Direct Deposit + Early Pay

Get paid up to 2 business days sooner—automatically, and at no cost

Why make the switch?

  • Faster access to cash. Thinkwise Credit Union releases qualifying ACH payroll deposits the moment the file arrives—often up to two days before the scheduled pay date.

  • Smoother budgeting. Earlier funds can help you avoid late‑payment or overdraft fees.

  • No hoops, no fees. Early crediting is automatic once your direct deposit is set up; there’s nothing to enroll in and we never charge for it.

  • Added security. Electronic deposits are encrypted, traceable, and federally insured—safer than paper checks.

  • Convenient splits. Send part of each paycheck to savings or loan payments so you reach goals faster.

How Early Pay works

  1. Employer sends payroll file to the Federal Reserve’s ACH network.

  2. The file reaches Thinkwise—often two days before “payday.”

  3. We post the deposit immediately, giving you early access to your money.

Example: If your normal payday is Friday, funds often arrive on Wednesday morning.

Set up direct deposit in three minutes

  1. Log in to Online Banking or grab a check for your account number.

  2. Give your payroll or benefits office our routing number and your account number.

    • Thinkwise routing number: 322282616

  3. (Optional) Complete our one‑page Direct Deposit Form and hand it to your HR department. Our Member Services Representative can assist you with our Direct Deposit form at one of our locations or via phone at 909-882-2911 Option 3.

Early Pay disclosure

Early availability of ACH deposits depends on the timing of the payer’s submission. Thinkwise will post funds upon receipt, which may be up to two business days before the effective date. Early posting is not guaranteed. Other restrictions may apply.

Ready to get paid early?

  • Already a member? Confirm your routing and account numbers, then hand them to HR today.

  • New to Thinkwise? Open a Free Checking account online in minutes and start enjoying Early Pay next payday.

Questions? Call us at 909‑882‑2911

Frequently asked questions

Question Answer
Do I have to opt in to Early Pay? No. It’s automatic for every qualifying ACH credit once direct deposit is active.
Will every paycheck arrive early? Almost always—but timing depends on when your employer submits its file. If they send it late, payroll will post on the scheduled date.
Does Early Pay cost anything? Never. It’s a free member benefit.
Can I split my deposit between multiple accounts? Yes—choose any combination of checking, savings, or loan accounts.
Is government income eligible? Yes. Federal payments (e.g., Social Security) may even arrive up to five days early, similar to other credit union or bank programs.