Get paid up to 2 days early1 with EarlyPay!

What is EarlyPay?
EarlyPay is a FREE service for Sharonview members that gives you access to your eligible direct deposits2 (e.g. payroll or government benefits) up to two days early!

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How does EarlyPay work?
When your eligible direct deposit payment is allocated to your Sharonview deposit account, such as a savings or checking account, we may receive information from your payment originator up to two days earlier than the scheduled payment date. If we do, we may make the funds available to you one to two business days early. There is no sign up or enrollment required—itʼs simply a great benefit of being a Sharonview member. Here are some important things to know:

  • Your “pay date” from your employer/payment originator does not change
  • Receiving direct deposit is not a guarantee of early funds availability.
  • Sharonview does not charge a fee for EarlyPay.
  • You can set up alerts in online banking to receive notifications of when deposits are received.
What could impact EarlyPay?
The timing of funds availability depends on when your payment originator provides payment details. Below are some common reasons why your direct deposit may not be available early:

  • Payment originator does not provide the payment details early.
  • Payment system issue with your direct deposit originator.
  • Your direct deposit was recently set up for the first time.
  • Your deposit type is not eligible, such as bank-to-bank transfers or peer-to-peer (P2P) payments.
1 EarlyPay Service: For certain direct deposits, we may make those funds available to you up to one to two business days before we receive the funds from the payor, which is typically your employer or its payroll service provider. Our ability to provide early access to these funds may be limited by many factors, such as when we receive notice of payment from your payor. EarlyPay is not guaranteed, may vary between pay periods, and we may stop providing it at any time without advance notice to you. EarlyPay funds will be reflected in your account’s available balance.  It is always your obligation to verify that the funds are available in your account before spending them.  
2 Deposits Available for EarlyPay: Not all direct deposits are eligible for EarlyPay. Eligible direct deposits are generally limited to electronic direct deposits such as your payroll, pension, and government benefit payments that are made through the Automated Clearing House (ACH) network. Most other deposits or credits to your account, such as deposits of funds from person-to-person payments services (e.g., Zelle®, Venmo, or PayPal transfers), check or mobile deposits, instant payments processed through the RTP® network, and other online transfers are not eligible for EarlyPay.

 

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