Banks That Offer Early Direct Deposit

It is a wise choice to use a Banks That Offer Early Direct Deposit. Direct Deposit is the fastest process of getting your paycheck into your bank account.

Banks That Offer Early Direct Deposit

There are some banks that make this process faster by making accessible the early direct deposit features. Theis early direct deposit can effectively relocate your paycheck to your bank account within two days or earlier.

To let you know, not all banks offer this feature. So, read more on this article to know about some Banks That Offer Early Direct Deposit.

Banks That Offer Early Direct Deposit

When you get your paycheck via direct deposit, the cash goes straight into your checking account. So, you’ll spend it immediately or set it aside as savings.

It’s no wonder that direct deposit is that the most preferred method for receiving paychecks. Because it offers convenience and makes it much easier to manage your money.

But what if direct deposit might be made even better? Say, if you’ll get your paychecks before everyone else?

You would be ready to access your funds quicker and do more together with your paycheck. Whether it’s paying bills, spending on everyday transactions, or maybe saving up for that vacation you’ve been dreaming of.

Some Banks That Offer Early Direct Deposit

Axos Bank Essential Checking

This is an online-only account. For users who apply and enroll for overdraft protection, purchases that would overdraw their account will be denied. This banking operation is FDIC insured.


  • There is no monthly service fee.
  • Offers multiple overdraft protection options.
  • Users can receive their paycheck for up to 2 days or earlier.
  • There is unlimited out-of-network ATM fee reimbursement.


  • Can only deposit cash through the Green Dot platform. And this may charge an extra fee.
  • There are no physical branch locations.

Chime Spending Account

This banking operator has over 38,000 free ATMs nationwide through MoneyPass and Visa Plus Alliance. Users are qualified for SpotMe overdraft protection by receiving $500 in their direct deposit per month.

This bank rounds debit card purchases up to the nearest dollar and relocates your change into your savings account. It is FDIC insured through The Bancorp Bank or Stride Bank, N.A.


  • There is no foreign transaction fee.
  • Does not offer a minimum opening deposit.
  • There is no monthly service fee.
  • Checks request can be sent to the recipient online.
  • There is no overdraft fee for overdraft up to $100 with SpotMe, if qualified.
  • Users receive their paycheck for about 2 days or earlier.
  • The bank rounds debit card purchases up to the nearest dollar and keep the change to your saving account.


  • Does not offer a physical checkbook.
  • Users are to pay $2.50 out-of-network ATM fee.
  • Can only deposit cash to your account from a Green Dot location.
  • Does not offer overdraft protection for overdrafts exceeding $100.
  • If a transaction is been processed through this bank, it is limited to $200/day or $1,000/month transfer from other bank accounts.

Other Banks That Offer Early Direct Deposit

Here are some other Banks That Offer Early Direct Deposit:

  • Current Premium Personal Checking Account.
  • GoBank Checking Account.
  • GTE Financial Full Access Checking Account.
  • One account.
  • OneUnited Bank BankBlack Checking Account.
  • Radius Rewards Checking Account.
  • Varo Checking Account.
  • Wealthfront Cash Account.

And many more.


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