Early Direct Deposit

Early Direct Deposit gives you access to your direct deposits faster.

At Piedmont Advantage Credit Union, once you establish a direct deposit from your employer or federal benefits provider in North Carolina or beyond into your Piedmont Advantage Checking Account, Money Market Account, Share Savings, Personal Select Savings Account or Al Pacu Club Savings Account, our Early Direct Deposit will automatically deposit your paycheck or recurring federal benefits up to two days early.

There is no enrollment required and no fees for Early Direct Deposit. Early Direct Deposit is an included feature of all Piedmont Advantage checking, money market, Share Savings, Personal Select Savings and Al Pacu Club Savings accounts. 

To get paid early on your eligible direct deposits, follow these simple steps:

1. Click on the appropriate direct deposit authorization form below.
2. Complete the form, print it and submit it to your employer or the appropriate federal agency.

Piedmont Advantage Direct Deposit Form   |   Federal Benefit Direct Deposit Form

Early Direct Deposit FAQs

How does Early Direct Deposit work?

Many times, if you have a direct deposit established for your paycheck or recurring federal benefits, your employer or applicable federal agency will send information for direct deposit of your paycheck or recurring benefits payment to your designated account up to two days before the scheduled payment date. When this occurs, we will make these funds available to you on the day we receive the payment information instead of waiting until the scheduled payment date to make them available.

Will my paycheck or recurring payment always arrive two days early?

Early Direct Deposit depends on the timing of when we receive direct deposit payment information from your employer or federal agency. We cannot make funds available in your account before your employer or applicable federal agency sends us the direct deposit payment information. Your payment will not be made available in your account early if Piedmont Advantage does not receive the direct deposit payment information before the scheduled deposit date. 

What if I already have direct deposits with Piedmont Advantage Credit Union?

If you already have direct deposits set up with your employer or applicable federal agency to your Piedmont Advantage checking, money market, Share Savings, Personal Select Savings or Al Pacu Club Savings account, there are no required steps to take to get your payments early. As soon as we receive direct deposit information from your employer or applicable federal agency, which can be up to two days early, we will make these funds available to you.

Can I choose to stop receiving Early Direct Deposit?

No. Early Direct Deposit is a built-in account feature of all Piedmont Advantage checking, money market, Share Savings, Personal Select Savings and Al Pacu Club Savings accounts.  Early Direct Deposit will automatically apply if you have an eligible direct deposit set up to one of these accounts.

Select an appointment type below to schedule a meeting to learn how to set up your Early Direct Deposit.