With Early Pay from Citizens Bank, eligible direct deposits may be available in your checking account up to 2 business days early.* Early Pay is designed to give you quicker access to your money with no enrollment required and no additional steps once direct deposit is established.
Whether you're paying bills, covering unexpected expenses, or simply want access to your money sooner, Early Pay helps you get the most from your Citizens Bank checking account.
Get Paid Up to Two Days Early*
How early pay works
Keep More Control of Your Cash Flow
Benefits of Early Pay
Safe, Secure & Convenient Direct Deposit
Why Choose Direct Deposit?
Stay Informed
With Citizens Bank Digital Banking, you can set up account alerts and receive notifications when deposits are made to your account, helping you track your finances and know when your money arrives.
Questions? We're Here to Help.
If you have questions about direct deposit, Early Pay, or your Citizens Bank account, we're happy to help. Our team can answer your questions, assist with account information, and help you make the most of your banking relationship.
Visit our Contact Us page to find branch locations, phone numbers, and additional ways to connect with us.
Frequently Asked Questions (FAQs)
Getting Started
To take advantage of Early Pay, contact your employer's payroll department, retirement provider, or benefits administrator to establish direct deposit.
You may need:
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Bank Name: Citizens Bank
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Routing Number: 064207946
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Your Account Number
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Account Type: Checking
Do I need to enroll in Early Pay?
No. Early Pay is automatic for eligible direct deposits.
Is Early Pay guaranteed?
No. Early availability depends on when Citizens Bank receives payment information from the payer and may vary from deposit to deposit.
What types of deposits may qualifty?
A qualifying direct deposit includes recurring electronic deposits of payroll, pension, or Government Benefit Payments made through the ACH network. Non-qualifying deposits include person-to-person and other electronic money transfers made through the internet payment services.
Is there a fee?
No. Early Pay is part of Citizen Bank Standard Consumer Checking Features.
When will I receive my deposit?
Timing varies and depends on when Citizens Bank receives payment information from the payer. Notification of some deposit may be available prior to scheduled payment date allowing for earlier availability, while other notifications may arrive on the scheduled date.
IMPORTant information
*Early availability is not guaranteed and may vary from deposit to deposit. Early access to direct deposit funds depends on the timing of the payer's submission of the payment file to Citizens Bank and fraud prevention restrictions. Because certain account features and fee assessments may be affected by the timing of deposits, customers should review their account agreement and disclosures to understand how Early Pay may impact their specific account. Eligible direct deposits may be available up to 2 business days before the scheduled payment date when payment information is received from the payer prior to the payment date. An eligible direct deposit includes recurring electronic deposits of payroll, pension or Government Benefits Payment made through the ACH network. Non eligible deposits include person-to-person and other electronic money transfers made through internet payment services. It is your responsibility to verify availability of funds prior to using your direct deposit. Funds may be subject to any correction allowed under payment network rules prior to the settlement date. Service is only available for consumer checking accounts used for personal purposes. Citizens Bank reserves the right to discontinue this service at any time.
