How to Get Paid Early: Access Your Paycheck Faster

Getting paid early can help you stay ahead of financial obligations and avoid costly overdraft fees. Plus, it just feels good – there’s some piece of mind when you see your paycheck appear in your account.

In this article, we’ll explore different ways to get paid early, including employer programs, financial tools and banking solutions—like OMB Bank’s Early Payday Program, which gives you access to your funds up to two days early for eligible direct deposits.

1. Direct Deposit: The Key to Getting Paid Early

If you’re still receiving paper checks, switching to direct deposit is the first step toward faster access to your earnings. Many banks process direct deposits as soon as they receive payroll information, sometimes releasing funds before the official payday.

How to Set Up Direct Deposit:

1. Request a direct deposit form from your employer.
2. Provide your bank’s routing number and your account number.
3. Confirm with payroll that direct deposit is active (this may take one or two pay cycles).

Once you’re enrolled, you may qualify for early paycheck features offered by your bank.

2. Get Paid Early with OMB Bank’s Early Payday Program

OMB Bank’s Early Payday program gives you access to your paycheck up to two days early for eligible direct deposits. When OMB receives information from your payor that a deposit is on the way, you may be able to access those funds automatically—before the official payday.

This is possible because direct deposits have become a routine and predictable process. Instead of waiting for the funds to fully settle, the bank advances the money, allowing earlier access to it.

Who Is Eligible?

• You must have a checking or savings account with OMB Bank.
• Your employer or payor must submit direct deposits via ACH (Automated Clearing House) transfer.
• The timing of early deposit availability depends on when we receive the deposit notification from your employer.

How to Enroll in Early Payday

No extra steps are required! If your direct deposit is eligible, OMB will automatically make your funds available early.

Why Choose Early Payday?

• Access your paycheck up to two days early—helping you manage bills, rent and expenses without waiting.
• No hidden fees—Early Payday is a free benefit for OMB Bank customers.
• Seamless early access—No need to apply or opt-in, eligible deposits are automatically processed early.

If you’re looking for a way to get your paycheck faster, switching to OMB Bank’s Early Payday program can be a smart move.

3. Employer-Based Early Pay Programs

Some employers partner with financial services to offer employees early access to earned wages. Common Employer Programs Include:

• Earned Wage Access: Some companies allow employees to access a portion of their paycheck before payday. Services like EarnIn, DailyPay and Even provide this option.
• On-Demand Pay: Retail, hospitality and gig workers may have access to daily payouts through employer payroll apps.

If your employer offers an early pay benefit, check for fees or limitations before opting in.

4. Payroll Advance and Cash Advance Apps

Several apps provide short-term advances on your paycheck with low or no fees. These include:

• EarnIn–Lets you access up to $100 per day based on hours worked, with no interest or mandatory fees.
• Brigit–Offers interest-free advances and budgeting tools.
• Dave–Provides cash advances up to $500 with no credit check.

While these services can be helpful in emergencies, they should not replace regular budgeting. You should also pay special attention to any fees or requirements.

5. Gig Work and Side Hustles for Immediate Earnings

If you need extra cash before payday, gig work can provide same-day or instant payouts. Popular options include:

• Rideshare & Delivery Apps: Uber, Lyft, DoorDash, Instacart (many offer instant cash-out features).
• Freelancing: Platforms like Fiverr and Upwork allow you to withdraw earnings after completing jobs.
• Odd Jobs: TaskRabbit and Rover provide fast payments for one-time gigs like dog walking and handyman services.

These opportunities allow you to supplement your income without taking on debt. To learn more about side hustles, check out this Money and More article.

Getting paid early can provide financial flexibility and help you stay ahead of expenses. Whether through direct deposit, employer benefits or OMB’s Early Payday Program, understanding your options can put you in better control of your cash flow. Ready to take advantage of Early Payday? Visit an OMB branch to learn more or open an account online!

OMB and its affiliates do not provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decision.