Change to Direct Deposits

Effective July 10, 2025, changes were made to make certain eligible direct deposits available early. Cadence began offering Early Pay, a new feature that gives consumer checking accounts access to eligible direct deposits up to two days early.

Treatment of Early Direct Deposits

We may make funds from eligible direct deposit payments available in your Account up to two business days prior to the scheduled pay date. Early availability is limited to certain types of electronic direct deposits made through the Automated Clearing House (ACH) network, such as payroll, government benefits payments, pensions and tax refunds. It is in our sole discretion to determine which direct deposits qualify for an early direct deposit. An early direct deposit is not guaranteed and may vary between pay periods. Our ability to provide early access to these funds may be limited by many factors, such as when we receive notice of payment from your payor.

Early direct deposits are only available for consumer checking accounts.

If a direct deposit is not made available early, it will be made available in accordance with our Terms and Conditions. Except as expressly set forth herein, funds made available early are subject to the same terms and conditions as other deposits to your Account. If we make funds available early and the payor reverses or requests a return of the deposit, or the funds are otherwise uncollected by us, you understand and agree that we may debit your Account up to the amount of the deposit that was previously made available, even if you have already withdrawn the funds or it creates an overdraft on your Account.

If you have any questions about this change, please contact us at 1-888-797-7711 or visit your local branch.