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.

Earn up to 4% APY


  • No credit check required to apply
  • No monthly fees or minimum deposit
  • Build credit plus earn up to 4% APY
  • $50 referral bonus

Early direct deposit


  • $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


  • $0 monthly fees
  • Get paid two days early with direct deposit
  • $0 minimum balance requirements

Banks that offer early direct deposit

BankSpeedHow to sign upAccounts w/ early direct deposit
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 Checking account
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 depositCurrent 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 depositFound 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 depositLili 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.
SoFiUp to two days earlyAutomatically enrolled w/ direct depositSoFi Checking and Savings or Samsung Money by SoFi account
Wells FargoUp to two days earlyAutomatically enrolled w/ direct depositChecking and savings accounts
VaroUp to two days earlyAutomatically enrolled w/ direct depositVaro Bank account

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, Senior 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.

More guides on Finder

Ask an Expert

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