Early Direct Deposit Banks: Get Paid 2-3 Days Faster | [Bank Name]

Waiting for payday to come isn’t easy, especially when you’re paid biweekly and have bills to pay. However, you can get paid early by banking with a bank that offers early direct deposit.

Instead of holding your money for two days, the bank will put it directly into your account once your employer’s payroll department sends out the funds. This means the money arrives in your account sooner, and you get your paycheck early, so you can pay bills and even invest that money.

Get Paid 2-3 Days Faster at These Top 10 Online Banks

Ready to get paid early? To get started, you’ll need to find a bank account that offers early direct deposit. Below are the top ten banks to consider.

Other Banks to Consider to Get Paid Early

While these checking accounts didn’t make our top 10, here are 23 other checking and prepaid debit card accounts with early direct deposit that allow you to get paid sooner.

• Ando Spending
• Andrews Federal Credit Union
• BlueBird Prepaid Visa or American Express
• Capital One 360 Checking
• CARD.com Prepaid Visa
• Cheese Account
• Citizens Bank
• Credit Karma Money Spend
• Current Premium Personal Checking Account
• Douugh Banking
• EFCU Financial
• Fifth Third Bank

• Freedom First
• GoBank Checking Account
• GTE Financial Full Access Checking Account
• Huntington Bank
• LendingClub Rewards Checking Account
• One Account
• OneUnited Bank Checking Account
• Oxygen Account
• Porte Account
• Radius Bank
• Wealthfront Cash Account

Finding the Right Bank

When choosing the best bank with early direct deposit, be sure to consider factors like monthly and overdraft fees, minimum balances, and whether you’re most comfortable with online banking or a bank with a local branch.

Frequently Asked Questions

Does direct deposit always come early?

Standard direct deposit doesn’t come early. Employers deposit the money into your account on payday. Early direct deposit can get you your money up to two days early, and government benefits and tax refunds may come even earlier than that. Exactly when the money arrives depends on when your employer processes payroll. Holidays can also affect when your paycheck is deposited.

How can I get my direct deposit early?

Several banks, credit unions, prepaid debit cards, and apps offer early direct deposits. You can get paid early if you set up direct deposit with your employer and have one of these accounts.

How do banks process paychecks early?

While any bank is capable of getting you your paycheck up to two days early, most of them don’t because they make more money by holding on to them. However, more and more banks are willing to advance the funds to you knowing that they will be reimbursed shortly after.

Does Bank of America do early direct deposit?

No, Bank of America doesn’t currently offer early direct deposit or an option to get paid early.

Does Chase do early direct deposit?

No, Chase doesn’t currently offer an option to get paid early. Direct deposits are available on the same business day they’re made.

Does Wells Fargo do early direct deposit?

No, Wells Fargo doesn’t currently offer the early direct deposit feature. However, they expect to be providing this service soon.

^[1] The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of July 13th, 2022. No minimum balance required. Must have $0.01 in savings to earn interest.