That Payday Feeling
Even sooner with Early Pay.
The good vibes don't have to wait. With Early Pay, you have the opportunity to access your paycheck up to two days* ahead of your regularly scheduled payday with eligible direct deposits. No need to enroll – it happens automatically and at no extra cost. Get paid early.
How Early Pay Helps You
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Get Ahead on Finances
Plan, pay and save smarter with faster access to your earnings. -
Peace of Mind
Cover expenses without the wait and reduce the risk of checks getting lost or stolen. -
Automatic & Effortless
Early Pay is automatically applied to eligible direct deposits – no enrollment necessary. -
Flexible
Pension and retirement payments, government benefits payments, such as Social Security, tax refund deposits and dividend payments from investments, are all eligible for Early Pay.
Still Need to Set Up Direct Deposit?
Direct deposit isn’t just faster – it’s safer and more reliable than paper checks. Plus, you’ll be eligible for Early Pay, giving you access to your money up to two days early.* Here’s how to set it up.
- Find your account and routing numbers in our mobile app or online banking.
- Request your employer’s direct deposit form or download our Cadence Bank Direct Deposit Form. Fill out the form with your contact and bank account information and provide it to your employer. Your employer may also need a voided check to verify your account information.
- Once your employer sets up your direct deposit, your paycheck will go into your bank account beginning with the next payroll period.
Frequently Asked Questions
Will my direct deposit always arrive early?
How will I know when I’ve received a direct deposit?
Are there any fees associated with early direct deposit?
Are there regular direct deposits besides paychecks that are eligible for Early Pay?
Can I opt out of Early Pay?
*Treatment of Early Direct Deposits. We may make funds from eligible direct deposit payments available in your Account up to two business days prior to the scheduled pay date. Early availability is limited to certain types of electronic direct deposits made through the Automated Clearing House (ACH) network, such as payroll, government benefits payments, pensions and tax refunds. It is at our sole discretion to determine which direct deposits qualify for an early direct deposit. An early direct deposit is not guaranteed and may vary between pay periods. Our ability to provide early access to these funds may be limited by many factors, such as when we receive notice of payment from your payor.
Early direct deposits are only available for consumer checking accounts.
If a direct deposit is not made available early, it will be made available in accordance with our funds availability disclosure. Except as expressly set forth herein, funds made available early are subject to the same terms and conditions as other deposits to your Account. If we make funds available early and the payor reverses or requests a return of the deposit, or the funds are otherwise uncollected by us, you understand and agree that we may debit your Account up to the amount of the deposit that was previously made available, even if you have already withdrawn the funds or it creates an overdraft on your Account. In this instance, you are responsible for any fees assessed, including those charged by merchants or third parties as a result of the overdraft.
