Early Direct Deposit

Ever wished you could get paid early?

We are proud to offer a new feature for all our checking and savings account holders that allows you to receive your direct deposit up to ONE business day early!

Here Are the Details:

  • Early Direct Deposit allows any SWLACU member with direct deposit set up to receive their funds up to one business day early!

    This benefit is applicable for certain ACH transactions, such as payroll, government benefits, military pay, and pensions. We rely on the transaction coding from the payer to determine if the transaction is eligible.

  • You do not need to sign up for early direct deposit. This is an automatic benefit for all members with direct deposit set up.

  • You can enroll in direct deposit through your payroll provider’s payroll system. Simply supply them with your routing number and account number. Find our direct deposit form here.

  • No, your loan payment due date will not change. If you'd like to inquire about changing the due date for your loan payment, you can visit us at one of our branches or call us at 337-477-9190.

  • If you don't see your direct deposit early, it may be because your employer or payroll provider has incorrect information, or the deposit was not received by us before the effective date. Make sure to check that your employer or payroll provider has your correct direct deposit information or check with them to ensure they have sent your deposit information to us.

  • Members cannot opt out of early direct deposit.

Disclaimer: Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Available for personal and business accounts only. Eligible direct deposits are limited to electronic direct deposits of items, such as your payroll, made through the Automated Clearing House (ACH) to your personal or business account. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services, check or mobile deposits, and other online transfers or electronic credits are not eligible. There is no way to opt out of early direct deposit.