Finder makes money from featured partners, but editorial opinions are our own. Advertiser disclosure

16 banks with early direct deposit

Your direct deposits could hit your account early with these bank accounts.

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.

All of these bank accounts allow you to get paid up to two days early with eligible direct deposits.

$0 overdraft fees

Go to site
  • $0 overdraft or monthly fees
  • Get paid two days early with direct deposit
  • Withdraw at any ATM in the world
  • Cash deposit in select locations

Easy mobile banking

Go to site
  • $0 monthly fees
  • Get paid two days early with direct deposit
  • $0 minimum balance requirements
  • Cash back offers on everyday purchases through the app

Up to $300 cash bonus

Go to site
on SoFi's secure site
  • 0.50% APY on checking balance
  • Up to 4.60% APY on savings
  • $0 account or overdraft fees
  • Get a $300 bonus with direct deposits of $5,000 or more

Banks that offer early direct deposit

BankSpeedHow to sign upAccounts w/ early direct deposit
SoFiUp to two days earlyAutomatically enrolled w/ direct deposit SoFi Checking and Savings or Samsung Money by SoFi account
Axos BankUp to two days earlyAutomatically enrolled w/ direct depositLimited to Axos Essential Checking account
Capital OneUp to two days earlyAutomatically enrolled w/ direct depositChecking accounts
Chase BankUp to two days earlyAutomatically enrolled w/ direct depositLimited to Chase Secure Banking℠
ChimeUp to two days earlySign up with Get Paid Early feature in the appLimited to Chime Checking account
CurrentUp to two days earlyAutomatically enrolled w/ direct deposit Current account
DiscoverUp to two days earlyAutomatically enrolled w/ direct depositChecking, savings, money market accounts (excluding IRA savings)
Fifth Third BankUp to two days earlyAutomatically enrolled w/ direct depositFifth Third Momentum Checking accounts only
FoundUp to two days earlyAutomatically enrolled w/ direct deposit Found business bank account
GO2bankUp to two days early, or up to four days early for government benefitsAutomatically enrolled w/ direct depositGO2bank hybrid account
Huntington National BankUp to two days earlyAutomatically enrolled w/ direct depositChecking accounts
LiliUp to two days earlyAutomatically enrolled w/ direct deposit Lili business accounts
NationwideUp to two days earlyAutomatically enrolled w/ direct depositDirect Checking, Interest Checking, and My Checking accounts
Regions BankUp to two days earlyAutomatically enrolled w/ direct depositAll checking, savings, money market accounts, and the prepaid Now Card.
Wells FargoUp to two days earlyAutomatically enrolled w/ direct depositChecking and savings accounts
VaroUp to two days earlyAutomatically enrolled w/ direct deposit Varo Bank account
OneUp to two days earlyAutomatically enrolled w/ $500+ direct deposit One account

One is a financial technology company, not a bank. Banking services provided by Coastal Community Bank, Member FDIC.
5.00% APY: 5.00% annual percentage yield (APY) applies to the primary Savings pocket and custom pockets of customers who either (i) received $500 or more of eligible direct deposits in the previous month or (ii) have a total daily account balance of $5,000 or more. Customers can also earn 5.00% APY on Pay Autosave and ONE@Work Save balances. In all instances 5.00% APY is limited to a total Savings balance of up to $250,000. All other Savings balances will earn 1.00% APY.
APYs are as of 2/7/2024, but may change at any time before or after account opening. Fees may reduce earnings on this account.
ATM: Allpoint Network ATM transactions are fee-free for accounts with eligible direct deposits totaling at least $500 in the previous month. For all other ATM transactions the One ATM Fee will apply and third-party ATM fees may be incurred.
3% at Walmart: To receive 3% cash back, eligible customers (at the time their purchase settles) must (i) have received $500 or more of eligible direct deposits in the previous month, or (ii) have a total account balance of $5,000 or more. 3% cash back is limited to up to $50 per year and applies only to purchases made at U.S. Walmart locations and on Walmart.com. This promotion may not be combined with other One promotions that offer cash back on purchases at Walmart. Terms apply.
Free Walmart Withdrawals: Use your One card at any Walmart Money Center, cashier, or Customer Service desk to deposit or make a cash withdrawal for free.

How early direct deposit works

Normally, banks will hold on to your paycheck to process it before the funds are released to you. But banks, neobanks and fintech companies that include early direct deposit features are willing to deposit your payroll payment into your account before they’ve finished processing the funds from your employer — with no extra fees or work on your part.

This means getting your paycheck a few days earlier than what was scheduled, because the bank provides the funds as soon as the payor gives the deposit information instead of waiting for the transfer to clear.

Do I need to enroll in early direct deposits?

In most cases, you don’t need to enroll to get early direct deposits. It’s usually an automatic feature included as part of the account. But there are exceptions like Chime, which requires you to opt in to early direct deposit payments by choosing the feature Get Paid Early in the app.

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 have instant access to the funds.
  • 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 have access to your money, the more quickly you can move some of it into a savings account to start earning 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 to pay.
A photo of Alexa Serrano Cruz, CAMS

Timely direct deposits depend on employer's payroll processing

How early you get your direct deposit also depends on how fast your employer or the payor processes your payment. For instance, if your employer processes payroll on the 12th for a deposit on the 15th, you'll likely get your paycheck on the 13th. But if your company processes payroll on the 14th, you might not get your paycheck early at all. Direct deposits also don't arrive on weekends or federal holidays.

— Alexa Serrano Cruz, CAMS, Lead Editor, Personal Finance.

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 Netspend All-Access Account and 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 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 prior to 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 there’s a good reason why. There are almost no drawbacks to this benefit, 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.

Holly Jennings's headshot
To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.
Michael Benninger's headshot
Staff writer

Michael Benninger is lead editor of banking at Forbes Advisor and a former writer at Finder, specializing in banking. His work and analysis has been featured in Business Insider, Yahoo Finance, GoBankingRates and the Los Angeles Times, among other top media. He holds a B.A. in business administration and marketing from Rowan University in New Jersey. See full bio

Michael's expertise
Michael has written 45 Finder guides across topics including:
  • Kids’ banking products
  • Cash management accounts
  • Fintechs and neobanks
Bethany Hickey's headshot
Co-written by

Editor, Banking

Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

Bethany's expertise
Bethany has written 393 Finder guides across topics including:
  • Personal finance
  • Banking
  • Auto loans
  • Insurance
  • Cryptocurrency and NFTs

More guides on Finder

Ask a Question

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site