A reader reached out asking if we would put together a post of banks that do/don’t offer early direct deposit. Early direct deposit is a feature that some banks or credit unions offer that allows you access to your pay up to two days before it would normally arrive. Normally you don’t need to activate this feature and there is no charge either, but this varies by financial institution.
Contents
- 1 Banks That Allow Early Direct Deposit
- 1.1 Affinity Credit Union
- 1.2 Ally Bank
- 1.3 American Express
- 1.4 Blue Foundry
- 1.5 BluPeak Credit Union
- 1.6 Capital One
- 1.7 Chime
- 1.8 Citizens Bank
- 1.9 Credit Karma
- 1.10 Digital Credit Union
- 1.11 Discover
- 1.12 Fidelity
- 1.13 Fifth Third
- 1.14 First Tech Federal Credit Union
- 1.15 Go2Bank
- 1.16 Golden1 Credit Union
- 1.17 Hancock Whitney
- 1.18 Huntington Bank
- 1.19 Jovia Federal Credit Union
- 1.20 KeyPoint Credit Union
- 1.21 Laurel Road
- 1.22 Lending Club
- 1.23 OnPath Credit Union
- 1.24 NASA Federal Credit Union
- 1.25 Navy Federal Credit Union
- 1.26 Northwest Federal Credit Union
- 1.27 Oregon Community Credit Union (OCCU)
- 1.28 PenFed Credit Union
- 1.29 Phoenixville Federal Bank And Trust
- 1.30 Presidential
- 1.31 Primis Bank
- 1.32 Regions Bank
- 1.33 Service Federal Credit Union
- 1.34 Soarian
- 1.35 SoFi
- 1.36 Stanford Credit Union
- 1.37 Star One Credit Union
- 1.38 Upgrade
- 1.39 USAA
- 1.40 Varo
- 1.41 VantageWest Credit Union
- 1.42 Wells Fargo
- 2 Banks That Don’t Allow Early Direct Deposit
Banks That Allow Early Direct Deposit
Affinity Credit Union
- Allows early
Ally Bank
- Allows one or two days early (50/50)
American Express
Blue Foundry
- Yes: 1,
BluPeak Credit Union
Capital One
- One day early
- Two days early
Chime
Citizens Bank
- Always two days early
Credit Karma
Digital Credit Union
Discover
Fidelity
Fifth Third
First Tech Federal Credit Union
- Yes: 1,
Go2Bank
- Always two days early
Golden1 Credit Union
Hancock Whitney
Huntington Bank
Jovia Federal Credit Union
KeyPoint Credit Union
Laurel Road
Lending Club
OnPath Credit Union
NASA Federal Credit Union
Northwest Federal Credit Union
Oregon Community Credit Union (OCCU)
PenFed Credit Union
Phoenixville Federal Bank And Trust
Presidential
- Yes: 1,
Primis Bank
Regions Bank
Service Federal Credit Union
Soarian
- Yes: 1,
SoFi
Stanford Credit Union
Star One Credit Union
Upgrade
USAA
Varo
VantageWest Credit Union
Wells Fargo
Banks That Don’t Allow Early Direct Deposit
-
All America Bank
-
American Express
-
Bank of America
-
BMO Harris
-
CFCU
-
Chase
-
Citibank
-
Columbia Bank (NJ)
-
Delta Credit Union
-
First National Bank
-
Hanmi Credit Union
-
Liberty Bank
-
OnTap Credit Union
-
PNC
-
Santander
-
TD Bank
-
Visions
If you have any datapoints to contribute please do so in the comments below. This is especially important as some banks claim they offer it but in practice that is untrue.
Hat tip to reader TDD
