Routing #: 281581144 • Wire Instructions
Routing #: 281581144 • Wire Instructions
Have you ever watched the calendar anxiously, knowing that payday is just a little too far away? Maybe you’ve felt the stress of an unpaid bill stacking up or had to decide between groceries and gas. If this sounds familiar, you’re not alone. So many people face the same financial pressure, just trying to make ends meet between paychecks. But what if there was a way to relieve some of that stress?
Instead of waiting and worrying about when your paycheck will arrive, what if you had access to your money sooner? Early Pay from Ozark Federal Credit Union gives you the ability to receive your qualifying direct deposit up to two days earlier—helping you stay ahead of your financial needs and make smarter money choices.
Early Pay allows you to receive your qualifying direct deposit up to two days sooner, giving you a critical head start on your finances. Here’s how it can make a real difference in your life:
Late fees are frustrating and unnecessary, but they’re all too common when your paycheck doesn’t align with your bill due dates. With Early Pay, you can pay your rent, utilities, and other bills early—keeping your credit score healthy and your stress levels low.
A surprise overdraft fee can take a big bite out of your budget. By getting paid early, you can transfer money into your account before an overdraft occurs, saving yourself from costly bank fees and unnecessary stress.
Unexpected expenses can derail even the best financial plans. With Early Pay, you can start setting aside money sooner for those surprise car repairs, medical bills, or other emergencies. The earlier you save, the more prepared you’ll be for life’s unexpected moments.
Sometimes, waiting for payday means missing out on a good deal or delaying essential purchases. Whether it’s buying groceries before prices go up or grabbing a limited-time discount, having access to your money earlier can help you make smarter financial decisions.
Knowing that you’ll have access to your paycheck sooner can bring a huge sense of relief. Instead of dreading the days leading up to payday, you can relax, knowing your finances are under control. Peace of mind is priceless—and Early Pay helps you achieve it.
Q: How does Early Pay work?
A: When you set up direct deposit with Ozark Federal Credit Union, you can receive your paycheck up to two days earlier than your scheduled payday, depending on when your employer submits payroll funds.
Q: Do I have to pay extra for Early Pay?
A: Yes, a $20 fee will apply for each Early Pay transaction.
Q: Does Early Pay work with all employers?
A: Early Pay depends on when your employer submits payroll. Most employers qualify, but you can check with OFCU to confirm.
Q: Are all direct deposits eligible for Early Pay?
A: Not all direct deposits are eligible. Eligibility depends on factors such as the type of deposit and the timing of payment instructions from the payor.
If you’re tired of the stress that comes with waiting for payday, Early Pay from Ozark Federal Credit Union can help. It’s a simple way to take control of your finances, avoid costly fees, and bring peace of mind to your money management.
Ready to start? Contact us today to learn how to set up Early Pay and take control of your financial future.
What would you do with your paycheck if it arrived two days earlier? Let us know in the comments!
Disclosures: Early availability of direct deposits is not guaranteed and may vary. Eligible direct deposits are limited to electronic direct deposits such as payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) to personal accounts. Other types of deposits, including mobile and check deposits, may not be eligible.
