Access Your Funds Faster

Automatically and With No Extra Fees

With Early Pay you could get your recurring direct deposit up to two business days before your scheduled payday.

Why Wait for Payday? Get Paid Up to Two Days Early with Early Pay 

What Early Pay Does for You 

  • Faster access to your money. As soon as we receive payment instructions from your employer or benefits provider, we may make the funds available — up to two days early. 
  • More accounts covered. Early Pay is available on personal and business checking and savings accounts.
  • More than just paychecks. Early Pay may apply to any preauthorized electronic deposit, including payroll, pension, government benefit, or other similar recurring payments.
  • No enrollment needed. If you have direct deposit set up with us, you’re all set — no signup, no extra steps. 
  • Full flexibility. Early access gives you a head start on bills, rent, groceries, or other expenses — giving you more control over when your cash flows. 

How Early Pay Works

Get Set

Set up direct deposit with your employer or benefits payer using your TSB routing and account number.

Get Informed

Once we receive deposit details, we make your funds available. Check Online or Mobile Banking to see when your deposit posts.

Get Paid Earlier

Your money is now in hand, up to two days before your payday.

NO EXTRA ACTION REQUIRED. Once direct deposit is in place for preauthorized electronic payments, Early Pay works automatically. For additional questions, contact our Customer Care Center at (860) 496-2152. 

Early Pay Details:

Direct deposits and preauthorized ACH credits received by Torrington Savings Bank may be credited to your account and made available for your use as soon as two business days prior to the scheduled posting date. On occasion, we may not receive information ahead of time from the payer and may not be able to post your deposit early. In this case, your deposit will post on the regularly scheduled posting day.

There is no enrollment necessary and no fee for this service.

Torrington Savings Bank is not responsible for any fees or penalties, including Non-Sufficient Funds (NSF) fees, that may result from transactions made before an Early Pay direct deposit or ACH credit has been posted to your account.