Give Yourself an Early Payday!
Receive your paycheck a day early with a checking account and qualifying direct deposit at Niagara’s Choice. No need to enroll or sign up for anything, we provide this free service automatically.
How do I set up Direct Deposit?
Simply fill out the direct deposit authorization form and give it to your employer.
Do I need to opt in?
No. If you receive a qualifying direct deposit through your employer, it will automatically be posted one day early.
What time is my direct deposit posted?
The deposit depends on the time your employer sends their payroll file to us. We post payroll files throughout the day.
Will my deposit always arrive early?
There may be situations where your deposit won’t post early such as:
- If it is your first direct deposit
- Your deposit type is not eligible for early deposit
- There is a payroll issue from your employer
What if only part of my paycheck gets deposited at Niagara’s Choice – will I still get it early?
Yes. All or part of your paycheck is eligible for early deposit.
How can I see if my deposit went in early?
You can sign up for our Online Banking and use the NCFCU Mobile App to track deposits to your account.
What if I change jobs?
If you change jobs you will need to set up a direct deposit with your new employer.
