MIDFLORIDA, What a Bank Should Be.

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Early Paycheck

Get paid at least a day early when you sign up for direct deposit and Early Paycheck.

Get your directly deposited paycheck sooner!

With Early Paycheck, you can have your direct deposit posted to your account 1 or 2 days earlier. It’s the fastest way to receive your money. As long as MIDFLORIDA receives the electronic file guaranteeing the funds from your employer or payroll company in advance of your normal payday, we will credit the money to you early for a small fee. (Applies to ACH deposits of $100 or more. See fee schedule)

To qualify, you need a MIDFLORIDA checking account and have either Check Advance or Overdraft Protection from a Line of Credit.

Sign up

To get started, enroll into the Early Paycheck service within Online Banking (under Profile tab), at a branch or by calling the Help Desk at (866) 913-3733 or (863) 688-3733. Then, set up direct deposit with your employer (if not yet established).

For more details about how Early Paycheck works, see our Questions & Answers.

It is recommended that you do not write checks or authorize any other withdrawals against your directly deposited funds until you verify that they have been posted to your account. You are responsible for any overdraft fees from transactions clearing prior to your payroll deposit.