Top 10 Early Direct Deposit Banks: Get paid early up to 3 days faster


Get paid up to 2 or 3 days faster with early direct deposit banks. Plus, paydays make people happier than Christmas according to a 2018 Quickbooks PayrollSurvey.

Direct deposit is the easy way to have paychecks deposited electronically into your checking account. Other income such as social security, retirement, and employment benefits also qualify for early direct deposit.

Early direct deposit banks now offer a benefit many prepaid debit cards have offered for many years.

Most banks wait until payday to give you access to your money even though employers typically process payroll a few days before payday.

Early direct deposit banks immediately make your funds available as soon as the bank receives the notification from the Feds instead of holding on to your money until your official pay date from your employer.

10 Online Banks With Early Direct Deposit

Online banks that offer early direct deposit give you access to your funds up to two or three days early so you don’t have to wait to pay off expenses or struggle at the end of a pay period.

1. Chime Spending Account

The Chime Spending Account allows customers to get their direct deposit up to 2 days early. Chime does not charge monthly fees or overdraft fees. Another place Chime shines is its SpotMe feature that allows you to overdraft your account up to $100 with no fees.

Open a savings account along with the checking account and earn 0.50% APY on your Savings Account. That’s 16x the national average.

Chime Spending Account Features

  • Minimum opening deposit $0.
  • Get paid up to 2 days early with direct deposit.²
  • No hidden bank fees.
  • No monthly maintenance fees.
  • Grow your savings automatically while earning 0.50% APY.
  • No overdraft or non-sufficient funds fee.
  • Access cash at 38,000+ fee-free ATMs.

2. OneUnited Bank

All OneUnited Bank checking accounts feature early direct deposit. OneUnited Bank is a full-service online bank available in ALL States with branch locations in California, Florida and Massachusetts. OneUnited Bank also offers a second chance checking account if you need a fresh start at traditional banking.

Deposit cash at over 90,000+ retailers nationwide, including Walmart, 7-Eleven, CVS, Dollar General, Rite Aid, and Walgreens.

Checking Account Features

  • Get paid up to 2 days early with direct deposit.
  • No fee with a monthly direct deposit and 10 card purchase transactions*.
  • Minimum opening deposit of $50.
  • Free Bill Pay, Online & Mobile Banking.
  • ATMs Nationwide – 32,000 surcharge-free ATM locations available to customers across the nation.

3. Account – $50 Bonus is a Prepaid Visa issued by Bancorp Bank. With direct deposit, you can get paid up to 2 days early. Loading cash is easy with Reload at the Register. Just bring your card and cash directly to the register at over 90,000 participating retail locations. This account accommodates people with bad credit because there is no credit check or ChexSystems to open.

Get a $50 Bonus when you sign-up for direct deposit with a $200 deposit or more of a payroll check or federal benefits within 60 days of account opening. Account Features

  • Minimum opening deposit $0.
  • Get paid up to 2 days early with direct deposit.
  • No monthly fee with direct deposit of $1,000.
  • 32,000 Fee-Free MoneyPass® ATMs.
  • Load cash at 7-Eleven, Western Union, Walmart, Walgreens, Dollar General, Rite Aid, Ralphs, Krogers, and many other participating retailers.
  • Transfer funds from a virtual wallet such as PayPal or Google Wallet.
  • No overdraft or non-sufficient funds fee.
  • Stay up-to-date with Rapid Text Alerts.

4. Axos Bank

Axos Bank is headquartered in San Diego, CA, and has more than $12 billion in assets. Named 31st in Forbes “America’s Best Banks” list for 2020, Axos Bank accounts are available online in ALL States. Open the Essential Checking Account and get paid up to 2 days early with direct deposit.

Essential Checking Account Features

  • Get paid up to 2 days early with direct deposit.
  • $25 required to open the account.
  • No minimum balance and No monthly service charge.
  • Make Unlimited Withdrawals From Any Domestic ATM for Free.
  • No Overdraft or Non-Sufficient Fund Fees.
  • Free online bill pay.

5. Radius Bank

Radius Bank customers get paid early with direct deposit. Radius Bank is a full-service online bank, with one branch in Boston. Radius Banks features ATM fee reimbursements, high-interest rates, and a Rewards Checking account where you can earn Up to 1.5% Cash Back. If your balance hits $2,500, a 0.10% annual percentage yield kicks in.

Radius Rewards Checking Account Features

  • Minimum opening deposit is $100 that must come from an external bank account. That means you must have an existing bank account in your name.
  • You can receive your paycheck up to 2 days early.
  • Earn Up to 1.5% Cash Back.
  • Unlimited automatic ATM fee rebates.
  • Earn up to 0.10% APY.
  • No monthly maintenance fee.

Money when you need it - All credit types welcome!

6. GTE Financial

GTE Financial Credit Union offers early direct deposit and is available to people in all states. GTE Financial has been serving the Florida area since 1935 with 23 locations and over 30,000 FREE ATMs as one of the nation's largest credit union memberships.

When applying online use referral code E599076ICB and get a $100 sign-up bonus with promo code CHECK100.

GTE Financial Checking Account Features

  • Get paid up to 2 days early with direct deposit for $3.00
  • $4.95 monthly service fee.
  • Online & Mobile Banking Tools.
  • Free Bill Pay Service.
  • Popmoney to transfer money to friend and family using their email address

7. Current Premium Personal Checking Account

Current Premium Personal Checking Account is only available as a mobile banking app. The checking account comes with a Visa debit card and has no overdraft fees. The monthly service fee is $4.99 plus customers can get paid up to 2 days early with direct deposit.

Current Premium Personal Checking Account Features

  • Minimum opening deposit $0.
  • Get paid up to 2 days early with direct deposit.
  • Monthly service fee $4.99.
  • No overdraft fees.
  • No minimum balance.
  • Gas holds instantly credited.
  • Free cash withdrawals
  • Mobile check deposit

Learn More

8. Varo Checking Account

Varo Checking Account is online bank account with no minimum balance. Varo is a no-fee digital bank account that doesn’t charge fees. If you enroll in direct deposit, you could receive your paycheck or benefits up to two days early.

Varo Checking Account Features

  • Minimum opening deposit $0.
  • Get paid up to 2 days early with direct deposit.
  • No monthly fees.
  • No overdraft fees on overdrafts up to $50.
  • No foreign transaction fees.
  • No fees at 55,000+ Allpoint® ATMs in places you already shop.

Learn More

9. GoBank Checking Account

GoBank Checking Account is a mobile bank account that offers a simple checking account with an early paycheck feature if you have direct deposit. GoBank's award-winning App
lets you check your balance in real-time without going through the hassle of logging in.

GoBank Checking Account Features

  • Minimum opening deposit $20.
  • Get paid up to 2 days early with direct deposit.
  • Get your government benefits up to 4 days early.
  • Online and paper checks available.
  • $8.95 monthly service fee.
  • $4.95 fee for depositing cash at a participating retailer
  • $3 out-of-network ATM fee

Learn More

10. Bluebird by American Express Prepaid Card

Bluebird is not a bank account and is not issued by a bank. American Express partners with Walmart to offer the Bluebird by American Express card. You can refill your Bluebird account at Walmart for free, and at thousands of other locations for a small fee. T

The Bluebird mobile app allows you to track your card balance, pay bills, and add money to your account. Use your Bluebird by American Express card virtually anywhere American Express is accepted.

Bluebird by American Express Prepaid Card Features

  • Good for people who want a simplified checking account with little to no fees.
  • Get your paycheck up to 2 days faster with Direct Deposit.
  • Send money to anyone from anywhere for as little as $4.
  • No credit check – easy approval.
  • No foreign transactions fee.
  • $0 annual fee.
  • Offers simple account management tools and services.

Learn More

How banks process early direct deposits

Any bank can deposit your paycheck up to two days early if they choose. But instead, most banks hold your money until your pay date in order to make money from it. That's because banks can earn interest on your deposit.

Here's what happens when banks do not hold onto your direct deposits.

  • The employer submits payroll files to the Federal Reserve to start the direct deposit process.
  • The Federal Reserve notifies your bank of the amount of money you should receive with that deposit post.
  • The bank deposits your money in your bank account as soon as they receive the direct deposit notification which can be up to 2-3 days earlier than your scheduled payday.
  • For instance, if your normal paydays are on Friday, the bank will get the alert from the Federal Reserve on Wednesday and direct deposit your paycheck that day.

Stay on top of your bills with early direct deposit

With early direct deposit, you can get your paycheck before the month is up to pay necessities like rent, utilities and cell phone bill – all these essential expenses tend to accumulate at the end of the month. Early direct deposit can prevent you from paying late fees or worse, paying overdrafts that can add up quickly.

Boost your savings with early direct deposit

With early paychecks, if you normally get paid on Fridays, you could see your paycheck by Wednesday. Getting your money earlier means more money to set aside for saving, whether it’s for a large purchase or for an emergency fund. To reach your goals faster, open a high-interest savings account.

Side-hustles that pay you the same day

Another way to get your paycheck early is with a side-hustle. The COVID-19 pandemic has shown many people that having an additional income stream is essential to financial stability.

Side-hustles can be a viable way to generate a passive income, get out of debt, fatten your savings and in some instances become your main source of income.

But, there’s another benefit to some side-hustles ⏤ Companies that let you cash out the same day you put in your hours.

Here are some side-hustle options that let you get paid early and withdraw your wages the same day you worked.

1. DoorDash. If you don't mind delivering food to people then sign up to be a DoorDash food delivery driver. Drivers enjoy flexible hours and the ability to get paid the same day. Once you've been a DoorDash driver for 2 weeks plus made 25 deliveries,  you become eligible for the Fast Pay system. This allows you to request your earnings immediately, paid to your debit card, for $1.99 per transaction. Learn more.

2. GigWalk. One of the easiest ways to earn extra cash and get paid the same day is through GigWalk. Sign up to work where you want and when you want. As a Gigwalker, it’s your job to assess a particular product or store’s retail experience and report it through the app. Once your account is approved, you can begin selecting gigs to complete for extra cash. Gigwalk links to PayPal, so once a job is finished and approved, the money is sent directly to your personal account. Learn more.

3. Instacart. Every day is a payday with Instant Cashout. Instacart shoppers can choose to get paid the same day you work. Shoppers purchase items and deliver them as well. Or you can sign up to become an in-store shopper who hands the items over to the customers right after paying for them. Instacart shoppers normally get paid once a week but if you want to get paid on the same day it will cost $0.50 per transaction and the limit is five cashout a day. Learn more.

4. Lyft. Work as a Lyft driver whenever you like plus request an immediate payout through Express Pay. With Lyft’s Express Pay, you can withdraw your earnings (max $3,000 a day) as many times as you want but each transaction will cost you $0.50, once you've earned at least $50 on the platform. Learn more.

5. Uber. Drivers can get paid when they want with Uber's cashout feature that lets you get paid up to 5 times a day at $0.50 fee per cashout. There are no minimums on how much money you can withdraw at one time. If you decide to open a GoBank account and have a Uber Visa Debit Card, you can request a payout up to fives times a day for free. Learn more.

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