Get paid up to 2 days early when you receive ACH payments into your Ledyard checking, money market or savings account! 1
Ledyard Early Access is a feature available that may allow you to receive ACH deposits, such as payroll, pension, or government benefit payments, up to two (2) business days earlier than the scheduled payment date.
This service is free to all clients who have incoming ACH deposits.
Take advantage of Ledyard Early Access by setting up your Ledyard account to receive your electronic payments.
You'll need your account number and Ledyard's routing number. Log into online banking where you can find these numbers under your account details or call your financial center manager who can help you.
Enjoy the security benefits of direct deposit, too. No longer worry about mailed paychecks being lost or stolen!
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A: When we receive advance notification of an incoming ACH deposit through the ACH network, we may make the funds available before the scheduled payment date. The timing depends on when the payor, such as your employer or benefits provider, submits the payment file.
A: No. Early Access is an automatic service we offer for free with your Ledyard account enrolled in direct deposit.
A. No. Early availability of funds is not guaranteed. Whether funds are made available early depends on when we receive payment information from the payor's financial institution and the ACH network, which is outside of our control. The Bank may discontinue early access at any time.
A. No. Not all ACH deposits qualify. Only eligible ACH credit transactions that include advance notification from the originator may be considered for Early Access.
A. It depends. You might get your direct deposit 2 days earlier, 1 day earlier or on your regularly scheduled payday. Here are some reasons why you might not receive your deposit early:
You recently set up direct deposit for the first time.
Your deposit type is not eligible, such as a bank-to-bank transfer.
There’s a payroll system issue from your payer.
Early direct deposits also depend on timing—your payer must provide payment details on time so the deposit can process early. If your deposit doesn't arrive early, expect it to arrive on your scheduled payday.
Early Access may vary from deposit to deposit. If advance notification is not received, or if the payor submits payment information later than usual, your deposit may be available on the scheduled payment date instead of early.
A: If you already have direct deposit set up with your Ledyard account, there’s nothing you need to do for you to get paid early.
A: Our Funds Availability Policy for all other deposit types (checks, cash, wire transfers, etc.) remains unchanged. Please refer to our Funds Availability Policy Disclosure for complete details.
1 If you are a Ledyard personal checking, savings or money market account client who has set up a direct deposit with a payor, you may be able to get that direct deposit up to two days early with Ledyard Early Access. Whether a direct deposit is eligible for Early Access is at our discretion and we cannot guarantee that you will always receive the Early Access service.
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