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Early Pay

Introducing Early Pay from Valley Credit Union…

  • Get Paid Sooner…With Early Pay, you can get paid up to 2 days sooner.
  • Feel Secure…. you won’t have to worry about mailed paychecks getting lost or stolen.
  • Stress Less…Skip trips to Valley and get paid automatically with direct deposit.

Q & A:

How does Early Pay work?

We often receive a message up to two days prior to your direct deposit to let us know that the money is on the way. When this happens, we can reduce the extra processing time to get your money in your hands sooner.

Does it cost extra to get paid early?

Nope! Early Pay is a free, automatic feature for Valley accounts. You don’t have to pay a fee to get paid early.

Will my direct deposits always arrive two days early?

It depends. You might get your direct deposit 2 days earlier, 1 day earlier or on your regularly scheduled payday. Here are some reasons why you might not receive your deposit early:

  • You recently set up direct deposit for the first time.
  • Your deposit type is not eligible, such as a bank-to-bank transfer.
  • There’s a payroll system issue from your payer.
  • You reached the transaction limit or monthly deposit dollar limit for early processing.

Early direct deposits also depend on timing - your payer must provide payment details on time so the deposit can process early. If your deposit doesn't arrive early, expect it to arrive on your scheduled payday.

Can I choose to stop receiving my direct deposits early?

No - Early Pay is an automatic feature of Valley accounts, so you can get your paycheck sooner.

What if I already have direct deposit with Valley?

If you already have direct deposit set up with your Valley account, there’s nothing you need to do for you to get paid early. We’ll reduce the processing time to get your money in your account sooner. Just sit back, relax and get paid!

Can I set up Early Pay into my savings accounts?

Yes. Early Pay is available for all Valley accounts.

*Early Pay access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. If you have any questions please reach out to member service at or call or text 503-364-7999.