Top 10 Early Direct Deposit Bank Accounts

Get paid early up to 2 or 3 days to get a jumpstart on saving money, paying essentials like rent, utilities, or cell phone.
get-paid-early

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 – $25 Welcome Bonus

Chime-early-paycheck

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 $200 with no fees.

Chime Bonus

Receive a qualifying direct deposit of $200+ by October 1, 2021 and you'll earn a $25 Chime bonus!

What time does Chime direct deposit hit

Depending on your employer, Chime direct deposits hit your account by 9:00 AM eastern time. If deposits are processed fast enough, you could potentially get your direct deposit up to 2 days early with Chime.

Chime Savings Account

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.
  • No hidden bank fees.
  • No monthly maintenance fees.
  • Grow your savings automatically while earning 0.50% APY.
  • No overdraft or non-sufficient funds fee.
  • 60K+ fee-free ATMs˜ at locations like Walgreens, 7-Eleven, CVS, and more

2. LendingClub Bank

lending-club-bank

LendingClub Bank customers get paid early with direct deposit. LendingClub Bank is a full-service online bank that features unlimited ATM fee reimbursements, interest-earning, and rewards checking where you can earn up to 1.5% cashback. Open your account completely online with a minimum deposit of $100 that can be funded via debit card, prepaid card, or transfer from an existing bank account.

Rewards Checking Account Features

  • Minimum opening deposit is $100 that can be fund via debit card or prepaid card.
  • You can receive your paycheck up to 2 days early with direct deposit.
  • Earn Up to 1.5% Cash Back.
  • Unlimited automatic ATM fee rebates.
  • Earn up to 0.10% APY.
  • No monthly maintenance fee.
  • Our US-based Customer Service is available by your channel of choice: chat, phone or email.
  • Your deposits are FDIC-insured up to $250,000 per depositor.

3. OneUnited Bank

early-paycheck
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.

4. Oxygen Mobile Banking

oxygen-mobile-banking
The Oxygen Account allows customers to get their direct deposit up to 2 days early. With the Oxygen checking account there are no monthly, no minimum balance requirements or ACH fees to hold you back. Banking services provided by The Bancorp Bank, Member FDIC.

Oxygen Account Features

  • Get paid up to 2 days early with direct deposit.
  • Earn cashback on everyday purchases at approved merchants.
  • Earn a 0.25% Annual Percentage Yield on balances of $20,000 or less..
  • Virtual cards. Enjoy the power to create single-use cards that mask your debit card details. Even send money to friends.
  • Cell phone and travel insurance, PriorityPass™ Lounge Access, Netflix / Peloton digital reimbursement, and more.

5. Aspiration Spend Account – $150 Welcome Bonus

Aspiration-early-direct-deposit

The Aspiration Spend Account allows customers to get their direct deposit up to 2 days early. With the Aspiration basic checking account, you pay zero monthly maintenance fee or choose to pay Aspiration each month what you think is fair. New customers get a $150 bonus when they open an account and spend $1,000 in the first 60 days.

Aspiration Spend Account Features

  • Minimum opening deposit $10 but you will need an existing bank account to fund this account.
  • Get paid up to 2 days early with direct deposit.²
  • Up to 10% cash back on debit card purchases.
  • No monthly maintenance fees.
  • Unlimited fee-free withdrawals at over 55,000 ATMs.
  • No overdraft or non-sufficient funds fee.
  • $100 new account bonus when you spend $1,000 in the first 60 days.

6. Douugh Banking


Douugh Banking has the same features as a regular checking account but without the fees. Get your paycheck up to two days early plus, easily manage your money with jars to sort your money into categories like food or rent. The Douugh jar system is similar to the former Simple banking “Goals” feature that allowed you to sort your money.

Douugh Banking Features

  • More than 38,000 ATMs in the MoneyPass ATM network.
  • Minimum opening deposit $0.
  • Get paid up to 2 days early.
  • Debit Mastercard
  • FDIC insured up to $250,000.

7. Go Further Checking – 50 Welcome Bonus

credit-union-checking-account-for-bad-credit
Go Further Checking is designed for people that need to re-start a checking relationship. GTE wants to provide a second chance checking account. After one year, if you meet basic qualifications, your account is automatically upgraded. Membership is open to people in ALL STATES that are 18 years or older.

You must use Referral Code E599076ICB in order to get the $50 welcome bonus.

Go Further Checking Account Features

  • Access to 30,000 free ATMs.
  • 24/7 Virtual Banking (Online, Mobile or Telephone).
  • Get paid up to 2 days early with early direct deposit for a $3 fee.
  • Bill Pay, Zelle®, and Friends & Family Transfers.
  • Unlimited check writing.
  • Account Balance Alerts.
  • Free Bill Pay
  • Remote Deposit – with the GTE Mobile App and Deposit2Go.
  • Note: To get the $50 Bonus you must use referral code E599076ICB during the application process. You'll get an opportunity to insert the referral code during the application process once you get to “Lastly, here's an awesome member benefit.”

Money when you need it - All credit types welcome!


8. 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


9. 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

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.

Subscribe To Our Newsletter

Get updates and grow your money faster.

More To Explore