Why Wait for Payday?
With Early Pay Day from Marion Community Bank, you can get access to your eligible direct deposits—like your paycheck—up to two business days early. No enrollment. No fee. Just a little extra breathing room.
How Early Pay Day Works
When we receive your direct deposit details from your employer or payroll provider, your funds may be available up to two business days early. This happens automatically on eligible ACH deposits—no sign-up required.
- No enrollment needed: Included with eligible direct deposits
- No fee: Early access is free
- Automatic: Funds are released as soon as they’re received, when possible
What to Expect
If your employer sends the payroll file early, you may see the money up to two days sooner. If they send it later, your deposit will arrive on your regular payday. Early Pay Day isn’t guaranteed for every deposit—it depends on when we receive the payment information.
What’s Eligible (and What Isn’t)
Eligible:
- ACH direct deposits from employers or government payors (e.g., payroll, pensions, Social Security**)
Not Eligible:
- Bank-to-bank transfers, wires, Zelle®, paper checks, mobile check deposits, or cash deposits
- Any deposits that aren’t ACH direct deposits If a deposit type isn’t eligible, we’ll post it on the normal schedule.
Get Started in 3 Simple Steps
1. Open a checking account with Marion Community Bank (or use your existing one).
2. Set up direct deposit with your employer or benefits provider.
3. That’s it. When we receive your deposit info early, we’ll release the funds early.
Frequently Asked Questions
What is Early Pay Day?
Early Pay Day lets you get eligible ACH direct deposits up to two business days early. The exact timing depends on when we receive the payment file from your employer or their payroll provider. Early availability isn’t guaranteed for every deposit.
Do I Need to Enroll?
No. There’s no enrollment and no fee. Once your qualifying direct deposit is set up, Early Pay Day may apply automatically.
Why Didn't My Deposit Arrive Early This Time?
Early access depends on when we receive the payment information. If your employer or payroll provider sent it later than usual, your deposit will post on your regular payday.
Which Deposits Qualify?
Most employer payroll and government ACH direct deposits qualify. Deposits like wires, mobile checks, Zelle®, and bank transfers do not.
Will Weekends or Holidays Change Timing?
Early availability is based on when we receive the file—not calendar days—so weekends/holidays can affect timing. Marion Community Bank only processes and posts ACH files (including direct deposits) on business days that the bank is open and not on weekends and federal holidays.
Is There a Fee?
No. Early Pay Day is included with eligible direct deposits.
Friendly Reminder
- Early access to direct deposit funds depends on the timing of the payor’s payment instructions.
- Early Pay Day availability is not guaranteed and may vary by deposit.
- Early Pay Day applies to eligible ACH direct deposits only.
Disclosures:
* Early availability is not guaranteed and may vary by payer, payroll provider, weekends, federal holidays and account status. Eligible ACH direct deposits only.
* “Up to two business days early” refers to the period between when we receive your direct deposit information and your scheduled pay date.
** Government benefits may not always be sent early by the agency or processor; early availability varies.
Early Pay Day Starts with the Right Checking Account
Explore our personal checking options and enjoy the benefit of getting paid ahead of schedule - no extra steps, just smarter banking.