Direct deposit change - SPIRE Credit Union 2025

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You can find big and small traditional banks, online banks, credit unions and neobanks that all offer early direct deposits. Heres a breakdown of these types: Banks are for-profit institutions whose accounts are federally insured through the Federal Deposit Insurance Corp.
Yes, you can switch direct deposit accounts before payday. Keep in mind that if you change the direct deposit close to payday, the change might not be registered in the system. This could lead to a delayed payment or payment in the old bank account.
You always have the option to choose direct deposit or stop direct deposit. You can update your direct deposit information there, if you have changed banking institutions.
If you wish to switch a direct debit from one bank to another you would need to contact the originator of the funds to ensure they have the correct and most up to date account details.
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