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Early Paycheck

Questions about the service that allows you to be paid up to one day earlier than your normal pay day.

How do I sign up or cancel Early Paycheck?

You have three convenient options to sign up for Early Paycheck.

  • Online – Log into the Online Services section of midflorida.com and click on the Profile tab and then Early Paycheck
  • Phone – Call the Help Desk and ask to add Early Paycheck
  • Branch – Any teller or member service representative will be able to add this service to your account


What are the requirements to elect to receive Early Paycheck?

You must have an ACH payment set up with your employer or from anyone who pays you routinely (direct deposit from your employer, Social Security payments, etc).

When is the fee for Early Paycheck charged?

Any ACH of $100 or more that deposits early will incur a fee at the same time your deposit is made and the fee will show against the account in which the deposit was made.

If signed up for Early Paycheck, any ACH payments of $99 or less, will post early if applicable but will not incur a fee.

Once I sign up, will Early Paycheck work for my next payday?

Signup is immediate; however, depending on when we receive and execute your payroll it may take a pay cycle before this service takes effect. You will not incur a fee until you are paid at least one day early.

Does Early Paycheck apply to government programs like Social Security, etc?

Early Paycheck applies to any ACH deposit that we receive on your behalf. Any ACH deposit of $99 or less will not incur a fee.

What if I haven’t signed up for direct deposit but sign up for Early Paycheck, how will that be communicated back to me that I need to start this process with my employer?

If you sign up for Early Paycheck and do not have a direct deposit or ACH payment, you will not incur a fee until you receive your first early pay.

What if I only have a part of my paycheck coming to MIDFLORIDA, can I still elect to get Early Paycheck?

Yes, once signed up, any part of your paycheck deposited via ACH to any account in which you are the primary account holder will qualify for Early Paycheck. If your paycheck is deposited into an account that you are joint on, the primary account holder must enroll into Early Paycheck.

If your ACH deposit is $99 or less, you will receive your deposit early but will not incur a fee.

How do I know if my employer participates in Direct Deposit so that I can take advantage of Early Paycheck?

Most large employers or employers who use a payroll service offer Direct Deposit for all or part of your paycheck. Contact your employer’s Human Resources Department or Payroll Department for details.

If I am paid by check and I get my paper check early and am signed up for Early Paycheck, can I deposit or cash my check early?

No, we are not able to negotiate a check that is dated for the future.

Do you have a list of early paydays associated with Early Paycheck?

Because we process payroll and ACH deposits for a wide variety of companies and businesses, there is no set calendar for Early Paycheck. However, you should expect your payroll to post 1 or more days early if you enroll in Early Paycheck.

We recommend 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.

How early am I paid with Early Paycheck?

You will be paid at least one day early with Early Paycheck but there may be instances where you are paid two to three days in advance of your payday. Posting dates and times for Early Paycheck can vary depending upon when MIDFLORIDA receives the information for your payroll, therefore we cannot guarantee early processing. If your payroll is not sent early and you do not receive your paycheck early, you will not be assessed a fee for the service.

Remember, you are responsible for any overdraft fees from transactions clearing prior to your payroll deposit. We recommend that you do not write checks or authorize any other withdrawals against your

If I am paid by the Polk County School Board and elect to sign up for Early Paycheck, will I get my paycheck even earlier?

No. Polk County School Board members are removed from the fees associated with this service and already receive their pay early.

Will my automatic transfers or payments post earlier if I have Early Paycheck?

Early Paycheck will not impact or change any of your automatic transfers or payments.

We suggest that you do not adjust any automatic payments to match when you anticipate to receive your paycheck early as this service is not guaranteed and you are responsible for any overdraft fees from transactions clearing prior to your payroll deposit.

Is there ever a time that I won’t receive my pay early?

It is our practice to post your direct deposit as soon as it is received by the credit union, which means you may receive your paycheck at least one day early.

In instances where we do not receive the information ahead of time, the credit union is not able to post your deposit early. Instead, your direct deposit will be posted on your normal payday or as soon as we receive it and no fee will be assessed.

If your direct deposit is not posted early, it could be due to one of the following reasons: (1) Your employer does not submit your payroll into the ACH system in time to post it early. This sometimes happens when a holiday falls on a weekday. (2) The ACH system is not functioning properly, resulting in a delay. In our experience, this is a rare occurrence.

If my pay is not posted early for any reason, will I be notified?

It is our practice to post your direct deposit as soon as it is received by the credit union, which means you may receive your paycheck at least one day early. However, you are responsible for verifying that your payroll has posted early. We recommend you verify your payroll deposit by using Online Banking, Mobile Banking, Direct Touch banking or by calling the Help Desk prior to authorizing any payments or writing any checks.

How can I be sure that my pay posts early?

We recommend you verify your payroll deposit by using Online Banking, Mobile Banking, Direct Touch banking or by calling the Help Desk prior to authorizing any payments or writing any checks.

To sign up for Direct Touch and/or Online Banking, call the Help Desk or visit any branch.

If I incur an overdraft fee because my paycheck didn’t deposit early, will I be reimbursed?

Unfortunately no, you will not be reimbursed. Although it is our goal to process your payroll early, there may be instances where we are not able to do so. For that reason, verifying that your deposit has been made prior to issuing any payments or writing any checks is your responsibility.

What if I transfer money between banks (send money from Bank of America or SunTrust to MIDFLORIDA), and I am signed up for Early Paycheck, will I incur a fee?

If the file for this payment is sent to us early and is posted early, a fee may be charged. However, any ACH deposit of $99 or less will not incur a fee but will be deposited early.