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Access your money early.

You could get your paycheck up to two days early when you have a direct deposit to your Lake Trust account.
 
 
 
 

Get Paid Early

Early Pay is here.

Get Paid Early

Early Pay is here.

When you have a direct deposit set up to your Lake Trust account, you could get paid up to two days sooner with Early Pay!1 You’re automatically enrolled if you’re a Lake Trust member and have a direct deposit to your account.


Having access to your money two days earlier means you can catch up on bills, work toward your goals, or take care of other expenses, sooner.

 
 

GET PAID SOONER

How to set up direct deposit.

GET PAID SOONER

How to set up direct deposit.

To set up a new direct deposit to your Lake Trust account, you’ll need:

  • Lake Trust routing number: 272078268

  • Your full Lake Trust account number

  • Your full legal name

Contact your employer to fill out a new direct deposit form. Then, enjoy early access to your money with Early Pay!1

 
See more direct deposit details
 

Check your balance with Online or Mobile Banking to see if your funds are available early.

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FINANCIAL WELLBEING LIBRARY

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Frequently asked questions.
 

Learn more about Early Pay and the benefits to you. If you need help with your account or have questions, remember you can always contact us.

What is Early Pay?

Early Pay allows you to access your paycheck or direct deposit up to two days early (depending on your employer or the sender). For example, if you usually receive your paycheck on Friday, you could see the funds available in your account as soon as Wednesday. Early Pay is free and you don’t have to enroll in anything to access it. Just enjoy getting your money sooner!1

Who qualifies for Early Pay?

All Lake Trust members with a direct deposit qualify for Early Pay. However, the availability of funds does depend on when Lake Trust receives the deposit from your employer or the sender. So, if you don’t see your direct deposit early, you may want to ask your employer when they typically send funds.

Is enrollment required to use Early Pay?

No enrollment is required to use Early Pay! Just enjoy receiving your paycheck up to two days early when you have a direct deposit set to post to your Lake Trust account!1

How do I set up direct deposit to my Lake Trust account?

You can set up a direct deposit with your employer. To do this, you’ll need the Lake Trust routing number (272078268), your full account number, and your full legal name. if you need help filling out a direct deposit form, give us a call at 888.267.7200.

You can also find more information about direct deposit on our Financial Wellbeing Library.

What if I don’t want Early Pay?

If you don’t want Early Pay and want to receive your paycheck on the usual date, give us a call at 888.267.7200 or stop by any Lake Trust relationship center.
Find more resources to manage your account.

How to switch your financial institution.

View a step-by-step guide on how to move your funds to Lake Trust.

 

Get The Guide

How to create (and keep) a budget.

Making a monthly budget can help you create a plan for your savings journey.

 

See Budget Tips

How to switch your financial institution.

View a step-by-step guide on how to move your funds to Lake Trust.

 

Get The Guide

How to create (and keep) a budget.

Making a monthly budget can help you create a plan for your savings journey.

 

See Budget Tips
1 Early Pay is available for eligible ACH direct deposits on established membership. Early access to funds depends on receipt of payment information and is not guaranteed. Terms and conditions may apply.
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Lake Trust is honored to be a Forbes Best-In-State Credit Union.

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