Give your members payday. Before payday.
FIT Early ACH Payroll lets your credit union offer early posting of ACH credits to select members based on enrollment and qualification — turning early pay into a meaningful member benefit, not a blanket risk.
✓ Enrollment-Based✓ NACUSO Member CUSO✓ SCEIS Approved Vendor
Product Overview
Early pay as a service — not a blanket risk.
Early ACH Payroll assists credit unions with offering early posting of ACH credits for select accounts based on enrollment and qualification. This allows credit unions the ability to offer early posting as a service rather than a blanket offer to the entire membership — which can increase risk and exposure.
Controlled by Design
Unlike fintech apps that offer early pay to anyone, FIT's script gates access through enrollment and qualification — so your credit union can offer a compelling member benefit while managing exposure at the individual account level, not across the entire membership.
How It Works
Three ways to make it yours
Every credit union's membership and risk profile is different. The Early ACH Payroll Script is built to flex around your policies.
Flexible Credit Scope
Configure the script to apply early posting to all ACH credits or limit it to a targeted subset — specific employers, payroll sources, or transaction types — giving you precise control over which deposits receive the early pay benefit.
Adjustable Early Posting Days
Set the number of days before standard settlement that qualified members receive their funds. Whether you want to post one day early, two days, or more — the script adapts to your credit union's policy and risk tolerance.
Built-In Transaction Reporting
Every adjusted transaction is captured in the included reporting suite — giving your team full visibility into which accounts received early pay, the amounts posted, and timing details for audit, compliance, and member service purposes.
Enrollment Model
Early pay for the right members.
At the right time.
Instead of offering early ACH posting to your entire membership —
which increases exposure — this solution gates access through a
defined enrollment and qualification process, putting control
firmly in your credit union's hands.
Member Enrolls
Members opt in to the early pay program — it is never applied automatically to the full membership base.
Account Qualifies
The script evaluates the account against your defined qualification criteria before applying any early posting.
ACH Credits Post Early
Qualified ACH credits are posted the configured number of days ahead of standard settlement — with every transaction captured in the report.
Sample Payroll Posting Timeline
Risk Management
Early pay without the blanket exposure.
The risk of offering early ACH posting comes when it's applied indiscriminately. FIT's script is designed from the ground up to give your credit union layered controls — so the benefit reaches the right members without creating unchecked liability.
Account-Level Qualification
Each account is individually evaluated against your qualification criteria before any early posting is applied — not opted in by default.
Configurable Credit Scope
Limit early posting to specific ACH credit types or sources — preventing unintended exposure from non-payroll credits or ineligible transactions.
Full Transaction Audit Trail
Every adjusted transaction is captured in the built-in reporting suite — giving your team a complete audit trail for compliance, member inquiries, and internal review.