Introducing Early Pay
Get Paid Sooner with Early Pay
We’re excited to offer a new benefit that may give you earlier access to your paycheck. Beginning in June, Early Pay will allow eligible direct deposits to hit your account up to two business days before your normal payment date. Whether it's your paycheck, Social Security payment, pension, or certain government benefits, Early Pay gives you added financial flexibility, greater convenience, and faster access to the money you depend on – at no additional cost.There's no enrollment required. If you have direct deposit into your Middlesex Savings Bank checking account, you will automatically be enrolled on June 22, 2026.
Explore the Frequently Asked Questions below to learn more about how Early Pay works and what to expect.
Frequently Asked Questions
Early Pay is a feature that may allow eligible direct deposits to become available up to two business days before the scheduled payment date.
Early Pay starts on Monday, June 22, 2026. Keep an eye on your account – if you have direct deposit, you may notice that your payday comes early this week.
Examples of eligible direct deposits include:
- Payroll direct deposits
- Government benefit payments
- Social Security payments
- Pension payments
- Allotments
No. Customers receiving eligible direct deposits are automatically enrolled.
Yes. You may opt out by visiting your local branch or calling our Information Center at 1-877-463-6287.
* Opting out of Early Pay for a joint account will remove the feature for all account holders, regardless of who requests the opt out.
* Opting out of Early Pay for a joint account will remove the feature for all account holders, regardless of who requests the opt out.
That depends. While you may get your direct deposits two days early, it isn’t guaranteed every time. The timing depends on when we receive the payment information from the sender. As a result, your deposit may arrive two days early, one day early, or on your regularly scheduled payment date.
Some common reasons a deposit may not arrive early include:
Some common reasons a deposit may not arrive early include:
- The sender submitted the payment information later than usual.
- The deposit is not eligible for Early Pay.
- There was a delay with the sender’s payroll or payment processing system.
No. Early Pay is not tied to a specific day. Eligible deposits will be posted as soon as they are received and processed, up to two business days before the scheduled payment date.
No. Deposits are posted throughout the day as they are received and processed.
Early Pay timing can vary depending on when the sender submits payment information. If information is received later than usual, funds may become available on the standard payment date instead of early.
No. Because Early Pay is not guaranteed, we do not recommend changing payment dates based on the expectation that funds will always arrive early. Scheduling payments before funds are available could result in returned items and fees.