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Early Direct Deposit

Get paid sooner with Early Direct Deposits*
  • Get paid one day early
  • Access your funds faster than at traditional banks
  • No extra trips to the branch to deposit your check 
  • Set account alerts to know exactly when your deposit is available
  • Go to "Switch Direct Deposit" in Digital Banking to use ClickSWITCH

See your funds in your account faster with Early Direct Deposit

With Early Direct Deposit, Andrews Federal will credit your account with your paycheck as soon as it becomes available. You can pay bills and make purchases with peace of mind - and Early Direct Deposit works for government payments too.

Get your paycheck one day early

With Early Direct Deposit, we make your paycheck available in our system when we receive notice that it’s been processed. This generally means you will receive the payment one day before your expected pay date.

Use Switch Direct Deposit in Digital Banking to Switch

We make switching your direct deposit from another institution easy! With Switch Direct Deposit in Digital Banking, you can move your direct deposit at another institution in a matter of minutes. Learn how it works. 

How Early Direct Deposit works

  • Employer submits payroll files to the Federal Reserve to start the direct deposit process.
  • The Federal Reserve notifies Andrews Federal of the amount of money you should receive when the deposit posts.
  • We deposit your money in your checking account when we receive the direct deposit notification.
  • As an example, for most Friday paydays, we get the alert from the Federal Reserve on Wednesday and make your funds available on Thursday, so you may be able to access your money earlier than your co-workers.*
  • Early Direct Deposit is available for paychecks, military benefits, and regular Social Security and Social Security disability checks

How to sign up for early direct deposit

Setting up your direct deposit is easy. It takes just a few minutes and a few simple steps.  

  1. Go to your employer or government agency’s online portal. 
  2. Enter your Andrews Federal account number, account type and routing number. You can find that information in the Andrews Federal app by tapping on your account details. 

Or you can directly provide your Andrews Federal account information to your HR department or government agency for processing. You can also set up up Early Direct Deposit for Social Security benefits, visit GoDirect.org to complete the process.

Visit GoDirect.org to set up direct deposit for Social Security benefits.

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Earn 5.50% APY* with Kasasa Cash Checking, a free checking account that pays high dividends. 

*Early access to direct deposit funds depends on timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be one day earlier than the payer’s scheduled payment date.

Andrews Federal Credit Union is a full-service financial institution with stateside locations in Washington, D.C., Maryland, Virginia and New Jersey and overseas locations in Germany, Belgium and the Netherlands.