What is Early Direct Deposit?
Early direct deposit allows eligible customers who receive their paycheck through direct deposit access to their funds up to 2 days early.
In order to take advantage of Early Direct Deposit and access your funds up to 2 days early, you must:
● Open a deposit account through Upgrade (Rewards Checking, Everyday Savings, Premier Savings)● Set up direct deposit into your deposit account, and● Receive less than $5,000 per direct deposit into your deposit account
Upgrade cannot guarantee that you will receive your direct deposit early. The timeframe for you to receive your direct deposit is entirely dependent on when your employer initiates the payroll payment. Cross River Bank will make the funds available in your account when the ACH file is received, which can be up to 2 days prior to the deposit date.
Articles in this section
- ACH Return Fee & Inactivity Fee
- Are there any fees associated with receiving a new debit card?
- Can I add a beneficiary to my checking/savings account?
- Can I open a joint checking/savings account?
- How can I initiate an outgoing wire transfer from my deposit account?
- How can I wire funds into my checking or savings account?
- How do I change the PIN for my Upgrade Visa® Debit Card?
- How do I dispute an ACH transaction on my checking account?
- How do I set up my new debit card?
- How long will it take to transfer funds from my savings account to my checking account through Upgrade?