Advantis Early PaydayTM

Sooner is better

With Advantis Early Payday™ you get your direct deposit up to two days early. Because when it comes to getting your paycheck, sooner is better.

And Early Payday is included with all of our checking and savings accounts, so you don’t have to lift a finger. Every direct deposit you add to your account is available up to two days early. 

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Checking for the way you live

Two days may not be a lifetime, but sometimes it’s all the time you need to live a little more. And all the more reason to switch to an Advantis checking account that fits the way you live.

Free, easy, and early

Early Payday makes it easy — with no application, activation, enrollment, or cost. Just add direct deposit to any of our checking or savings accounts and you automatically get paid up to two days early.

Unlike big banks, Advantis likes the idea of giving our members something for nothing. Like Early Payday, which gives you a chance to start living a little more — sooner rather than later.

Advantis is proud to be leading the way among local credit unions to offer this great feature. And we’re even prouder that the inspiration for Early Payday came from our members in a recent checking survey. But responding to our members’ needs is pretty standard around here.

As a local, not-for profit financial co-op, Advantis does things a little differently. We give our profits back to members in the form of better rates, lower fees, and more free services.

Frequently asked questions

How do I get started with Early Payday?
Just open a checking or savings account with Advantis and setup direct deposit to your account. That’s it! Early Payday is a standard feature for Advantis checking, savings, and money market accounts. If you already have your direct deposit sent to Advantis, you don’t have to lift a finger

How do I setup direct deposit?
To set up direct deposit you will need to provide your employer two items:

• Advantis’ routing number: 323075181
• Your checking or money market account number: Register for, or log into Advantis online banking, click the account you’d like your direct deposit to go to, select the Account Details tab, and use the number listed for “ACH/Direct Deposit.”  Note, for your savings account, please use your member number.
  

Optional: If your employer requires a direct deposit form, click here for our fillable form.

Does it cost extra to get paid early?
Absolutely not. Early Payday is a free, automatic feature for Advantis members.

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*APY= Annual Percentage Yield. APY is accurate as of 10/1/2024. Rates are subject to change after account opening. Minimum opening deposit is $25.00. When Fusion requirements are met, balances over $25,000 earn 0.10% APY. To earn Fusion rate and ATM fee refunds you must satisfy the following requirements during the requirement cycle: have at least 12 debit card transactions post and clear; have at least one automatic payment or direct deposit post and clear; and receive statements electronically. Requirement cycles begin on the last calendar day of the month and end on the next to last calendar day of the month (at close of business on a Monday through Saturday and 5:00 pm on a Sunday). To ensure you receive the highest interest rate tier, all Fusion requirements must be met by within the disclosed requirement cycle. ATM transactions do not count toward the 12 check card transactions. International ATM fees are not eligible for ATM fee refund. Interest and ATM refunds will be paid on the last day of the month in which it is earned. If account requirements are not met, the rate will be 0.05% APY and ATM fees will not be refunded. **To earn cash back you must be signed up to receive eStatements from Advantis. You will earn $0.10 on every qualifying purchase that posts during the account cycle. A qualifying purchase is a purchase of $3.00 or more that is made with the debit card tied to your Cashback Checking or Start Checking account, including purchases made with your card through a Digital Wallet supported by Advantis and purchases made with your debit card online. For purposes of the Cashback Checking and Start Checking accounts, the account cycle runs from the first day of the month to the last day of the month. Your cashback will be posted to your Cashback Checking or Start Checking account on the first day of the month following the close of the account cycle. You will not receive any cashback for any purchases posted during the same month you close your Cashback Checking or Start Checking account. You must be between the ages of 14 to 22 years old in order to qualify for the Start Checking or Savings accounts. For Start Checking accounts, on the first day of the month following your 23rd birthday, your account will convert to a Cashback Checking account. Access to funds for Early Payday can be up to two days prior to date of scheduled payment and is dependent on submission of direct deposit by payer.