MyPayNow - East County Schools Federal Credit Union
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MyPayNow

Early Access to Earned, Unpaid Wages

Your money when you want it.

MyPayNow provides on-demand, near real-time access to your earned wages.

Available to contracted employees of participating districts, it is

  • not a loan: no credit check, no credit reporting
  • has no hidden fees nor interest charges
  • has no cost to sign up nor use

Avoid unfair fees from lenders and other financial institutions with MyPayNow.

Near Real-Time Access and Flexibility

You can request up to $1,000 of your earnings, up to the amount of your monthly direct deposit, to ECSFCU, credited to your East County Schools Federal Credit Union eChecking account.

One Benefit, Many Services

Full access to all MyPayNow services is included. Use these services to help you navigate your financial goals: learning resources, financial counseling, budgeting and savings. All who are enrolled can also access prescription discounts.

MyPayNow is a product exclusively offered by East County Schools Federal Credit Union and powered by PayActiv.

 

 

Frequently Asked Questions

How does it work?

MyPayNow allows you to access your earned but unpaid wages between paychecks, one time each pay period. The money that you access is then debited from your ECSFCU eChecking account on your next payday, giving you the flexibility to pay for things on your own schedule.

How do I sign up?

Open an ECSFCU eChecking account. If you don't have one already and set up direct deposit of at least the amount you might elect to access. $100 minimum direct deposit is required. Remember, if you will be electing to access the maximum of $1,000, you will need to direct deposit at least that amount each pay period to your eChecking.

Download the PayActiv App from the App Store or Google Play Store and create an account. All you need when creating an account is your name, phone number, employer name, your employee ID and your 14 digit ECSFCU eChecking account MICR # or the last 4 digits of your ECSFCU debit card. After creating your account, you will see the MyPayNow home screen.

You will be eligible to access your pay once you have completed at least one direct deposit to your ECSFCU account.

Where do I find my employee ID?

Check your pay stub or ask your supervisor.

How do I pay back funds?

Funds access using MyPayNow are debited from your ECSFCU eChecking account on payday.

I worked today. Why isn't the accessible amount showing?

It might be the first day or the last two days of your pay period. If not, this shouldn't happen. Please contact the PayActiv support team so we can assist you right away.

How long does it take to get Earned Wage Access funds?

MyPayNow accessed wages can be requested to your ECSFCU eChecking account 24/7/365. Funds are transferred within the hour.

What's the catch?

There is no catch! ECSFCU operates a "School Employee Benefit Business Model" and this is just one example of the difference we make for our East County school employees. After all, it's your money.

Download the PayActiv App to get started

  • 24/7 Online Chat Support 1.877.937.6966
  • www.payactiv.com/help
  • support@payactiv.com
  • Call our ECSFCU branch office at 619-588-1515 during regular business hours of 9am-5pm

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Members LoveECSFCU!

  • ECS-logo

    From the beginning of the process to the day of funding, Suzy and her assistant, Lance, were exactly what anyone would hope for when refinancing their home. They responded to all my questions with patience and in a timely manner. They let me know what to expect and when to expect it every step of the way. I couldn't be more pleased with the service I received. Thank you Suzy and Lance for making this so easy!

     

    Elissa Ellis-MacLeod, on her ECSFCU home refinance
  • ECS-logo

    My Loan Officer, Mireya, is truly an asset to ECSFCU. She is competent, articulate, sweet and compassionate. When there was an error in the payoff of my car, Mireya personally took a credit union check and drove it to the dealer to correct it, the same day. We are thankful for the time and effort she put into this important transaction.  That’s customer service, and she is leading the pack!

     

     

    Jack Charles, Grossmont High School District, retired
  • Kevin Miller original headshot-01

    Kevin Miller likes to connect good people to great resources. He’s been an enthusiastic fan of East County Schools Federal Credit Union since 2013 when we were known to the education community as Grossmont Schools Federal Credit Union, more than five years ago. “Every person I’ve referred to ECSFCU has raved about the lower rates, better terms and great treatment they get.” From 4.00%APR eChecking to amazing auto loan rates to 0% interest classroom loans, he says, “There has never been a dropped ball or bad experience for anyone I’ve ever referred to ECSFCU.”

    Kevin Miller - Administrative Pastor of Foothills Christian Church
  • Cathy Sprecco with Koala - Australia 2015

    I had a fantastic trip to Switzerland and Austria this past summer with East County Schools FCU and the SD East County Chamber of Commerce. This was my 6th trip with this fun group! The Educator Tour, guided by the infamous Steve Devan, is the perfect way to truly see and experience any country. The train ride through the Alps was a personal favorite and such an amazing experience. Seeing and hearing cows and goats with real bells grazing on the side of the mountains made me want to sing a favorite "Sound of Music" song and look for Heidi or her grandpa around every turn! I really felt immersed in the culture. The extra servings of warm apple strudel helped too!

     I am a single traveler and all worries are put aside on these well-coordinated trips. Almost everything is taken care of for the travelers so I always feel spoiled! The fellow Educator Tour travelers that I have met from other districts and other walks of life have become my life-long friends! These trips are so dear to me that I have a separate savings travel account where I dedicate a small monthly amount to be ready for the next country!

    Come join us!

    Cathy Sprecco - First Grade Teacher in Lakeside Union School District
  • Grant Nelson 2019

    When I became an ECSFCU member, I immediately refinanced my house and got better rates for two cars. East County School employees who are just starting out, this is the best place to be! ECSFCU can help you secure your financial life.

    Grant Nelson - 8th Grade History Teacher in La Mesa Spring Valley Schools
  • Grant Nelson 2019

    While overseas I found myself in the frightening situation of being out of cash and with two debit cards from other financial institutions that weren’t working, despite my travel notice pre-planning. ECSFCU’s amazing member services team stayed late on a Friday to approve and immediately fund a quick loan that made the rest of our trip wonderful. Nobody else does that! Not only is it something that I will never forget, but it’s something I want to tell everyone about.

    Grant Nelson - 8th Grade History Teacher, La Mesa Spring Valley Schools
  • Marcel Becker testimonial
    What mattered to me, was that I needed the money to buy a motorhome, and I needed it now. This is the fastest I've ever experienced for a loan. It's never been this easy or this pleasant and I could tell that this was simply the way ECSFCU serves all of their members; it's their culture. I wasn't a member when I started, but I am now.
    Marcel Becker - General Manager, Trident Maritime Systems and Career Technical Education and Ethics in Business partner with GUHSD
  • Todd Linke IMG_4888 no wording cropped
    After financing a newly purchased truck with ECS, Todd wrote: Thank you for your efficient and friendly service! I always appreciate the "small bank" customer service, but the "big bank" options!
    Todd Linke, Mount Miguel HS Science Department
  • Karl Danielson 2018
    I've bought three cars through the credit union. They make it very easy, very simple, and you can't beat the interest rate. I highly endorse them, their friendly staff, and the service that East County Schools gives its members!
    Karl Danielson Granite Hills HS Television, Film and Digital Media Teacher
  • ECSFCU is big enough to approve loans with great rates and small enough to provide personal service and products that are important to the educational community.
    Randy Montesanto Grossmont Union High School District
  • We bank with East County Schools Federal Credit Union and learned they also have a great car buying service! We decided to look into it and ended up with the best customer service, an amazing price, no hassle of going to the dealership, and a brand new 2017 Honda Accord Sport! A year later, we were in need of another car for our growing family. It was an easy decision to go with the credit union and New Cars Inc again. The process and customer service didn’t disappoint once again, and we love our new 2018 Honda CRV! A big thank you to New Cars Inc and ECSFCU!
    Carly and Luke Esquerra