20 Banks With Early Direct Deposit

The SoFi Checking and Savings account comes with a plethora of benefits, including the no overdraft fees, no balance requirements, and no monthly fees.

In addition, you can use 55,000 ATMs at no cost via the Allpoint® Network. If you set up direct deposit, you can earn 4.60% APY on your savings and 0.50% on your checking accounts.

Also, with direct deposit, you can earn a bonus of up to $300, plus you’ll receive your paycheck up to 2 days earlier.

The Upgrade Rewards Checking Plus account eliminates monthly fees, overdraft fees, and transfer fees. Customers who establish monthly direct deposits exceeding $1,000 can earn up to 2% cash back on routine debit card purchases.

Upgrade also offers the Premier Savings account through Cross River Bank, Member FDIC, where you can earn a competitive 5.21% APY on balances exceeding $1,000. This arrangement ensures that your funds are protected up to $250,000 by FDIC insurance.

Unlike a traditional bank, Current is a fintech company that offers innovative financial solutions. They don’t run credit checks or utilize ChexSystems, making it accessible for everyone.

With Current, your everyday purchases can shape your financial future. Simply by swiping your debit card, you can build credit. No loans or credit check needed. There are also no monthly or annual fees for this service.

A Current mobile bank account boasts several benefits, including fee-free overdraft protection and free access to over 40,000 Allpoint ATMs via your Current debit card. There are no hidden fees, nor do you need to maintain a minimum balance.

By signing up for a Current Premium account, you can receive your paychecks up to two days early through direct deposit.

On top of that, Current offers generous savings opportunities with their Current Savings Pods, boasting up to 4.00% APY.

Chime® offers an award-winning financial app, a debit card, and a credit builder Visa® credit card, all with no credit check.

The Chime Checking Account is perfect for those who want a stress-free banking experience. Say goodbye to monthly maintenance fees, foreign transaction fees, and minimum balance fees.

Building your credit has never been easier with the Secured Chime Credit Builder Visa® Credit Card⁷. No annual fees, no credit checks, no interest charges – it’s a secured credit card that’s perfect for establishing or improving your credit score.

With over 60,000¹ fee-free MoneyPass® and Visa® Plus Alliance ATMs, plus the option to deposit cash for free at over 8,500 Walgreens locations, banking with Chime is a breeze.

And with direct deposit², you can get your paychecks up to 2 days earlier. All of these features make Chime a smart choice for your financial needs.

GO2bank is a neobank offered by Green Dot, a well-established financial technology company. Customers can open a checking account featuring subaccounts known as vaults without a minimum balance requirement.

GO2bank provides an attractive 4.50% APY on savings accounts for balances of up to $5,000. Access to funds is made easy through cash deposits at 90,000 retail locations and fee-free ATMs at 19,000 locations.

Additionally, customers can receive their pay up to 2 days in advance and government benefits up to 4 days early via direct deposit.

You can also opt for overdraft protection up to $200 with eligible direct deposits.

GO2bank offers the GO2bank Secured Visa Credit Card, which can assist customers in building their credit over time through responsible use.

The $5 monthly fee is waived when you receive payroll or government benefits through direct deposit.

Chase offers a secure and convenient option for banking in the form of its Chase Secure Banking checking account. Equipped with a Chase debit card, this account grants you access to a vast network of over 16,000 fee-free ATMs.

This checking account offers features such as free online bill payment, no-cost money orders and cashier’s checks, and protection from overdraft fees.

Additionally, there’s no minimum deposit required to get started. However, it’s worth noting that there is a monthly service fee of $4.95.

For those seeking an extra incentive, Chase Secure Banking has you covered. Open an account and make 10 eligible purchases within 60 days, and you’ll be rewarded with a $100 cash bonus.

Approval is immediate, and the debit card is issued quickly, so you can start banking with ease. Choose Chase Secure Banking for a secure, convenient, and rewarding banking experience.

Dave’s Spending account, available through its intuitive mobile app, allows customers to effectively manage their funds without the hassle of overdraft fees or minimum deposit requirements.

Once signed up, users can immediately use their digital Dave Debit Mastercard® through Apple Pay® or Google Pay™, and if they wish for a tangible card, it’s readily available upon request. Banking with Dave means securing your money, as every account is FDIC-insured up to $250K through the reputable Evolve Bank & Trust.

An outstanding feature of Dave is the vast network of fee-free ATMs, boasting over 40,000 MoneyPass® ATMs, conveniently located in familiar places like 7-Eleven.

Not only does Dave accelerate your payday by up to 2 days through Direct Deposit, but they also introduce a novel way to save money. Their Round Up feature assists users in boosting their savings by rounding up their purchases, effortlessly helping them reach their financial goals.

Furthermore, the Dave Debit Mastercard® provides users with an enticing opportunity to earn up to 15% cash back on their shopping. With Dave, depositing funds has never been easier.

Customers can directly deposit their paychecks, use ACH, Apple Pay®, or Google Pay™ for transfers, or even deposit cash in-store at popular locations like CVS and Walgreens.

Lastly, for those unexpected expenses, Dave provides an ExtraCash™ feature, where users can get advances up to $500, offering flexibility and assurance in their financial journey.

The Walmart MoneyCard serves as a compelling alternative to conventional checking accounts, designed as a prepaid debit solution.

One of its standout features is the cash back offering, where users can earn 3% for purchases made on Walmart.com, 2% when filling up at their fuel stations, and an additional 1% for in-store transactions. However, these cashback rewards have an annual limit, capped at $75.

Another notable advantage is its overdraft protection. By opting in and setting up direct deposits, users can benefit from up to $200 in overdraft coverage.

In terms of fund accessibility, the ASAP Direct Deposit feature is quite handy. It not only ensures that users get their salaries two days earlier, but also expedites the receipt of other benefits.

On the savings front, the card doesn’t disappoint. It offers an impressive 2.00% APY, encouraging cardholders to save more. Moreover, users have a chance to win monthly cash prizes, adding a fun twist to the savings experience.

In terms of costs, there’s a monthly fee of $5.94. However, Walmart understands the value of consistent transactions, so they’ll gladly waive this fee if the cardholder had direct deposits totaling $500 or more in the preceding month.

Varo is a game-changer in the banking industry, with its cutting-edge digital banking solutions. Signing up for a Varo checking account couldn’t be easier. You can do it all from the comfort of your own home, without ever having to step foot in a physical bank branch.

With Varo, you’ll have access to a wealth of features, including the ability to receive your hard-earned paychecks and tax refunds up to two full days ahead of time, thanks to their early direct deposit program.

There are no monthly fees, no credit check, and you can get up to 6% cash back when you use your Varo Bank debit card at select brands.

Ally Interest Checking is an excellent solution for anyone who wants to manage their finances with ease. You’ll earn 0.25% APY on funds in your checking account.

With early direct deposit, you can access your money up to two days earlier than your payday, giving you more control over your finances.

To ensure your peace of mind, Ally Bank offers two overdraft protection solutions and your money is FDIC-insured, so you can be sure your money is always safe.

There are no minimum balance requirements and no monthly maintenance fees, so you can enjoy worry-free banking.

The Ally Bank Debit Mastercard provides access to over 43,000 no-fee Allpoint ATMs. Additionally, if you need to use another ATM, Ally Bank will reimburse you up to $10 per statement cycle for any fees charged.