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Get Paid Sooner with Early Pay

Why wait for payday? With Early Pay at Climb, you can access your paycheck up to a full day early—just by having direct deposit set up with your checking account.* No extra steps. No fees. Just your money, sooner.

  • Get your paycheck up to one day sooner with Early Pay when you set up direct deposit.
  • Free and automatic with Climb checking accounts—no enrollment required.
  • All direct deposits qualify, including tax refunds, military pay, pension, disability, retirement, Social Security benefit checks and more.

To set up Direct Deposit, simply download and complete this form and provide it to your employer. (To keep your account information safe, provide a printed copy to your employer. Never send account information by email.)

How to get paid early with Direct Deposit

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 Share the completed form with the company or agency that pays you. (To keep your account information safe, always provide a printed copy—never send account details by email.)

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Monitor your account. It may take one to two pay or benefit cycles for direct deposit—and Early Pay—to take effect.

Questions? We have answers.

How do I get Early Pay?
Early Pay is automatically included with your Climb checking account. Just set up direct deposit, and you could receive your paycheck up to a full day early—no enrollment needed.*
How do I set up direct deposit?
It’s easy. Complete a direct deposit form and provide it to your employer or payment provider. You’ll need Climb’s routing number (302076017) and your account number. For your security, always share this information on a printed form or secure portal—never by email.
When can I expect my direct deposit to post to my account?
With Early Pay, your deposit may arrive one day before your scheduled payday. Timing depends on when Climb receives the payment instructions from your employer or payer.*
What if my direct deposit isn’t showing up early?
Early Pay depends on when we receive your deposit information.* If your employer sends it later than usual, your deposit may arrive on your regular payday instead.
What if my direct deposit isn’t showing up at all?
If you’re not seeing your deposit, first check with your employer or payer to confirm it was sent and that your account details are correct. If everything looks right, we’re happy to help—reach out to us and we’ll take a closer look.

*Early access to direct deposit funds is based on the timing in which we receive notice of impending deposit, which is typically up to two days before the scheduled payment date, but may vary.

Count on competitive rates every day.

Access on the go!

Manage your accounts worldwide with free Online and Mobile Banking* and free eStatements. In the U.S., funds are accessible at nearly 30,000 fee-free CO-OP ATMs and over 5,600 CO-OP Shared Branch locations.

*Carrier data rates may apply.
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