Early ACH

Because everyone deserves an early pay day.

Get Ahead of the Curve

Highlighted features of product

Peace of mind
Set up direct deposit and say goodbye to late or lost checks.
Faster funds
Receive eligible funds early, up to two days ahead of schedule.
Set up to succeed
You're automatically enrolled once direct deposit is set up on your checking account.
Digital benefits
Track your early funds inside our free Mobile Banking app.

Why wait when you can get paid earlier.

With Early ACH, you can now enjoy your hard-earned money up to two days early—as long as you have a direct deposit set up with us.

  • Receive eligible direct deposit funds up to two days early.
  • No need to enroll—all you need is a Premier or Purchase Rewards checking account and a direct deposit set up.
  • Early ACH is a free benefit for all checking account holders and doesn't cost a single penny to enjoy.


Early ACH allows eligible funds to post up to two days early in your personal Premier or Purchase Rewards checking account.
Not at all! Early ACH is a complimentary checking account benefit and using it does not incur any fees.
Within our Online Banking or Mobile Banking system, you can view up-to-date transactions posting in your available accounts. In addition, special alerts can be set up to track transactions up to a certain dollar amount or when your balance crosses a certain threshold.
Eligible funds will post up to two days early from when we recieve the payment information from your employeer or payor, which can vary between deposits.
Not neccesarily. Only eligible funds such as from paychecks and government benefits are available to Early ACH. Other online payment methods such as through peer-to-peer are ineligible for this benefit.


Under Early ACH, Four Points may make incoming electronic direct deposits made through Automated Clearing House (ACH) available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early ACH. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Whether funds are early depends on when Four Points FCU receives the payor’s payment instructions, limitations set on the amount of early funds, and standard fraud prevention screening. Available for personal accounts only. Eligible direct deposits are limited to electronic direct deposits of items such as payroll, pension, or benefits made through ACH to your personal account.
Four Points Federal Credit Union is a full-service credit union headquartered in Omaha, Nebraska.

Ready, Set, Grow!

No matter your next step, Four Points FCU can help you get there.