Early Pay Advantage

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

Direct deposit with Advia means accessing your payroll, social security, disability, pension, and tax returns even earlier. If you already have direct deposit with Advia, you're all set.

Delays can occur due to federal holidays or for deposits that are posted on a Monday or Tuesday.

No opt-in needed.

We make it easy to access your money with no additional hoops.

Digital Banking Alerts

Digital Banking alerts notify you via SMS or email when your money is available. Not yet enrolled? Sign up today.

Advantage Plus Rewards

Recurring direct deposits help you earn Advantage Plus Rewards.

Avoid Overdrafts

You work hard for your money. Having your funds in hand sooner helps you avoid unwanted fees and accidental overdrafts.

Early Pay Advantage FAQs.

Simply chat Ava, your Advia Virtual Assistant, stop into a branch, or give us a call to opt out. If you ever want to opt back in, just contact us and we’ll help.

Early Pay Advantage will allow most members to receive their payroll, social security, tax refunds and pension deposits up to 2 business days early. However, the ability to receive a payroll direct deposit early is dependent on the payer. If the payment is submitted as either a same-day ACH entry or an entry that settles the next day, you will get paid more closely to the normal settlement date or on the normal settlement date for the ACH transaction.

Early Pay Advantage delays can occur due to federal holidays or deposits that are posted on a Monday or Tuesday. 

For example: Federal holidays such as Memorial Day, which falls on a Monday may cause delays with Early Pay Advantage. If you normally get paid on Wednesday, your deposit may only be posted one day earlier, on Tuesday with a federal holiday falling on the Monday before.

If your deposit normally is posted on a Monday you may not receive Early Pay Advantage benefits, because the processing takes place over the weekend. If your deposit normally posts on a Tuesday, you may only get paid one day in advance with Early Pay Advantage.

After you have opened a Checking Account with Advia, make sure to set up Direct Deposit or enroll in ClickSwitch for your payroll checks and other recurring deposits and you will be automatically opted in to get early access to payroll checks and other recurring deposits.

Most direct deposit types qualify for Early Pay Advantage. Payroll checks from employers; government benefits such as social security, disability, tax refunds; and pension deposits qualify for Early Pay Advantage if direct deposited.

Early Pay Advantage is available on any Checking or Savings Account.

Early Pay Advantage is free.