Can't Wait Until Payday? LincOne Lets You Access Your Direct Deposit Early

We've been there. A bill is due, an unexpected expense pops up, and your paycheck is sitting just one or two days away. It's a common and financial experience that people face.

LincOne Federal Credit Union has changed that. With our Payday Early Deposit feature, members can now access their pending direct deposit before it officially posts, for a simple, flat fee of $20. No credit check, no complicated approval process, no waiting. Faster access to money that's already yours.

How the Early Deposit Feature Works

The process is straightforward and built right into the tools you already use. The LincOne mobile app and online banking. Here's how it works from start to finish:

When you have a direct deposit pending in your account, you'll see a notification the next time you log into the mobile app or online banking. The alert will let you know that some of your pending transactions are available to be posted early.

From there, it's just a few taps:

1. Tap "Review" on the notification to see your Pending Electronic Transactions.

2. Click the dropdown arrow next to your pending deposit to expand the details. Here is where you'll see the deposit amount, the date it's scheduled to post.

3. Click POST NOW ($20 fee) to receive your direct deposit immediately.

That's it. The funds post to your account right away, and you're free to use them however you need.

Why $20 and Is It Worth It?

The Early Deposit feature carries a flat $20 fee, regardless of the size of your deposit. For many members, that math makes a lot of sense. If you're looking at a $1,500 or $2,000 paycheck and you need access to it today rather than tomorrow or the day after. $20 is a small price for a real solution. Especially compared to the cost of a late fee, an overdraft charge, or the stress of waiting, Early Payday provides peace of mind.

This isn't a payday loan or a cash advance with compounding interest. Payday Early simply an early release of a deposit that's already on its way to you. You know exactly what you're paying, upfront, with no surprises.

Who Is This Feature For?

The Early Deposit feature is designed for moments when timing matters. Payday Early is useful for when:

• A bill is due before your scheduled payday and you want to avoid a late fee

• An unexpected expense comes up and your paycheck is one or two days out

• You get paid on a weekend or holiday schedule and your deposit is delayed

• You simply prefer having flexibility and control over when your money is available

Where to Find It

The Early Deposit feature is available through both the LincOne mobile app and online banking. You don't need to call in or visit a branch. The notification appears automatically when you have a qualifying pending deposit, and the whole process takes less than a minute once you're logged in.

If you haven't set up mobile banking or the LincOne app yet, this is a great reason to get started. Our digital banking tools are designed to give you more visibility and control over your finances. Early Deposit is just one of many features built to make your day-to-day financial life easier.

Questions? We're Here.

If you're not sure whether a deposit qualifies, want to know more about how the feature works, or just want to walk through it with someone before using it for the first time, our team is happy to help. Stop by any LincOne branch, give us a call, and we'll walk you through it.

Your money. Your timing. Your choice. LincOne Federal Credit Union is here to make that possible.