Abstract: A method performed by a server executing an algorithm to render early access to a paycheck to a customer through funds advance. The method including the steps of determining customer's eligibility in a financial institution for early access to paycheck and an approved amount (or a percentage) of the at least one paycheck based on decisioning criteria and customer's recurring direct deposit transactions data. The decisioning criteria may evaluate a reoccurrence and a deposit amount of at least one direct deposit, a direct deposit periodicity and an average monthly or daily account balance. The direct deposit transactions data may include mining transaction description such as text information on the at least one direct deposit to verify authenticity of the customer's data on the at least one direct deposit.