Early Pay
Early Pay gives you free access to your paycheck or qualifying direct deposit up to two days early, helping you stay on top of bills and handle unexpected expenses. Just set up direct deposit for your payroll or government benefit in a qualifying First Merchants account and, if the payment is eligible, you’ll get paid early!
Get paid early. Worry less. Take care of bills, handle life’s surprises, and breathe easier. Here’s how Early Pay works:
It’s Free
There are no costs or fees for Early Pay. Just money straight into your account – up to 2 days early.
It’s Not a Loan
Unlike payday loans or cash advances, Early Pay is free. You don’t have to worry about interest or repayment.
It’s Automatic
"No need to sign up, opt in, or fill out forms. If your payroll qualifies, Early Pay automatically delivers your paycheck up to two business days early.
Want to know when your account gets a deposit? Just set up an alert for deposits in your First Merchants app, and we’ll let you know the moment money hits your account. It’s easy to set up: Just tap More > Settings > Alert Settings > Tap New Alert and then select History Alert on your account for credit transactions.
*Terms and conditions apply. Early Pay is a free service that First Merchants Bank offers at its discretion. We can’t guarantee you’ll always get your paycheck early—it depends on how and when your employer sends us your direct deposit. Not all employers send deposits early or label them in a way that qualifies for Early Pay. If your deposit doesn’t meet the criteria, it will arrive on your regular payday.
