Direct Deposit with Early Pay

Enhanced Direct Deposit with Early Pay

At UniBank, we believe direct deposit is one of the easiest and most secure ways to manage your finances. With direct deposit, your paycheck, pension, or government benefits move straight into your account—no waiting, no trip to the bank, and no lost checks.

Combined with Early Pay, direct deposit becomes even more powerful:

  • You get access to your money sooner, often 1–2 days before the standard payment date.
  • The process is secure and seamless—once your payor sends the funds via ACH, we handle the rest.
  • Because direct deposit is foundational to Early Pay, it’s a good time to verify that your employer, benefits office, or payor is using your correct UniBank routing number (211372378) and account number.
  • If you aren’t yet enrolled in direct deposit, now’s a perfect time to set it up. We provide a form and simple instructions to help you start. Direct Deposit Form

Online & Mobile Banking: Keep Control of Your Money


To get the most from Early Pay and direct deposit, pair them with our Online and Mobile Banking tools:
  • Monitor deposits and balances around the clock
  • Transfer funds instantly between accounts
  • Pay bills quickly and safely
  • Set up mobile alerts (e.g. “Large Electronic Check Posted”)
  • Deposit checks via Mobile Deposit
Once we receive payment instructions via ACH from your payer, eligible direct deposits are credited to your account—sometimes 1 or 2 days ahead of schedule.
No. All UniBank checking, savings, and money market accounts are automatically eligible. If your direct deposit is eligible, you're already enrolled.
Not necessarily. Early availability depends on when your employer or payer transmits the deposit information, whether the deposit qualifies (ACH-based payroll, pension, etc.), our internal fraud/security screening, and any limitations applied to your account.
No. Early Pay from UniBank is completely free.
Early Pay is available to all UniBank checking, savings, and money market accounts.















Take the Next Step!

 
  1.  Check with your employer or payor to confirm they have your correct UniBank routing and account numbers.
  2. If you haven’t enrolled in direct deposit, now’s the time—use our downloadable form to get started.
  3. Enroll in Online and Mobile Banking (if you haven’t already). While not a requirement, this gives you full access to tools like alerts, mobile deposit, and real-time account monitoring.
By combining direct deposit + Early Pay + our digital banking capabilities, you get faster access, more control, and a smoother banking experience. And as always, UniBank remains committed to delivering service rooted in communities across Massachusetts.