Banks That Pay Two Days Early

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The ability to receive direct deposits early is an increasingly common benefit among digital banks, with brick-and-mortar banks also beginning to offer this feature. Banks that offer early payday or early direct deposits typically don’t require manually signing up for the service. In most cases, this perk is automatic when you set up direct deposit and doesn’t require a separate enrollment.

Top banks with early direct deposit

Bank accounts	Early direct deposit speed	Fee	Requirements	Learn more
SoFi Checking and Savings	Up to 2 days early	$0	Set up $1,000 or more in direct deposits every 30 days.	Go to site
Wealthfront Cash	Up to 2 days early	$0	Set up direct deposit. $1 minimum opening deposit required.	Go to site
Chime Checking Account	Up to 2 days early, or within 24 hours with MyPay	$0	Set up direct deposit. To access MyPay, set up $200+ qualifying direct deposits and have an activated physical Chime card. Must live in an eligible state.	Go to site
Varo	Up to 2 days early	$0	Set up direct deposit.	Go to site
Charlie Banking	Up to 3 to 5 days early for Social Security	$0	Set up Social Security direct deposit.	Go to site
OnePay Cash	Up to 2 days early	$0	Set up $500+ in direct deposits in a calendar month or have a total account balance of $5,000+ at the end of the previous month.	Read Review
Chase Secure Checking account	Up to 2 days early	$0	Set up direct deposit.	Read Review
Ally Spending Account	Up to 2 days early	$0	Set up direct deposit. Up to 8 early direct deposits are allowed per account per statement cycle, and each deposit must be $10,000 or less.	Read Review
Capital One checking	Up to 2 days early	$0	Set up direct deposit.	Read Review
Huntington Bank checking accounts	Up to 2 days early	$0	Set up direct deposit.	Read Review
Wells Fargo checking and savings accounts	Up to 2 days early	$0	Set up direct deposit.	Read Review
Cash App Card	Up to 2 days early	$0	Set up direct deposit.	Read Review
Found business account	Up to 2 days early	$0	Set up direct deposit. Early availability may not be guaranteed.	Read Review

• SoFi terms and conditions

  New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not receiveda cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 12/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.
  
  SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults)and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
  
  Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet
  
  We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.
  
  SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.
  
  We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.
  
  Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.
  
  Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at https://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.
  
  Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 3/30/2026. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.

How does early direct deposit work?

Normally, banks will hold on to your paycheck to process it before releasing the funds to you. But banks that include early direct deposit will deposit your money into your account before they’ve finished processing the funds from the sender, with no extra fees or effort on your part.

In short, early direct deposit allows you to get paid early because the bank provides the funds as soon as the payor gives the deposit information instead of waiting for the transfer to clear.

Typically, you don’t need to enroll in early direct deposit, either. If the bank offers it and you’ve set up direct deposit, it’s almost always an automatic perk without an extra enrollment step.

Early direct deposit example

Let’s say your payday falls on a Friday. Take a look at the differences in when you might recieve your paycheck with early direct deposit vs. without:

Day	Regular bank	Early direct deposit bank
Wednesday	⛔️ No activity	✅ Your bank recieves your payroll file from your employer and your paycheck is available.
Thursday	⛔️ No activity	✅ You can spend your money.
Friday	✅ Your paycheck is deposited into your account.	✅ Official payday, but you’ve already been paid.

How long does direct deposit take?

Direct deposit can take one to three days to clear. In nearly all cases, direct deposits don’t go through on weekends or holidays. Instead, the deposit will either be delivered the business day before the weekend or holiday or the following business day.

Do all banks offer early direct deposit?

Surprisingly, many large traditional banks such as Bank of America, PNC Bank and U.S. Bank still don’t offer early direct deposit. Local credit unions tend to lack this perk as well. If a brick-and-mortar bank offers early direct deposit, it may only be available for select accounts. For example, Chase Bank offers early direct deposit only on its Secure Checking account.

You are more likely to find early direct deposit with online banks such as Axos, SoFi® and Varo or fintechs like Chime and Current.

Are there any banks that pay three days early?

If you want your pay sooner than two days early, you’re probably out of luck. Nearly all accounts with early direct deposit can only send payroll up to two days early, with a few exceptions like Charlie Banking, which can send Social Security payments three to five days early.

Benefits of early direct deposits

There aren’t really cons to setting up early direct deposit. Here are the main benefits:

• Early access. When your paycheck lands in your account early, you can access the funds immediately.
• No fees. Early paycheck arrival doesn’t come with any fees, as it’s a complimentary service for setting up direct deposit.
• More than paychecks. In addition to getting paychecks early, tax refunds and stimulus payments might also arrive ahead of time.
• Save a little more. The sooner you can access your money, the quicker you can move some into a savings account to earn interest.
• No APR. Unlike payday loans and pay advance apps, early direct deposits don’t involve loans of any sort, so there’s never any interest.

Related: Benefits of using direct deposit

Early direct deposit: What’s the catch?

There’s really no “catch” to setting up early direct deposit. However, there are a few things to watch out for:

• Early direct deposit is not always guaranteed. This is because your bank can only release funds early if it gets an early notification from the provider of your direct deposit source. If this notification does not happen early, funds may not be available before payday.
• Early direct deposit still depends on when your employer processes payroll. For example, if payroll is processed late, funds may not be available two days early.
• Early direct deposit doesn’t give you access to more funds, it just speeds up when you recieve those funds. So it isn’t a solve for longer-term cashflow concerns.

3 alternatives to bank accounts offering early direct deposits

If you like the idea of getting paid early but don’t want to switch banks, there are other ways to get early access to your paycheck:

• Prepaid debit cards. Most prepaid cards, like the Netspend All-Access Account and the Flare Account, offer early direct deposits.
• Cash management accounts. Cash management accounts, or CMAs, offer a combination of banking and investing services, and some, such as the Wealthfront Cash Account, support early direct deposits.
• Payday advance apps. Cash advance apps such as Brigit, Dave and EarnIn can help you get your hands on some cash before your payday. But this isn’t a preferred alternative, as they have monthly fees and strict limitations regarding how much money you can access.

Bottom line

Early direct deposits are growing in popularity, and for good reason. This benefit has almost no drawbacks, as it can help you save or spend money on essentials sooner. But if none of these options support your needs, explore other bank accounts.

Frequently asked questions

Does SoFi pay two days early?

Yes, SoFi offers direct deposits up to two days early.

Does PNC pay two days early?

No, PNC does not currently offer early direct deposit.

Does Chase offer early direct deposit?

Yes, Chase offers direct deposits up to two days early.