Early ACH Deposit
Get Your Money Faster
We’re excited to offer a new feature in your Michigan United Credit Union online banking and mobile app.
When you see a pending ACH deposit in your account, you don’t have to wait for it to clear. Now you can access your funds right away.
Post your pending ACH deposit immediately by clicking "Post Now" for a $10 fee*.
Set up your direct deposit
Want to start enjoying Early ACH Deposit? Set up your direct deposit today.
Why Use Early ACH Deposit?
Pay bills on time and avoid late fees or service disruptions
Cover unexpected expenses like car repairs, co-pays, or groceries without delay
Reduce the risk of overdrafts and the fees that come with them
How it works
Get early access to your money in just a few simple steps.
1
- See a pending ACH deposit in your account.
2
- Review your pending deposit details.
3
- Click "Post Now" to make the funds available for a $10 fee*.
Bank on Your Time
Manage your accounts anytime, anywhere with the Michigan United Credit Union Mobile App. Check balances, deposit checks, pay bills, transfer funds, and more, all from the palm of your hand.
Download the app today.
Frequently Asked Questions
Early ACH Deposit gives eligible members the option to access certain pending direct deposits before their scheduled posting date. If your deposit qualifies, you can choose to receive your funds early through Online or Mobile Banking.
When an eligible direct deposit is pending, sign in to Online or Mobile Banking and navigate to your pending ACH transactions. If your deposit qualifies, you'll see the option to select Post Now to receive your funds early.
Yes. A $10 fee* is charged each time you choose to receive an eligible direct deposit early by selecting Post Now.
No. Early ACH Deposit is completely optional. If you choose not to use it, your direct deposit will post to your account on its scheduled payment date at no additional cost.
Eligible electronic direct deposits, such as payroll and certain government benefit payments, may qualify. Not every ACH deposit is eligible for Early ACH Deposit.
Not always. Early access depends on when Michigan United Credit Union receives the payment file from your employer or payment provider. Some deposits may be available up to two days early, while others may post on the scheduled payment date.
The Post Now option is only available for eligible deposits that are currently in a pending status. If you don't see the option, your deposit may not yet be available or may not qualify for Early ACH Deposit.
Not necessarily. Eligibility is determined for each deposit individually and may vary depending on the type of deposit and when the payment information is received.
Once you confirm your request and your deposit has been posted early, the transaction cannot be canceled.
The $10 Early ACH Deposit fee* must be available in your account before your pending deposit can be posted early. If sufficient funds aren't available to cover the fee, you won't be able to complete the Early ACH Deposit request.
Disclaimer:
*Early ACH Deposit is available for eligible pending ACH direct deposits. A $10 fee applies each time you choose to access an eligible deposit early using the Post Now feature. Eligibility is determined at the time the deposit appears as pending. Instant Deposits cannot be set up as a recurring or automatic option and must be selected individually per transaction. Other restrictions may apply.
