Direct Deposit up to 5 days early, for free!¹

Don't Wait for Payday, Get Paid Early!

Getting paid early isn't just about speed; it's also about making your paychecks work for you and here at Arbor, we give you the power to do it through early pay.

Get Started with Direct Deposit

Access your money sooner! No more driving to the branch or ATM to deposit your check. Money is deposited into your account quickly and easily. All you need is to have, or establish, a direct deposit.

All our checking accounts come with Early Pay, for free!

With Early Pay at Arbor, your paycheck can be deposited into your account up to 5 days early. It's not a loan, just your pay, up to five days early. As soon as we receive your direct deposit information from your employer, we will deposit it into your account. That means you could have your pay as early as 5 days before your official pay day, giving you control of your funds. Whether you're covering bills, investing, sending money to your savings account, or simply enjoying a little more breathing room, early pay helps you stay ahead and in control. The best part? All our members with Direct Deposit are automatically enrolled, and it's completely free for our members. Direct deposit is all it takes!

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 with your Account Number and our Routing Number. Our routing number is: Routing #272481871. To locate your Account number, login to Online or Mobile Banking, view your statement, or call us.

3. Take your completed form to your employer who 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, when bills are processed, and more. Messages can be sent via email, text, or sent as a notification via our mobile app.

Sign up for alerts in mobile and online banking by clicking "Menu" in the main navigation menu, then "Security & Settings" and then "Alert Settings" or "Push Notification Enrollment".

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. As soon as we receive the direct deposit information from your employer, we send the funds into your account. 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 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.

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1. 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.

Direct Deposit up to 5 days early, for free!1