Consumers National Bank

Fast Track Pay

Have you ever wished you could get paid earlier? Now with Fast Track Pay  you can get paid up to two days before pay day when you have an eligible direct deposit into your Consumers National Bank personal checking, savings, or money market account.*

What is Fast Track Pay?

Fast Track Pay  provides you access to eligible direct deposits up to two days early.*

There is no fee for Fast Track Pay  and enrollment is automatic if you have an eligible direct deposit set up into your Consumers National Bank personal checking, savings, or money market account.**

The availability of your direct deposit depends on how the payor processes their payments. Once we receive the information about your incoming direct deposit from your payor, we may make the funds available to you up to two days earlier than your scheduled pay date. Your pay may not be available early if:

- The direct deposit is not posted prior to your regular pay date by your payor

- The direct deposit is received after our processing cut-off time

- The direct deposit is received on the same day as your regular pay date

Early availability is not guaranteed, and may vary from deposit to deposit, including deposits from the same payor.  Whether your funds become available one or two days early or on your regular pay date are beyond the control of Consumers National Bank.

You can check to see if your funds are available any time by logging into your account through our website or by downloading our mobile banking app on your phone.

For more information, visit your local Consumers National Bank office or call us at (800) 948-1262.

*With Fast Track Pay, the Bank may make incoming electronic direct deposits made through Automated Clearing House (ACH) available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Fast Track Pay. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Whether we make funds available early depends on when we receive the payor's payment instructions, and any limitations we set on the amount of early availability, Available for personal accounts only.
**Eligible direct deposits are limited to electronic direct deposits of items such as your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) to your personal account. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g., P2P, Zelle®️, Venmo, or PayPal transfers), check or mobile deposits, and other online transfers or electronic credits are not eligible for Fast Track Pay.

Fast Track Pay FAQs

How do I know if I am enrolled in Fast Track Pay?

You are automatically enrolled when you set up direct deposit of an eligible payment such as a payroll, pension, Social Security or other recurring payment.

How do I set up direct deposit?

Direct deposit can be set up by contacting your employer or other source of payment. You will need to provide them with your Consumers Bank account number and the bank’s routing number which is 041201143.

How long after my direct deposit is set up will it take to start receiving my payment early?

Fast Track Pay will begin with your first or second direct deposit to Consumers Bank depending on when the bank receives your first direct deposit.

Will funds from direct deposit always arrive early?

The availability of your direct deposit depends on how your payor processes their payments and can range from two days early to the regular pay date.

What kind of direct deposits can I get early?

Qualifying direct deposits include direct deposits from your employer, pension, Social Security, and other government benefit payments.

For more information, visit your local Consumers National Bank office or call us at (800) 948-1262.

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