Class Act posts your direct deposits early!
Our members asked, and we listened! Since October 1, 2025, Class Act has implemented early posting of ACH Credits to member accounts.
What does this mean for you?
- All ACH Credits (such as payroll deposits, tax refunds, and other incoming electronic deposits) now post to your account as soon as we receive them, regardless of the settlement date!
- We will no longer hold ACH Credit files in the warehouse until the scheduled posting date.
For example: if we receive an ACH Credit on 12/20 with an effective date of 12/25, it will also post on 12/20* once our ACH files run. Since we run files throughout the day, ACH credits may post at different times.
*Please note:
We cannot provide a specific time of day that an ACH Credit will post. The timing depends on when the originating financial institution sends the file to us. Once we receive the file, the credit will be included in the next scheduled ACH run and post to your account. Since we operate on business days, deposits received late in afternoon, weekends, or federal holidays can affect the day and time you receive your check.
As a member owned financial cooperative, we at Class Act strive to be responsive and cognizant to your needs, and Early Posting is our newest way to make your banking experience even better. We hope this change has made your 2026 better!