EARLY ACH ACCESS

Get Paid Sooner with Early ACH Access

Managing your money is easier when you receive it faster. With Early ACH Access, you can receive your direct deposits up to two days early, automatically.

Every Checking Account Comes with Early ACH

Enjoy your direct deposits up to two days early. Early ACH Access comes standard with every Central Willamette checking account.

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Why Members Love Early ACH Access

No Waiting for Payday

Life doesn’t wait, and neither should you. Early ACH Access means that you can pay bills, buy groceries, or simply enjoy your money sooner.

No Extra Steps

There's nothing you need to do to turn on Early ACH Access. It's included with every eligible checking account, automatically. 

No Fees, Ever

We believe in giving you more, not charging you more. Early ACH Access is a free checking account benefit.

Frequently Asked Questions

  • Early ACH Access means that we make certain direct deposits (like payroll or government benefits) available to you as soon as we receive the funds, up to 2 days before the scheduled posting date.

    • Payroll direct deposits
    • Government benefits (e.g., Social Security)
    • Tax refunds

    Not all ACH transactions qualify. If you have questions about whether or not an ACH transaction qualifies for Early ACH Access, contact us.

  • We want you to have faster access to your money. Early ACH Access helps you manage your finances, pay bills, and plan ahead with less stress.

  • As soon as we receive your eligible deposit from the sender, we post it to your account. That means there is no waiting for the official posting date.

  • Not always. Early posting depends on when your employer or benefits provider sends us the deposit. If they send it early, you’ll get it early!

  • Don’t worry. If your deposit isn’t eligible or the sender didn’t send it early, you’ll still get your money on the scheduled date.

  • Most personal checking and savings accounts with eligible ACH credits enjoy this benefit automatically.

  • No, Early ACH Access is an automatic benefit.

  • Nope! Early ACH Access comes with your account at no cost.

  • If you have questions not answered in this FAQ, you can contact us at 541-928-4536.