Introducing Early Pay

Life doesn't wait until payday. Nor should you. Get direct deposit up to two days early with Early Pay.

It's your money; why wait until payday? With Early Pay, Navigator Members can access qualifying payroll funds from participating employers or federal and state government payments up to two days early.

There's no need to enroll and no additional cost - it's automatic when you have qualifying direct deposits to your free Navigator Checking or Savings account.

Convenient

Your money is deposited into your account, even when you are ill, on vacation or too busy to get to a Branch.

Fast

You have immediate access to your money once the funds are posted to your account.

Safe

 You never have to worry about checks getting lost, delayed or stolen.

Opportunity to Automate Saving

 You can watch your savings grow by directing at least part of your pay to a savings account.

MULTIPLE SOURCES OF INCOME
It’s your early direct deposit, no matter where it’s coming from.
Multiple jobs. Tax refunds. Government benefits. Get them all sent ahead of schedule right to your free Navigator checking or saving account.

Frequently Asked Questions

How do I get my paycheck early?

All you need to do is set up direct deposit to your Navigator Checking or Saving account. Qualifying direct deposits will be available up to two days early. Note that most employers take a few weeks to set up a new direct deposit, so act today!

How do I set up direct deposit?

Log into Navigator Digital Banking to retrieve your account and routing numbers. It's available under the details tab of each Navigator account.

Provide the information to your HR payroll representative.

Is there a fee to get early direct deposit?

No. There is no cost to you.

When can I access my paycheck funds?

You can enable e-Alerts to get an email, push or SMS/text notice when the funds have been deposited into your account.

If I already have direct deposit set up, do I have to opt in to get paid early?

No, you do not have to opt in. It is automatic for qualifying direct deposits to your Navigator account.

I set up direct deposit, but my paycheck is not arriving early. What should I do?

Not everyone is paid two days early. The exact timing ultimately depends on your employer or payroll service provider.

Early Pay grants access to eligible direct deposit payments made into a Navigator Credit Union Checking or Savings account up to two days prior to the scheduled payment date.

Certain payroll payments may not be eligible for Early Pay. Early Pay availability is based on the timing of the payor’s payment instructions and therefore, you may not always see your direct deposits arrive early. Navigator does not guarantee early availability of these direct deposits. Federal holidays may affect availability. Early Pay eligibility may vary between pay periods, and daily/transaction limits apply. Any direct deposit not posted early will be made available to you in accordance with the payment instructions. After we have made the deposit available to you and you have withdrawn funds, you remain responsible if any deposit to your account is returned, rejected or uncollected by Navigator.