*If you are a Ridgewood Savings Bank checking or statement savings customer who has set up eligible direct deposit, you may be able to get direct deposit up to two days early with Ridgewood Savings Bank's Early Pay. Whether a direct deposit is eligible for Early Pay is at our discretion and we cannot guarantee that you will always receive the Early Pay service. The timing of when these transactions will be credited is based on when the payer submits the information to us.

**Eligible direct deposits are limited to payroll and government-issued social security payments. For payroll direct deposit, the payer must include "payroll" in their ACH memo. For Social Security direct deposit, the ACH memo must include "XXSOC SEC".

Early Pay service may be changed or terminated at any time.