Alliant receives payment information from your payor (employer or the Social Security Administration) indicating that a deposit is happening soon. With Early Payday, Alliant pays you after receiving this information up to two days early, rather than waiting for your actual payday.
Early Payday
is now available at Alliant.
Get paid up to two days early!
How Early Payday works
Your paycheck or Social Security deposit may now be available up to two days early.1 Use your funds however you wish and enjoy peace of mind with early access to your money.
No enrollment required
Early Payday is automatically active on eligible direct deposits.
It’s free
There’s no cost or fees associated with Early Payday.
Across accounts
Get your money early in both checking and savings accounts.
Note: Funds availability depends on when Alliant receives your eligible direct deposit information from your payor (e.g. your employer). As a result, direct deposits are not guaranteed to be two days early every pay cycle.
Maximizing Early Payday
Make your money work for you in your Alliant accounts.
Give yourself flexibility
Earn extra interest
Whether you’re paying bills early, going on a shopping spree or saving for a rainy day, enjoy access to your funds up to two days early to use however you please.
Earn up to two days extra interest in your savings account (with an average daily balance of $100+), as well as your checking account with eStatements enabled and at least one monthly electronic deposit.
Setting up direct deposit
To take advantage of Early Payday, you must set up direct deposit into your Alliant accounts. Setting up direct deposit can be done in minutes. Here’s how:
Employer Paychecks
It’s easiest to go through your employer to set up direct deposit. Most employers have an online portal for this. Contact your employer’s HR or payroll department for specific instructions.
Social Security
Updating direct deposit for your Social Security benefits can be done via the Social Security Administration’s website, or by calling the SSA at 1-800-772-1213.
While these are the easiest ways to set up direct deposit, you can also use our direct deposit form.
Check out these additional checking benefits
Early Payday is just the start of the advantages Alliant members receive with a High-Rate Checking account.
ATM rebates
Fewer fees
Great rate
With 80,000+ fee-free ATMs and up to $20/month in ATM fee reimbursements2, get cash whenever you need it.
Your money should stay your money. At Alliant, we don’t charge overdraft or monthly maintenance fees.3
Our High-Rate Checking account helps you earn more on your money, earning more than many savings accounts.
Frequently asked questions (FAQs)
Early Payday is automatically applied to all new and existing Alliant accounts. Once direct deposit is set up, no action is needed to start receiving funds on eligible direct deposits early.
No, the exact timeframe depends on when Alliant receives information from your payor. There is no guarantee your funds will arrive early.
No, Early Payday is a no-fee service complimentary to all Alliant members.
Paychecks from your employer and Social Security payments are both eligible for Early Payday when setting up direct deposit into your Alliant account(s).
You can always see your current account balance and transactions in Online Banking or through the mobile app. Additionally, you can set up account alerts to be notified when a deposit is made into your Alliant accounts.
To set up direct deposit of your paycheck, check your company intranet to see if your employer offers direct deposit. If you can't find information and instructions on the intranet, check with your human resources department to see if direct deposit is available and to ask what the process is. If your company doesn't have its own direct deposit form, you can use Alliant's direct deposit form to provide your employer with the information they need to process your request.
Typically, you’ll need to supply just a few pieces of information in order to complete the forms to set up direct deposit to your Alliant account(s).
• The Alliant Routing Number (271081528);
• Your Alliant checking account number or savings account number; and
• Account type (for example, Checking, Savings, etc.)
Pension, annuity or benefit checks. If your recurring check is from an annuity, pension or government benefit program instead of from an employer, you can also set up direct deposit of your checks into your Alliant account(s). Just provide them with the information described above to set it up. You'll save time, and you can access your funds more quickly when they are direct deposited than you can when you deposit a paper check.
If your teen is employed that offers direct deposit, they can also set their account up to take advantage of this feature.
1. With Early Payday, Alliant Credit Union may make incoming electronic direct deposits made through the Automated Clearing House (ACH) available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early Payday. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Early access to funds is dependent on submission of direct deposit by payor and standard fraud prevention restrictions. Whether we make funds available early depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Available for personal accounts only.
Eligible direct deposits are limited to electronic direct deposits of items such as your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) to your personal account. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g., Zelle®, Venmo, or PayPal transfers), check or mobile deposits, and other online transfers or electronic credits are not eligible for Early Payday.
If Alliant makes funds available early through Early Payday and the payor reverses or requests a return of the deposit, or the funds are otherwise uncollected by Alliant, Alliant may debit your account for the deposit amount previously made available early, which may draw your account negative.
2. Alliant will rebate ATM fees up to $20 per month per membership account when you use your Alliant checking account Visa debit card to make a deposit, withdrawal, transfer or balance inquiry. The rebate does not apply to cash advances from Alliant Visa credit cards through ATMs nor to the Alliant Savings ATM Card and Visa International Service Assessment (ISA) fee, referenced as the foreign transaction fee on account statements. Transactions performed at other ATMs may be subject to the ATM owner’s surcharge fee. Please see the online ATM Locator at www.alliantcreditunion.com or our mobile banking app for a list of ATMs that accept deposits or are surcharge-free. Not all ATMs accept deposits.
3. Alliant checking charges no monthly maintenance or service fees. Please refer to the Alliant Fee Schedule for a list of fees.
Overdraft protection is optional. You must opt in to benefit from this free service and you can unenroll at any time. Alliant's overdraft protection program honors your overdrafts on your checking account when you don’t have enough money in your Alliant checking account to cover a transaction, provided you have enough money in your Alliant Savings or Supplemental Savings Account. To do so, we automatically transfer funds from your Alliant Savings or Supplemental Savings Account to your Alliant checking account to cover your overdrafts. Overdraft protection does not cover ATM transactions.
Courtesy Pay is a discretionary "courtesy" overdraft service. There is no fee to enroll in or use the Courtesy Pay service and you can unenroll at any time. To be eligible for Courtesy Pay, members must be in good standing and have an Alliant checking account that has been open for at least six months. Other eligibility factors are risk-based and determined by Alliant using internal and confidential information, including your account history. To qualify to use Courtesy Pay, eligible members must have qualifying deposits totaling at least $600 into their Alliant checking account in the previous 30 days. Standard Courtesy Pay may pay checks and ACH electronic items that would not have not cleared otherwise due to insufficient funds, up to an approved limit. The full amount of the overdraft balance will be due immediately but in no event more than 30 days from the date of the occurrence at which time Courtesy Pay privileges will be suspended and possibly terminated. If you opt in for extended coverage, Courtesy Pay may also cover everyday debit transactions on your Alliant Visa debit card that would not have cleared otherwise due to insufficient funds, up to an approved limit. See the Alliant Account Agreement and Disclosures and the Courtesy Pay Disclosure for details and the Fee Schedule for a list of fees. Courtesy Pay does not cover ATM transactions.
A fee will apply if you choose to receive an account statement in paper form; refer to the Fee Schedule. To avoid the paper statement fee, log in to Alliant Online Banking to change your statement preference to eStatements.
