Early Pay

Get paid up to two days in advance with Early Pay.

Your paycheck just figured out time travel.

Get paid up to two days* in advance with Early Pay.

Could you fast-forward time to get your paycheck sooner? With Early Pay, you could get your payroll, social security, disability, pension, and tax returns even earlier. Just set up a direct deposit with your employer and leave the rest to us.

Already have direct deposit with M1? You are good to go. There is no additional form to fill out.

Benefits of Early Pay

Payday Comes Early*

Enjoy the convenience of receiving your paycheck up to two days in advance.
There is no catch or fee; just your money sooner.

Enrolled Automatically

If you have direct deposit, you have early pay.
You don’t have to do anything leaving more time to do what brings you joy.

*You may receive a direct deposit up to two days early with Early Pay (5 days for Federal Government Payments) if a recurring qualifying direct deposit. Early Pay deposits are dependent on when the deposits are received from your employer or other sender. We cannot guarantee that deposits will be posted prior to their anticipated settlement date. Some direct deposit types may not be eligible. It is at our discretion to identify which recurring direct deposits are eligible for Early Pay and it may take up to 90 days to identify those deposits that qualify. Early Pay is automatic and there is no fee. You can opt out of the Early Pay service at any time, by contacting a branch or calling our service center at (855) 835-6328 and asking to have Early Pay removed. Your account(s) must be in good standing to be eligible for Early Pay. For more information, please contact a branch.