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Early Pay

Get paid up to two days in advance with Early Pay.

Your paycheck just figured out time travel.

Get paid up to two days* in advance with Early Pay.

Could you fast-forward time to get your paycheck sooner? With Early Pay, you could get your payroll, social security, disability, pension, and tax returns even earlier. Just set up a direct deposit with your employer and leave the rest to us.

Already have direct deposit with M1? You are good to go. There is no additional form to fill out.


Benefits of Early Pay

Payday Comes Early*

  • Enjoy the convenience of receiving your paycheck up to two days in advance.
  • There is no catch or fee; just your money sooner.

Enrolled Automatically

  • If you have direct deposit, you have early pay.
  • You don’t have to do anything leaving more time to do what brings you joy.

*You may receive a direct deposit up to two days early with Early Pay (5 days for Federal Government Payments) if a recurring qualifying direct deposit. Early Pay deposits are dependent on when the deposits are received from your employer or other sender. We cannot guarantee that deposits will be posted prior to their anticipated settlement date. Some direct deposit types may not be eligible. It is at our discretion to identify which recurring direct deposits are eligible for Early Pay and it may take up to 90 days to identify those deposits that qualify. Early Pay is automatic and there is no fee. You can opt out of the Early Pay service at any time, by contacting a branch or calling our service center at (855) 835-6328 and asking to have Early Pay removed. For more information, please contact a branch.


Setting up a direct deposit is simple

Once your direct deposit is set up, enjoy the benefits of Early Pay and receive your paycheck up to two days sooner.

Provide direct deposit details to your employer:

  • Your 13-digit Members First Account Number
  • Choose between having funds deposited into your Checking or Savings account
  • Use M1's ABA Routing Number: 2724-8284-1

We’ve got it from here.

Social Security Direct Deposit can be set up by visiting godirect.org or using ClickSwitch through Online Banking.


Be in the know with account alerts

Sign up for account alerts so you never miss payday.

  • Access the Menu
  • Select Settings, then eAlerts
  • Tap the New Alert button and select the alert option
  • Add the account and alert details
  • Tap Create Alert button

*Alerts are not in real time


Frequently Asked Questions

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