Get Paid Early

Enjoy access to your Direct Deposit up to five days sooner - for free!

Access Your Money Sooner.

Arbor Financial members get complimentary Early Pay to receive payroll direct deposit and other ACH deposit funds up to five days earlier. Free of charge! All you need is to have, or establish, a direct deposit. What's not to love?

Get Started with Direct Deposit

You can be on your way with Early Pay in just three simple steps:

1. Download our Direct Deposit form by clicking here.

2. Fill out the form.

3. Take your completed form to the company that will be making the direct deposit.

Set Up Alerts For When Deposits Arrive

Stay on top of your finances and get notified when you get paid early, other account activity, and more. Messages can be sent via email, text, or pushed via our mobile app.

Frequently Asked Questions

: When you have a direct deposit to Arbor Financial, our Early Pay program will allow you to get your deposit up to five days earlier than the scheduled payment. This is subject to the payer's processing date sent to Arbor Financial.
: Enrollment in Early Pay is automatic. All you need is a direct deposit set up into an Arbor Financial Checking or Savings Account.
: Early Pay is absolutely free of charge.
: Paychecks, Federal and State Tax refunds, and external transfers from other financial institutions (ACH Payments) are eligible for Early Pay.
: You can receive notifications by downloading Arbor's mobile app and turning on Alerts.
: No, those payments will still be posted on their scheduled date.
: We’d be happy to answer them for you! You can chat with us live and online, email, or call us at 269.375.6702 during these business hours: Monday through Friday, 8 a.m. to 5:30 p.m.; and Saturday, 9 a.m. to 12:30 p.m.

Switch to a Momentum Checking Account & Earn Up to 4.00% APY*

See Why People Like You Choose Us

Great financial institution. 1st class customer support.

★★★★★
Bud V.

Outstanding in assisting me sign up for online banking. Thank you for having amazing employees.

★★★★★
Dave G.

Great customer service! Very professional!

★★★★★
Helen M.

Direct deposits and other Automated Clearing House (ACH) credits may post to your account up to five days early with the Early Pay service. The Early Pay service is dependent upon when the deposits are originated from the sender and received by the Credit Union, and we cannot guarantee deposits will post prior to their anticipated settlement date. The Credit Union is not responsible for delays in posting due to unforeseen circumstances. The Credit Union, in its sole discretion, may determine whether certain deposit payments, deposit types, or member accounts are excluded from the service. The terms and conditions for Early Pay are subject to change, at any time, without advance notice. Not applicable to business, loan, or mortgage accounts.

*Annual Percentage Yield (APY) as of 8/1/2022. Debit card purchases must post to your account during the calendar month. ATM transactions do not apply. Interest is not paid on balances over $15,000. One Momentum Checking account per member. Rate is variable and subject to change. If requirements are not met, you simply do not receive interest for the month.