Early Pay

Get access to qualifying payroll funds from participating employers or federal and state government payments up to two days early with Early Pay¹.

No need to enroll and there's no additional cost—it’s automatic when you have qualifying direct deposits to your Regions account or prepaid Regions Now Card®.

You could get paid faster than ever with Early Pay

Set up direct deposit

Early Pay is automatically added to your account at no additional cost. Not set up with direct deposit yet? 

Log in to the Regions Mobile app or Online Banking² to switch your direct deposit quickly and securely using Direct Deposit Switcher. For direct deposits to the Now Card, download the direct deposit form.

Start getting paid up to two days faster

Get early access to your funds from eligible employer or payroll deposits. Early Pay also applies to federal disbursements (like retirement, unemployment and Social Security) and state unemployment benefits.

Don't stress about cashing checks or losing them in the mail. Enjoy a little breathing room and get your payment automatically deposited to your Regions account a little faster. Direct deposit may take one to two pay cycles to begin, depending on the employer,  payroll or payment provider. 

Sign up for alerts and notifications

Set up customized alerts through online banking or the mobile app to get notified when deposits or other transactions increase your available balance. Learn more about setting up alerts and notifications.

Early Pay FAQs

No, there is no need to enroll. Customers are automatically enrolled in Early Pay.

If you’re not currently enrolled in direct deposit you can:

Log in to Regions Mobile app or Online Banking² and navigate to Manage direct deposits.
Learn more about enrolling in direct deposit or visit a local branch.
Now Card customers can access the Now Card direct deposit form, or visit a local branch.

Businesses and employers don’t always submit their direct deposit information at the same time each pay period. For example, one pay period, they may submit it one day early, and the next, they may submit it two days early. Unfortunately, we don’t have control over the timing. However, you can subscribe to receive alerts so you’re notified when you receive your direct deposits early. Learn more about alerts.

Direct deposits that may be received early include payroll and government disbursements, such as Social Security, retirement and state unemployment benefits. Deposits from employers that are notated as payroll or something similar may be eligible for Early Pay. We rely on transaction coding and instructions provided by payers to determine if the transaction is eligible for Early Pay. Early Pay is not guaranteed and is dependent on the payer or employer and their payroll or payment processing.

Depending on your employer or payor, it could take up to 60 days for the direct deposit to be eligible for the Early Pay service. However, in some cases, it may happen sooner.

Your path to financial confidence starts with a plan.

With the right tools and guidance, anyone can be good with money. Let us help you build a Regions Greenprint®, a personalized plan to achieve your financial goals.

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Smart solutions to help you succeed

Plan for the future
Build plan to reach goals

Work with a banker to build a Regions Greenprint® personalized plan to help you achieve your goals.

Refer a friend, get a reward

Refer a friend who opens a new Regions personal checking account and fulfills all offer requirements and you both get a $50 reward.

Access funds
Build credit for the future

Subscribe to Self³, a service that could help build your credit history by reporting payments you already make. Sign up for Rent Reporting at no cost to improve your access to financial opportunities in the future.

Protect assets
Get account activity alerts

Get account information sent directly to you via email, SMS/text message⁴ and push notifications when you set up alerts and notifications. 

Enjoy Early Pay on your Regions accounts and the prepaid Now Card

Many banks offer early direct deposit only on a specific checking account—but Regions customers can enjoy Early Pay on all checking, savings and money market accounts, as well as the prepaid Now Card^®.

Open an account Apply for a prepaid Now Card

We want to make banking better.

We are here to help you, whenever you need it, wherever you are. Bank on the go with mobile and online banking, or stop by one of our 1,200 branches for dedicated, caring service from our team of bankers.

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Regions Early Pay is a courtesy service provided in the sole discretion of Regions Bank according to criteria established from time to time by Regions Bank. Regions Bank does not guarantee the early availability of any direct deposit or Now Card load. Terms and limitations apply. See Regions Bank deposit agreement and Regions Now Visa® Prepaid Card Terms and Conditions for details.
Enrollment in Regions Online Banking requires eligible Regions accounts. To enroll in Online Banking, you must have either a Social Security or taxpayer identification number or use alternative enrollment procedures available by visiting a branch. Regions Mobile app, Alerts, Notifications, Text Banking and Mobile Deposit require a compatible device and enrollment in Online Banking. All are subject to separate terms and conditions. There is no fee to access Online Banking or the mobile app, but fees may apply to certain products and services offered through Online Banking and the mobile app. Mobile Deposit may be subject to fees. Your mobile carrier’s messaging and data fees may apply. You must be at least 18 years of age to use Regions Bill Pay or Zelle®. U.S. checking or savings account required to use Zelle®.
Services are provided by Self Financial, Inc. Enrollment (including eligibility requirements such as being 18 years or older) is subject to Self's terms and conditions. Regions Bank does not provide these services and makes no representations or warranties about them. Individual results vary. You may not receive an improved credit score. Other factors, including activity with other creditors, may impact results. Many lenders, including most auto and mortgage lenders, do not use scores impacted by rent, cell and utility payments. Not all bill payments may be eligible. Rent payments are reported to Experian, Equifax and TransUnion. Utility & cell phone payments are reported to TransUnion.
Push and text/SMS notifications require enrollment in Regions Online Banking and are subject to the Regions Online Banking terms and conditions. A compatible mobile device (phone or tablet) also is required. Push notifications require installation of the Regions Mobile app. Mobile carrier messaging and data fees may apply to text/SMS notifications.