ANNUAL MEETING NOTICE
You’re Invited: Our 94th Annual Meeting is April 28 at 5:00 PM. Click here for meeting details and virtual access.
Access Your Direct Deposits Sooner
Get your eligible ACH deposits before your regular payday
Ripco’s Early Deposit Service gives you the opportunity to access your paycheck or other qualifying ACH deposits before their scheduled posting date. When an incoming deposit is received early from your employer or benefits provider, you’ll have the option to post it to your account ahead of time - helping you manage bills, budgeting, or unexpected expenses with a little more breathing room.
It’s a simple way to put your money to work sooner, right from your It'sMe247 Online Banking or Mobile App.
How It Works
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Watch for Eligible Incoming Deposits: When we receive an ACH deposit early from your employer or payer, you’ll see it marked as Pending in your account.
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Choose “Post Now”: If the deposit qualifies, you’ll see a Post Now option. Select it to make the funds available before the scheduled effective date.
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Enjoy Earlier Access: Once posted, the deposit moves from pending to available, giving you access to your money sooner than your regular payday.
What to Know
- Early access depends on when we receive the deposit from the sender.
- Not all ACH deposits arrive ahead of the posted effective date.
- A small fee applies when you choose to post a qualifying deposit early.
- You can continue to use your regular deposit schedule if preferred.
Early Deposit puts you in control—use it when it helps, skip it when you don’t need it.
Open an account
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