Early Pay

Early Pay is a complimentary benefit available to Laurel Road Checking account members to access their qualifying direct deposit funds up to two days early. This feature is offered at no cost to you. For more information, click here.

No, you do not need to enroll in Early Pay. If you have a Laurel Road Checking account and have direct deposits set up, you are automatically enrolled in Early Pay.

Early Pay may be available for several types of direct deposit payments including payroll, Social Security, unemployment, and government benefits. Direct deposits that generally will not be eligible for Early Pay include tax refunds, bill payments, rent payments, and bank-to-bank transfers.

The detailed description about the Early Pay feature can be found in the Deposit Account Agreement and Funds Availability Policy document.

Yes, you will receive an email notification. You may also get a notification on your phone if you have notifications set up with the Laurel Road mobile app.

Account Management

If you see this message in Online Banking… Sorry, we’re having trouble pulling up your account right now. …it’s often for one of these common reasons:

  1. Your new account is still loading in our system.

Please allow some more time for your new account to load. Checking and Savings accounts can take up to 1 business day to appear in Online Banking. Student Loans, Credit Cards, Personal Loans, and Mortgage Loans can take 3 to 7 business days to appear. While we get your new account ready, use Online Banking to check out exclusive member discounts in Perks! and explore interactive tools in Financial Resources on https://www.laurelroad.com.

  1. You have no open accounts with Laurel Road.

Perhaps you had a Laurel Road deposit or lending account that has since been closed. Click here to view our account offerings and open a new account.

  1. Something else…

If your account is still not displaying, and you feel it should be at this time, please call our Premium Care Team at 1-833-427-2265 (Dial 711 for TTY/TRS).

We have designed our checking accounts with rewards that best fit the needs of our members. When you set up qualifying monthly direct deposits, such as your paycheck, we can provide you with extra benefits such as a student loan rate discount (with Laurel Road Linked Checking) or monthly cash rewards (with Laurel Road Loyalty Checking). To take advantage of these benefits, we recommend setting up recurring direct deposits, like your paycheck, to help you earn all your eligible rewards. You can still open and use our checking account without setting up direct deposits and still enjoy all the convenience and benefits of your digital checking account.

No, you cannot deposit cash directly into your Laurel Road Checking® account, however there are several ways you can add money to your account. You can deposit checks via our mobile app. And through online banking, you can set up an online transfer, direct deposit, or wire transfer to add funds to your account.  

You can order paper checks anytime through your online banking account, or by calling us at (833) 427-2265. For TTY/TRS (for the hearing impaired), please dial 711.

To request the addition of a joint account owner, please contact us at (833) 427-2265. For TTY/TRS (for the hearing impaired), dial 711. You can also visit Online Banking to add a co-owner to your checking account.

The availability of funds depends on the type of deposit you make and how it is deposited.

  • Same-day availability: Direct deposits of electronic payments (such as Social Security benefits and payroll), wire transfers received by 6:00 p.m. ET on a business day.
Next-Day availability: U.S. Treasury checks payable to you, wire transfers received after 6:00 p.m. ET on a business day will be available for withdrawal on the next business day. Exceptions There are a few exceptions that may delay your availability of funds. If we delay your ability to withdraw funds for any of these reasons, we will notify you and inform you when the funds will be available. Reasons for delay include:
  • We believe a check you deposit will not be paid.
  • You deposit checks totaling more than $5,000 on any one day.
  • You redeposit a check that has been returned unpaid.
  • You have overdrawn your account repeatedly in the last six months.
  • There is an emergency, such as failure of computer or communications equipment or other conditions beyond our control.
  • You are a new client with a checking account open for fewer than 30 days.
In case of a delay, your funds will generally be available for withdrawal no later than the fifth business day after your deposit. For more information, see our funds availability policy.    

You can view your checking account activity in the following ways:

  • Sign in to Online Banking
  • Use the Laurel Road mobile app (you must be enrolled in Online Banking)
  • Check your monthly statement online (you may request to receive statements by mail)
  • Call (833) 427-2265, or TTY/TRS (for the hearing impaired): dial 711.
 

Yes, you can pay your bills online with your Laurel Road Checking® account. With online bill pay, you don’t have to worry about writing paper checks, buying stamps, or going to the post office.

Laurel Road has also created a guide to help you through the process on how to enroll in direct deposit. Many workplaces have a company HR portal where you can easily update which bank account you use for your paycheck direct deposit completely online. Reach out to your company’s HR department if you need assistance. Click here if you need to download a printable direct deposit form. Laurel Road has also created a guide on how to switch banks to help you with the process.

You can add money to your account by depositing checks through online banking or our mobile app, or by setting up an online transfer or direct deposit.

Using Your Debit Card

No, there are no foreign transaction fees for using your Laurel Road debit card for any purchases or ATM withdrawals made outside of the U.S.

Yes. For your protection, you can withdraw up to $1,000 a day from ATMs.

Your debit card will be mailed to you automatically when you open your account. Your new Laurel Road debit card should arrive by mail within 7 business days.

You can search for over 40,000 no-fee ATMs nationwide through the ATM locator at www.laurelroad.com/ATM, or through our mobile app.

About

You can find detailed information about Laurel Road Checking account overdraft fees here, or by calling a member specialist at (833) 427-2265. For TTY/TRS (for the hearing impaired), dial 711.

Your routing number is the first nine digits located on the lower left-hand corner of your checks. You may also lookup your routing number by logging into your online banking account or by calling us at (833) 427-2265, or TTY/TRS (for the hearing impaired): dial 711.

Yes. The balance in your checking account is FDIC-insured up to the maximum allowable limit. Laurel Road is a part of KeyBank N.A. All single accounts owned by the same person at KeyBank N.A. are added together and insured up to the maximum allowable limit. To learn more, contact the FDIC toll-free at 1.877.ASK.FDIC (1.877.275.3342) or visit www.fdic.gov.

Laurel Road Checking® is an interest-bearing account. You can see the most updated interest rate for your Laurel Road Checking account here.