Get Paid Early With These Top 10 Online Banks

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

Get paid early with direct deposit from your employer, retirement, social security or employment benefits. Paydays make people happier than Christmas according to a 2018 Quickbooks PayrollSurvey.

Early direct deposit is the easy way to stay ahead of your financial obligations.

Most banks wait until payday to give you access to your money but early direct deposit banks immediately make your funds available as soon as the bank receives them instead of holding on to your money until your official pay date.

Get paid early with these 10 online banks

Online banks that let you get paid early 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.

Chime Spending Account – $100 Bonus

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.

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 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
  • Sign-Up Now

Chime SpotMe Feature

With SpotMe, you don't have to pay fees for debit card purchases, cash-back transactions and ATM withdrawals that overdraw your account up to $200.

Optional Chime Savings Account

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

Optional Chime Credit Builder Secured Visa® Credit Card

Build credit with everyday purchases and on-time payments. Use the Chime Visa Credit Card everywhere Visa credit cards are accepted. Payments are reported to all 3 credit bureaus to help you build credit over time. Members see an increase of 30 points on average⁴.

  • No annual fee or interest
  • No credit check to apply
  • No minimum security deposit required

Acorns Checking Account – $75 Bonus

The Acorns Checking Account is the first checking account with a debit card that saves, invests, and earns for you. With the Acorns Checking Account, customers enjoy no monthly or overdraft fees, a debit card, and free ATM access nationwide. The Visa debit card is made with an impressive tungsten metal with a matte green finish and your signature custom-engraved.

Acorns Checking Account Features

  • Set up Acorns Checking Direct Deposit you can get your paycheck up to 2 days early.
  • Receive 2 direct deposits of at least $250 and a $75 bonus will be deposited into your Acorns account within 45 days.
  • No overdraft fees.
  • Unlimited free or fee-reimbursed ATM withdrawals nationwide.
  • Rounds up purchases made with your debit card and invests the spare change.
  • Digital direct deposit and mobile check deposit and check sending.
  • Free bank-to-bank transfers.
  • Automated bill pay.
  • FDIC-protected checking account up to $250,000 plus fraud protection.

SoFi Money Account – $100 Bonus

The SoFi Money Account can be opened with a minimum of $10 with a debit card or an existing checking account. Get a $25 welcome bonus for opening a new account plus, if you sign-up for direct deposit you can get an additional $100 bonus.

SoFi Money Account Features

  • $10 Minimum opening deposit with a debit card or checking account from a different bank.
  • Get paid up to 2 days early with direct deposit.
  • Earn 0.25% APY which is 8x the national rate for savings accounts.
  • No-fee Overdraft Coverage.
  • 55,000+ fee-free ATMs worldwide within the Allpoint Network.
  • Get up to 15% cash back on everyday expenses when you pay with SoFi Money.
  • Automated bill pay.
  • FDIC-insured deposits up to $1.5MM through the SoFi Money sweep program with partner banks.

OneUnited Bank

One United Bank's Black Wall Street Checking Account features 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 monthly fee.
  • Minimum opening deposit of $25.
  • Free Bill Pay, Online & Mobile Banking and Mobile Deposits.
  • Obtain Cash, Surcharge Free at Over 35,000 ATMs Nationwide.

LendingClub 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.

Axos Bank

The Axos Essential Checking Account allows customers to get their direct deposit up to 2 days early. With the Essential Checking account you pay zero monthly maintenance fees, zero overdraft fees, get free incoming wires and free checks on account opening.

Essential Checking Account Features

  • Minimum opening deposit $50.
  • Get paid up to 2 days early with direct deposit.
  • No monthly fees.
  • Unlimited ATM fee reimbursements.
  • Referral bonus when you invite friends.
  • 100% mobile and online banking.

Go Further Checking – 50 Welcome Bonus

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!

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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