Early Pay Day

Get Your Paycheck Sooner

With Early Pay Day¹, money can hit your account up to three days early. That means you can get a head start on monthly bills, setting aside savings or buying a little something just for you.

How it works

If you have a direct deposit with Rally, you’re ready to go. Once we receive a notification from the Federal Reserve, we’ll post your direct deposit immediately.

Ready to Get Started?

Contact your employer and set up your direct deposit to Rally. Within a few weeks, you’ll start seeing your paychecks up to three days early. It’s that simple!

The Benefits of Early Payday

Embracing Early Payday comes with several advantages:

Financial Flexibility: With Early Payday, you have the freedom to manage your money efficiently. You can pay bills, handle unexpected expenses or invest in your savings without waiting for the traditional payday.
Avoid Late Fees: By accessing your paycheck early, you can ensure that you have enough funds to cover your bills on time, thus avoiding costly late fees and penalties.
Peace of Mind: Having your paycheck in your account early allows you to plan ahead and reduce financial stress. You'll have more control over your finances, helping you feel more secure about your monetary situation.
Opportunity to Save: Early Pay Day provides you with additional time to contribute to your savings account, allowing your money to work harder for you.

Here to Help

If you need assistance with the paperwork, just let us know.

Chat with us online, call 1-800-622-3631 or stop by a branch.

Frequently Asked Questions

Do I need to opt-in?

Members that have set up Direct Deposit to Rally will automatically receive the benefit of Early Pay Day. In order to receive this service, first verify that your employer offers Direct Deposit and complete the necessary paperwork provided by your employer. For assistance in completing the paperwork, you may call Rally at 1-800-622-3631 or visit a branch near you.

How often does Rally receive notification from the Federal Reserve?

Rally receives notifications at 7:00am, 11:00am, and 3:00pm, Monday-Friday, excluding Federal holidays.

When should I set my loan payment to transfer?

Rally recommends that loan payments post on the regularly scheduled pay date to ensure the transfer takes place. Rally cannot control when a Direct Deposit will post with the Federal Reserve.

Will Loan Payments change?

Early Pay Day is not a credit, loan, or an advance. Loan payments and loan payment due dates will not change with Early Pay Day and loan payments will be due on their normal due dates. You can also setup alerts in Online Banking that will notify you when your loan payment is due and when it has been paid from your account.

Still Have Questions? Visit Our Help Center.

1. Early Pay Day offers an immediate credit of your direct deposit to your account up to three (3) days early depending on timing of payer’s (example: employer’s) submission of deposits into our Automated Clearing House (ACH) database. We recommend that you do not write checks or authorize any other withdrawals against your directly deposited funds until you verify that they have been posted to your account. Rally Credit Union cannot assume any liability for not depositing these funds into your account early. Early Pay Day effective as of March 1, 2020. Offer subject to change without notice.