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CCU’s 2-Day ACH: Your Paycheck, Sooner

See how a 2-Day ACH can switch up your financial schedule for the better!

Early Payday: How a 2-Day ACH Puts You in Control of Your Cash

For many people, payday is a lifeline. But when your direct deposit is scheduled days away and expenses are already knocking—whether it’s rent, groceries, gas, or unexpected costs—waiting can feel like a financial setback.
 
That’s why early access to your paycheck is more than just a convenience. It’s a strategic advantage.
 

What is a 2-Day ACH?

2-Day ACH (Automated Clearing House) is a banking feature that allows eligible direct deposits to be posted up to two days before the scheduled payday. This means your paycheck could arrive earlier than expected, giving you quicker access to your funds without any additional effort on your part.
 

Why Early Access Matters

Receiving your paycheck early can help you:
  • Avoid late fees by paying bills on time
  • Reduce reliance on credit cards or short-term loans
  • Manage cash flow more effectively
  • Respond to emergencies without financial strain
  • Enjoy peace of mind knowing your money is available when you need it
Whether you’re living paycheck to paycheck or simply prefer more control over your finances, early access can make a meaningful difference.
 

How It Works

With Commonwealth Credit Union, the process is simple:
  • If you have Direct Deposit set up, you may receive your funds up to two days early.
  • There’s no enrollment required and no fees involved.
  • The timing depends on when your employer submits payroll information, but CCU processes eligible deposits as soon as they’re received.

Why Choose CCU?

At Commonwealth Credit Union, we’re committed to helping our members make smarter financial moves. Our 2-Day ACH feature is just one way we’re putting your needs first—offering faster access to your money, greater financial flexibility, and the peace of mind you deserve.