Early Pay

Yes, Early Pay at UKFCU works with most employers who offer direct deposit. Simply provide your UKCU account and routing number (242176129) to your HR or payroll department.  

No, this feature is 100% complimentary to all UKFCU members who have a direct deposit payroll to a UKFCU account (excluding loans). 

UKFCU will post your deposit up to two days early once received. Unfortunately, your payroll provider is ultimately responsible for the delivery. This delivery date to UKFCU determines our ability to provide your payroll early to you. Rest assured though, you’ll get your direct deposit payroll as soon as we do. 

Of course! As soon as we receive and process your direct deposit, the funds are immediately available in your UKFCU account without additional holds or delays. Pay your bills, go shopping with your UKFCU Debit Card or withdraw cash from one of our 90,000+ fee-free ATMs across the US. 

If your payroll does not post early, first verify with your employer when the payroll was processed and sent to their financial institution. More than likely, it was not sent 1-2 days prior to the effective date. If your employer verifies it was sent early, UKFCU can then begin to review as to why the direct deposit was not received and made available. 

Simple, login to your UKFCU Online Banking account and navigate through the menu to ‘Alerts’. Select ‘New Alert’ in the top right corner. Select ‘History Alert’. Select the following: (1) Credit Transaction; (2) More Than; (3) your desired threshold amount; (4) the account your direct deposit will be placed in; and (5) your preferred alert delivery method – Text and Push Notification provide the quickest and best member experience. 

UKFCU will always post your direct deposit as soon as we receive it from the Federal Reserve, but no more than two days early. However, this may shift slightly if it falls on a weekend or holiday because employers adjust their payroll schedules to account for bank processing closures, ensuring you still get paid on time.