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- You could get your paycheck into your account up to two days early with several banks.
- Other institutions make money by holding onto your paycheck longer to earn interest on the funds.
- Early direct deposits give you quicker access to your money and may let you earn interest sooner.
Direct deposit is the fastest way to get your paycheck into your checking account. Some of the best checking accounts make this process even faster by implementing early direct deposit features.
Early direct deposit can effectively get your paycheck into your checking account up to two days early. Below, find 33 accounts that offer this service, and an explanation of how they can do it and why it can be smart to take advantage.
Bank accounts with early direct deposits
1.Capital One 360 Checking - Product Name Only
2.Axos Bank Essential Checking
3. Ando Spending Account
4. Chime Spending Account
5.Ally Interest Checking Account
6.Albert Cash Account
7. Chase Secure Banking℠ - Product Name Only
8. Andrews Federal Credit Union Online Checking Account
9. Credit Karma Money Spend Account
10. Current Account
11. Dave Spending Account
12. Dora Financial Everyday Checking Account
13. Fifth Third Bank Momentum Checking Account - Product Name Only
14. Greenwood Spending Account - Product Name Only
15. GTE Financial Full Access Checking Account
This credit union has four checking accounts, including one for students.
16. Huntington Bank Perks Checking
17. Classic Checking Account - Brand + Name
18. LendingClub Rewards Checking Account - Product Name Only
19. Navy Federal Free Active Duty Checking™ Account
20. One Account
21. Porte Account
22. Regions Bank LifeGreen® Checking Account
23. Revolut Account
24. Service Everyday Checking Account - Product Name Only
25. Simmons Bank Coin Checking Account
26. SoFi Checking and Savings
27. Spruce Spending Account
28. Truliant Truly Free Checking Account - Product Name Only
29. USAA Classic Checking - Product Name Only
30. Varo Bank Account
31. VyStar Credit Union Free Checking Account - Product Name Only
32. Cash Back Checking Account - Brand + Name
33. Wealthfront Cash Account
Bank accounts with early direct deposit FAQs
How does 2-day early direct deposit work?
Kate Wauck, Vice President of Communications for Wealthfront, told Insider that banks usually take a few days to process paychecks because they are double-counting deposits. During this time, banks can interest. Some banks may choose to speed up the process, however, and process your paycheck more quickly.
What are the benefits of early direct deposits?
Early direct deposits have two main perks. You'll faster access to your money and you can start earning interest on your money sooner if its deposited in an interest-earning bank account.
Does Chase offer 2-day early direct deposit?
Yes,
Does Wells Fargo deposit 2 days early?
Yes, Wells Fargo checking accounts offer early direct deposits.
Why didn't my direct deposit come 2 days early?
Your direct deposit may not always be available 2 days early. The day you'll receive a direct deposit may vary, depending on when your bank gets the payroll deposit from your employer.