Banks That Offer Early Direct Deposit Listed

Short Answer: With banks and credit unions that offer early direct deposit, you can get your funds one to three days before your scheduled payday. Most traditional banks do not offer early direct deposit, but banks and credit unions that do offer early direct deposit include Andigo Credit Union, Chime, Digital Federal Credit Union, Navy Federal Credit Union, Security Service Federal Credit Union State Employees Federal Credit Union and Varo. For more on how to get paid early, direct deposit times, account requirements, and more, see below.

Banks That Offer Early Direct Deposit

The direct deposit process usually takes a few days. First, your employer must send notification of funds to your bank or financial institution. The employer will typically set a release date for the funds. Most traditional banks will not release the funds prior to the set date. However, some online banks and credit unions will release the funds to your account as soon as they receive them. That means you’ll get your direct deposit early — sometimes up to three days before your scheduled payday.

Below, you’ll find the list of banks and credit unions that offer early direct deposit. For the list of direct deposit time at major banks, see our related article.

Note: Some apps like DailyPay and PayActiv let you request earned wages prior to your next payday. Keep in mind, these platforms can only be used if your employer partners with the company. In addition, the app will charge a fee any time you request to receive a portion of your wages early.

Andigo Credit Union

  • Online or brick-and-mortar: Both
  • Early direct deposit policy: You may receive your direct deposit to your Andigo checking account one to two days early, depending on when your employer sends the funds to the credit union.
  • Requirements: You may be eligible to join Andigo Credit Union if you live in the Greater Chicago area, are related to a current Andigo member, make a $15 minimum donation to ConnectVETS, or are employed by a qualifying business or organization.
  • How to sign up: You can sign up for an account through Andigo’s online application or by visiting an Andigo branch near you.
  • Sources: Andigo customer service representatives; Andigo website
  • Learn more about Andigo Credit Union

Chime

  • Online or brick-and-mortar: Online only
  • Early direct deposit policy: You may receive your direct deposit up to two days early, depending on when your employer sends the funds to the bank.
  • Requirements: To use the Chime app for mobile banking, you must have either an Apple or Android device.
  • How to sign up: You can sign up for an account on Chime’s website.
  • Sources: Chime customer service representative; Chime website
  • Learn more about Chime

Digital Federal Credit Union (DCU)

  • Online or brick-and-mortar: Both
  • Early direct deposit policy: You may receive your direct deposit up to two days early, depending on when your employer sends the fund to the credit union.
  • Requirements: You must be a DCU member and have a Primary Savings account and a DCU Free Checking account; direct deposits can come from an employer or Social Security.
  • How to sign up: You can apply to join DCU and open an account through DCU’s online application or by visiting a DCU branch near you.
  • Sources: DCU customer service representatives; DCU website
  • Learn more about DCU

Navy Federal Credit Union

Security Service Federal Credit Union (SSFCU)

  • Online or brick-and-mortar: Both
  • Early direct deposit policy: If you are an active or retired member of the military, you may receive your direct deposit from the military one to three days early.
  • Requirements: You may be eligible to join the SSFCU if you live, work, or attend school in Colorado, Texas, or Utah, if you’re related to an SSFCU member, or if you are a member of select branches of the military. Membership requirements are listed on the SSFCU website. In order to qualify for early direct deposit, your funds must be from a Leave and Earnings Statement. Other types of direct deposit, such as payroll or Social Security, do not qualify for early direct deposit.
  • How to sign up: You can sign up for an account through SSFCU’s online application or by visiting an SSFCU branch near you.
  • Sources: SSFCU customer service representatives; SSFCU website
  • Learn more about SSFCU

State Employees Federal Credit Union (SEFCU)

  • Online or brick-and-mortar: Both
  • Early direct deposit policy: You may receive your direct deposit to your SEFCU personal checking account up to one day early, depending on when the funds are sent to the credit union.
  • Requirements: Membership requirements are listed on the SEFCU website.
  • How to sign up: You can apply for membership and sign up for an account through  SEFCU’s online application or by visiting an SEFCU branch near you.
  • Sources: SEFCU customer service representatives
  • Learn more about SEFCU

Varo

  • Online or brick-and-mortar: Online only
  • Early direct deposit policy: You may receive your direct deposits up to two days early, depending on when your employer sends notification of the funds to the bank.
  • Requirements: Varo is an online-only bank that operates through an app; an Apple iPhone or Android device is required to run the app.
  • How to sign up: You can sign up from an account through the Varo website.
  • Sources: Varo customer service representative; Varo website
  • Learn more about Varo

Banks That Don’t Offer Early Direct Deposit

During our research, we contacted several major banks and credit unions to ask about early direct deposit. The following banks told us that they do not release funds prior to the date specified by your employer:

  • Bank of America
  • BB&T
  • BECU
  • Capital One
  • Chase
  • Citibank
  • Citizens Bank
  • Pentagon Federal Credit Union (PenFed)
  • PNC
  • Regions
  • SunTrust Bank
  • TD Bank
  • U.S. Bank
  • Wells Fargo

While Fifth Third Bank doesn’t have automatic early direct deposit, it does have a service called Early Access, which allows customers to borrow against a future direct deposit in the form of short-term credit. This service is only available to you if you’ve had direct deposit with Fifth Third Bank for at least one year and live in one of the following states: Florida, Illinois, Indiana, Kentucky, Michigan, Ohio, or Tennessee. Fees apply; see Fifth Third Bank’s Early Access terms and conditions.

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