How does early paycheck work?

Customers who set up direct deposit can get paid up to two days early to pay bills, go shopping, or have a night out!

In order to take advantage and access your funds up to 2 days early, you must:

• Open a deposit account through Upgrade (Rewards Checking Preferred, Everyday Savings, Premier Savings)
• Set up direct deposit into your deposit account, and
• Receive less than $5,000 per direct deposit into your deposit account
• Access your paycheck sooner and start using your debit card with rewards!

Upgrade cannot guarantee that you will receive your direct deposit early. The timeframe for you to receive your direct deposit is entirely dependent on when your employer initiates the payroll payment. Cross River Bank will make the funds available in your account when the ACH file is received, which can be up to 2 days prior to the deposit date.