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Chime direct deposit not early

chime direct deposit not early

Keep your money safe with security features, overdraft up to $ fee-free*, and get paid up to 2 days early with direct deposit^, with no. Chime adds some charm to mobile banking. the two second ads feature young people plugging Chime's Early Direct Deposit feature. Those who are not enrolled for direct deposit will receive a check. Soon people will be able update their mailing address.

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Your Complete Guide To Direct Deposit

Over the past 20 years, direct deposit has gone from being a perk to the default for most workers. But just because direct deposit is ubiquitous doesn’t mean everyone knows all the ins and outs of this payment method. So it’s a good idea to make sure you understand just what you can expect and how you can get the most out of it.

Here’s everything you need to know about using direct deposit.

What Is Direct Deposit?

Direct deposit is a fully automated method of handling transactions. When receiving a direct deposit, the payer issues an electronic payment that is automatically transferred into the payee’s checking account. There is no need for a physical check or for either party to visit the bank for the money to transfer.

This payment method has become very common in recent years, with nearly 94% of U.S. workers receiving their paychecks via direct deposit, according to the American Payroll Association’s Getting Paid in America Survey. Since direct deposit occurs automatically, it is more convenient for the employee, who can count on their paycheck arriving on payday without having to lift a finger, and more economical for the employer, who does not have to spend money to print and distribute paper checks.

How Does Direct Deposit Work?

Here’s how the direct deposit process works:

An employer starts by collecting the banking information—including bank account number and bank routing number—of its employees and vendors. This is part of the information that your employer likely gathered from you during your onboarding process after you were hired.

Let’s say this employer makes payroll payments on the 15th and last day of every month. Generally, one or more business days prior to payday, the company will send its payroll instructions to its bank, which then passes that information to the Automated Clearing House (ACH). The ACH operator sorts the ACH entries and ensures that each instruction is routed to the correct financial institution for each employee’s paycheck.

Upon receiving the ACH instructions, the employees’ banks then process the payment and credit the employees’ accounts with the necessary funds.

Who Offers Direct Deposit?

Many people associate direct deposit with payroll. After all, switching over to an all-electronic system saves employers both money and time, so that is where most people first see direct deposit offerings. However, you can sign up for direct deposit payments from more than just your employer.

In particular, the U.S. government prefers to pay citizens via direct deposit rather than paper checks. Sinceall Social Security benefits have been paid via direct deposit or a prepaid debit card. Similarly, you can choose to have your tax refund electronically deposited into your bank account rather than wait for a paper check, which can take up to six weeks to arrive.

In addition, many private companies, independent vendors, utilities, leasing agents, charities and other organizations offer direct deposit both as payers and payees. It is entirely possible that you can eliminate nearly all paper checks from your financial life by using direct deposit.

How to Set Up Direct Deposit

The process for setting up direct deposit is basically the same, no matter the payer. Here’s the process you will follow to get your own direct deposit payments:

  • Fill out the direct deposit form. Your employer (or other payer) will ask you to complete a direct deposit form that will ask for several personal details, including your name, address, Social Security number and signature for authorization of the direct deposit.
  • Include your account information. In addition to the above information, the most important data on the direct deposit form is your bank or credit union account information. Specifically, you will need to provide your bank or credit union routing number and account number, or else your employer will not be able to initiate the direct deposit.
  • Deposit amount. Usually, the deposit amount equals the amount of your check. However, you may have the option—for example, with a paycheck—to deposit a percentage into your checking account and a percentage into your savings.
  • Attach a voided check or deposit slip. Though you generally provide your account information on the direct deposit form, you will also often need to attach a voided check or deposit slip to ensure that the payer is connecting to your correct bank account.
  • Submit the form. Considering how much sensitive information is included on a direct deposit form, it’s important to take care when submitting the form. If you work in a traditional office, it’s a good idea to hand this form directly to your payroll department. If you are submitting such a form remotely, use a secure file transfer service, rather than simply emailing it.

How Long Does Direct Deposit Take?

The big selling point of direct deposit is the time it saves you. This process means you don’t have to make a trip to the bank every time you get paid.

But exactly how fast is this kind of payment? The actual time frame for the money to hit your account depends somewhat on where the money is coming from.

To start, the ACH transfer process can sometimes take up to four business days. However, employers will generally initiate the ACH transfer far enough in advance to ensure that the money shows up in the employee’s bank account on payday.

Many employees can expect payroll direct deposit to arrive in their account at midnight the day before the pay date. You may receive your money well before you arrive at work on payday. This is true even if you are out of town or otherwise unable to get to work on payday, since the direct deposit is automatic and requires no input on your part.

Payments from the federal government are similarly systematized so that beneficiaries can know exactly when to expect their payments. For instance, Social Security benefits arrive in your account on the second, third, or fourth Wednesday of each month, depending on your birthday. (If a payment date falls on a national holiday, then your benefits are deposited the business day prior to the holiday.)

For other types of direct deposit, you can generally expect the funds to arrive within one business day of payment, although they can sometimes arrive the same day. And since direct deposit is not usually subject to a bank hold, you can begin using the money as soon as it arrives in your account.

Uses and Benefits of Direct Deposit

In addition to payroll, direct deposit can also be used for the following purposes.

Independent Contractors

An independent contractor is a self-employed individual who performs “work for hire” for a client. The client is not legally an employer and therefore is not required to withhold taxes from the contractor’s pay. Additionally, the client pays the contractor upon receiving an invoice, rather than on a regular payroll schedule.

Traditionally, independent contractors are paid via check, but setting up direct deposit for such workers can be mutually beneficial for the workplace and the contractor. It ensures that the contractor’s payments, which tend to be irregular, are at least transferred directly rather than requiring a wait for the check to arrive, be deposited and then cleared. Paying contractors via direct deposit also reduces payroll costs for the employer, as it reduces the need for cutting checks for payment.

Social Security Benefits

As ofall Social Security benefits are paid to beneficiaries via direct deposit. By switching to a direct deposit system, the Social Security Administration estimated a savings of $ million per year, adding up to $1 billion in savings to taxpayers over the past decade.

Unfortunately, the direct deposit system does not work for beneficiaries without a bank account. Such beneficiaries receive their payments through a prepaid debit card.

Child Support

Direct deposit can be a simple, convenient and secure way to receive child support payments. Generally, parents receiving court-mandated child support will sign up for direct deposit through their state. With a direct deposit option, there is no waiting for paper checks in the mail, and there are no fees associated with receiving the payment. Direct deposit also makes it easy to track child support payments, as you can easily track and search for payments via your bank’s online portal.

Tax Refunds

According to the IRS, the fastest way to receive a tax refund is by filing electronically and opting for direct deposit. More than nine out of 10 refunds that combine e-file with direct deposit are processed within 21 days, while paper checks can take much longer. In addition, the IRS will allow taxpayers to direct deposit their refunds into upwards of three separate bank accounts, which means you can easily place your money exactly where you want it to go, without lifting a finger.

Paying Bills

Some recurring bills, such as rent or utilities, can be paid via direct deposit. Generally, banking customers will set up this kind of direct deposit with their bank via the institution&#;s “bill pay” option. This is often the only way to set up such a direct deposit, since it may be difficult otherwise to get the direct banking information for your recurring bills.

Is Direct Deposit Safe?

Safety is a common concern with direct deposit. But this method of payment is generally one of the safest methods of receiving payment.

Direct Deposit vs. Check

Unlike a direct deposit, cash or a paper check can be lost or stolen, and someone can fraudulently cash a check not made out to them. If you lose a paper check, the issuer will often charge you a fee to reissue it. If your check is stolen, the process to get your payer to issue a stop payment can be arduous and expensive.

Direct deposit does not have any of these potential safety issues. Since the money transfers automatically from the payer’s account to your account, it cannot be lost or stolen. In fact, the Social Security Administration boasts that not a single payment via direct deposit has been lost sincewhen beneficiaries were first offered the option to receive direct deposit.

Ultimately, the biggest potential safety issue with direct deposit occurs when you are setting it up. Making certain that your bank account information goes to the correct party in an organization you trust—via a secure channel—can help ensure the safety of your direct deposit.

Reasons to Make the Switch

If you are still receiving paper checks as payment, there are a number of reasons to consider making direct deposit your payment method of choice.

Automated payments are much more convenient than paper checks. Even with mobile check deposit technology’s making a trip to the bank unnecessary for deposits, you are still stuck waiting for your paper check to arrive before you can put it in your account. In addition, a deposited paper check may need extra time before it clears your account. Your direct deposited funds will be available immediately.

Going digital by signing up for direct deposit also saves money and resources. The payer does not have to cut paper checks and mail them, which reduces payroll expenses and is better for the environment.

This reduction in paper waste is also beneficial for the payee. Rather than having to hold on to years’ worth of old paper pay stubs in an overflowing file cabinet, your electronic records can be digitally stored.

Digital payments are also more secure than paper, since they cannot get lost in the mail, misdelivered or fraudulently cashed. So long as you are cautious while initially setting up your direct deposit, you can trust that this method of payment will not go awry.

Finally, direct deposits quickly complete transactions. Rather than waiting for paper checks to arrive, be deposited and clear the bank, a direct deposit gets the money to the recipient quickly and efficiently, meaning transactions are cleared sooner.

Frequently Asked Questions (FAQs)

How do you void a check for direct deposit?

A voided check is a common requirement for setting up direct deposit. To void a check, you will take an unused check for the account into which you would like your money to be deposited. With a pen, you will write the word VOID across the front of the check in large letters. This will prevent anyone from filling out the check and attempting to cash it. You will then attach the voided check to your direct deposit form and turn it into the payroll department.

How long does it take to get unemployment via direct deposit?

States can provide unemployment benefits via direct deposit or via a state-issued prepaid debit card. Some states still offer paper checks for unemployment benefits. States cannot require you to take your unemployment benefits via a state-issued prepaid debit card.

Of the payment options available, direct deposit will generally be the quickest method of receiving unemployment benefits. The specific amount of time it will take to receive your money via direct deposit will vary from state to state, however.

How do you make a direct deposit into someone else's bank account?

It can be difficult to make a traditional direct deposit into another person’s bank account, since you will need to have their account number and routing number, which most individuals are understandably leery about sharing. However, there are several ways to make an electronic transfer between bank accounts:

  • Bank-to-bank online transfer. Some banks allow account holders to send money to others using only the recipient&#;s email address or phone number.
  • Peer-to-peer online transfer. Payment apps like Venmo, PayPal, CashApp and Zelle will allow you to transfer money to another person’s bank account without requiring either party to know the other’s account information. There may be fees associated with these options, and there may be a limit to the amount you can transfer per day.
  • Wire transfer. If you need to deposit a sizable amount of money, a wire transfer can get the money into the other account within one business day or less. Expect to pay a fee of $15 to $50 for this service, however.

What about banks that say I can receive my pay up to two days early?

Known as early direct deposit, this feature is now offered by some banks and credit unions, and makes the deposited money available to the account holder as soon as the payer releases the funds. It has been common practice among traditional banks to take one to two days to release direct deposit funds to the customer. However, the sooner the money is in your account, the sooner it can be earning interest or be put to immediate use.

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Chime Bank Review &#; Account Features, Pros &#; Cons

Chime Bank merges the best attributes of traditional bank accounts and automated savings apps in a sleek, low-cost package. It&#;s a mobile-first solution for on-the-go consumers serious about saving and spending wisely.

Anyone with a U.S. address can open a Chime Bank account. Every account holder gets an FDIC-insured checking account (known in Chime parlance as a &#;Spending Account&#;), an FDIC-insured savings account, and a Visa debit card connected to the checking account. Fees are minimal: There&#;s no monthly maintenance fee for the Spending Account, for instance. And Chime has a cool automated savings feature that takes the grunt work out of setting funds aside.

Chime Bank is definitely not a full-service online bank. If you expect it to be, you&#;re setting yourself up for disappointment. You won&#;t find any CDs, money markets, investment options, or loan products here — other than a handy but limited secured credit card. But you should read on to learn more about what Chime has to offer.

Key Features

If all you need is a low-cost checking and savings portal that helps you save every day, Chime could be your bank. Here&#;s what you need to know about its features, advantages, disadvantages, and overall suitability.

Deposit Account (Spending Account)

Chime Bank&#;s central feature is its deposit account. This is a standard-issue checking account, known internally as the Spending Account, with FDIC insurance up to the $, statutory limit per account.

The Spending Account has no opening deposit requirement, minimum balance requirement, or monthly fees. You can set up an individual or joint account, depending on your lifestyle and preferences. If you don&#;t have direct deposit or mobile check deposit set up, you can transfer money from external bank accounts into your Chime Spending Account, subject to certain transfer limits and restrictions.

Savings Account

Chime Bank also offers an FDIC-insured savings account to every Spending Account customer, but you&#;re under no obligation to open one.

Outbound transfers are limited by law to six per month, so this account isn&#;t suitable for day-to-day use. You can make unlimited inbound transfers from your Spending Account, however. There&#;s no minimum or maximum balance requirement, although accounts with $0 balances for nine consecutive months are subject to closure.

Chime Savings has a solid yield on all balances, subject to change with prevailing interest rates.

Chime Debit Card

All Chime Bank deposit account holders get a fee-free Visa debit card that can be used to make purchases anywhere Visa is accepted. You can make fee-free cash withdrawals at more than 30, MoneyPass ATMs nationwide and get cash back on point-of-sale transactions at a comparable number of retail locations.

Fee-Free Overdraft (SpotMe)

Chime&#;s Spending Accounts come with an optional fee-free overdraft protection plan called SpotMe. With SpotMe in place, eligible account holders get up to $ to cover debit card purchases that result in negative balances. Once the negative balance is repaid, account holders have the option to &#;tip&#; (pay a small chime direct deposit not early to repay Chime&#;s generosity, but this isn&#;t a condition of coverage.

Credit Builder Account (Visa Secured Credit Card)

The Chime Credit Builder Visa Secured Credit Card is a secured credit card designed for first-time credit card users and for people looking to bounce back from events that adversely impacted their credit, such as bankruptcies.

Unlike most secured credit cards, there&#;s no annual fee, no interest, no credit check to apply, and no minimum required security deposit. To increase your credit limit, simply move money from your Spending Account to your Credit Builder Account. Your credit limit is your Credit Builder Account balance.

Early Direct Deposit

If your employer or benefits provider permits direct deposit payments, you can take advantage of Chime&#;s Early Direct Deposit feature. From the payee&#;s perspective, Early Direct Deposit functions just like any other direct deposit or ACH transfer. Chime claims direct deposit payees receive their money up to two days faster than payees who opt for traditional paper checks. It&#;s not clear how this time frame compares to other banks&#; direct deposit arrangements.

Mobile Check Deposit

Chime has a user-friendly, fee-free mobile check deposit tool that lets you deposit paper checks using only your mobile phone. You&#;re not automatically permitted to use this feature, however: Chime has sole discretion over who it approves (and when).

Automatic Savings Transfers

Chime Bank gives account holders two ways to save more of what they earn:

  • Save When You Spend: Chime Bank automatically rounds up every debit card transaction to the nearest dollar and deposits the difference into your savings account. This helps you save up to $ per transaction with no action required on your part.
  • Save When You Earn: You can opt into Chime&#;s paycheck savings transfer program and automatically transfer up to 10% of your direct deposits into your savings account. Chime does need to give its approval for this option, and you can reduce or cancel your transfer allotment at any time if it becomes too burdensome.

Bill Pay (Chime Checkbook)

The Chime Checkbook feature is a user-friendly mobile bill pay system that lets you pay one-off or recurring debts at your discretion. It&#;s free to use, although third-party processing fees may apply should your payees choose to levy them. You can send paper checks, pay with your Chime debit card, or use direct debit to pay without entering your card number.

Send Money to Friends

Chime&#;s Pay Friends feature lets you send money instantly to friends at no cost, subject to aggregate monthly transfer limits of $2, or 15 discrete transfers. You can use this feature to settle any personal debts, such as paying a friend back for picking up the restaurant tab or paying your share of your household&#;s monthly electricity bill.

Mobile Wallet Integrations

Chime Spending Accounts integrate seamlessly with three popular mobile wallet solutions: Apple Pay, Android Pay, and Samsung Pay.

Once set up, these solutions are easier to use than Chime&#;s traditional debit card. In person, all you have to do is tap your phone to the card reader. Online, these solutions support one-click ordering without requiring card number entry.

Block Card

If you lose or misplace your card or suspect it&#;s been stolen, Chime&#;s Block Card feature lets you put a temporary freeze on it until it&#;s located or cancelled.

Customer Support

Chime&#;s customer support team is available by phone and email. Phone support is live 7am to 7pm Central Monday through Saturday and 9am to 6pm Central on Sundays. Email queries are answered during business hours.


Chime is a low-cost mobile banking solution that makes it easy to organize your financial life and save some money in the process.

  1. No Monthly Maintenance Fees. Chime Bank doesn&#;t charge monthly maintenance fees for Spending Accounts, savings accounts, or debit cards. That puts it in a dwindling group of banks, mostly online, that offer no-strings-attached free checking and savings accounts.
  2. Seamless Savings Up to 10%. Chime Bank offers two easy ways to boost your personal savings: rounding up every debit card transaction to the nearest dollar and capturing up to 10% of your direct deposit paychecks. By removing the legwork from saving, these automated options make it far more likely that you&#;ll incorporate regular saving into your household budget.
  3. Direct Deposit Payments Come Up to Two Days Early. When you set up Early Direct Deposit with Chime Bank, you can receive your paycheck up to two days faster than your colleagues. The exact timing varies by employer and may not be much different than other direct deposit arrangements, but that doesn&#;t change the fact that it&#;s nice to get paid early.
  4. Build Credit With a Secured Credit Card (Credit Builder Account). Chime&#;s Credit Builder Account and the associated Credit Builder Visa Secured Credit Card is an excellent way to build or rebuild credit. Chime claims the Credit Builder Account can raise your credit score by an average of 30 points, although your mileage may vary.
  5. No Fees to Send Money to Friends. It&#;s free to send money to friends with Chime Bank&#;s Pay Friends feature. The service isn&#;t totally unlimited: You can send up to 15 transfers and no more than $2, in the aggregate per calendar month. This discourages misuse by businesses looking to skirt ACH transfer fees. Still, it&#;s probably enough for the occasional split check.
  6. Access to 30,+ Fee-Free ATMs and Cash-Back Points. Chime Bank users enjoy fee-free access to more than 30, MoneyPass ATMs in the U.S. and a similar number of retail locations authorized to provide cash back during point-of-sale transactions. In short, it&#;s fairly easy to tap your Chime Bank account for hard cash.
  7. Multiple Mobile Wallet Integrations. Chime Bank integrates with Apple Pay, Android Pay, and Samsung Pay — three increasingly common mobile payment tools accepted by thousands of retailers across the United States. Soon, you might be able to get away without using your physical Chime Bank debit card at all.
  8. Cash Deposits Through Green Dot. Chime Bank permits cash deposits at more than 60, Green Dot cash points nationwide. This is a key benefit for account holders who occasionally take payment in cash. After all, running a cash business isn&#;t necessarily nefarious: plenty of small-business owners and solopreneurs do it.


Chime does have some drawbacks that impact its accessibility, and its pricing and incentives are not competitive with other top online banks&#.

  1. Modest Savings Yields. Chime Bank&#;s savings account has a yield (APY) in line with other online banks, but it&#;s not best-in-class. And even when prevailing interest rates rise, this yield doesn&#;t seem to budge. If you&#;re looking for a high-yield savings account that keeps ahead of — or at least pace with — inflation, you may need to look elsewhere or seek a different type of yield-bearing deposit product, such as a cash management account.
  2. No Account Opening Bonuses. You won&#;t find Chime Bank on our monthly best bank account promotions list because, at least for the time being, Chime Bank isn&#;t running any promotions for new account holders. Many leading online banks offer account opening bonuses of $, $, or more when applicants meet certain conditions. If boosting your balance right out of the gate is a top priority, consider CIT Bank, Capital Oneor any of the dozens of other banks offering sign-up bonuses right now.
  3. No Physical Branches. Chime Bank doesn&#;t have any physical branches. While this certainly helps keep fees low, it&#;s an issue for customers who appreciate face-to-face interaction. Gabbing with a faraway customer service rep just isn&#;t the same as sitting down in the same room as an experienced banker. Even some &#;online-only&#; banks, such as Capital Onehave opened physical branches in recent years.
  4. No CDs or Money Markets. Chime Bank doesn&#;t have any CD or money market options, both of which typically yield more than traditional savings accounts. Full-service online banks, such as TIAA Bank, do offer these products, as do established brick-and-mortar banks.
  5. No IRAs or Investment Products. Chime Bank doesn&#;t offer any retirement or investment products: no individual retirement accounts (IRAs), money market, or brokerage accounts, and no taxable brokerage accounts either. If you&#;re looking for a full-service financial institution that lets you invest in market-traded securities, check out Ally Bank, whose Ally Invest division is a great low-cost option for everyday retail investors.
  6. No Loans. Chime Bank doesn&#;t offer any loans. For big-ticket financing — auto loans, mortgages, personal loans — you&#;ll need to look to a traditional bank like Chase Bank, a nontraditional financing provider like Kabbage or OnDeck, or a full-service online bank like Ally.
  7. Limited Customer Support. Chime Bank&#;s customer support team isn&#;t available around the clock, a notable disadvantage relative to established online banks like Ally. Chime reps answer the phone from early morning to early evening, and answer emails within one to two business days. For customers who work long, odd hours, and those who need urgent assistance outside regular business hours, that might not be good enough.

Final Word

Chime Bank isn&#;t exactly revolutionary, but it&#;s definitely a big step forward in consumer banking&#;s ongoing evolution. As free checking accounts grow ever rarer and more restricted, it&#;s nice to see at least one ambitious company holding it down for fee-averse folks seeking somewhere — anywhere — to stash their spending money and short-term savings while building credit in the process.

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Get Paid Early

Digital banking has only grown in popularity over the years, and one of its best features is having the ability to get paid early. Conventional banks can take as long as five days to deposit your direct deposits into your account, while online banks can get you paid two days earlier than the average conventional bank.

But what are the best digital banks for getting paid early? After researching the options, we’ve chosen ten get paid early apps with the best services for their members. Read on to find out which digital bank will suit you best. 

The Verdict

Two digital banks stand out for their ability to get you paid early — Chime Bank and Current Bank. In our opinion, Chime Bank is the real winner.

Chime offers their customers a free checking account, and if you have more than $ in deposits per month, you’ll also qualify for their free overdraft protection service, SpotMe. SpotMe allows you to have $ in overdraft protection without having to pay any fees.

Chime’s checking account doesn’t offer any interest, but you can always open a Chime savings account. A savings chime direct deposit not early from Chime gives you a % APY, nearly 10 times the national average.

Current Bank is another digital bank with early direct deposit options. Much like Chime, Current offers their customers the ability to get their deposits up to two days sooner than conventional banks. Unlike Chime, Current has a $ a month service fee.

Current is still a good choice for you if you want the ability to use ATMs. With over 55, Allpoint ATM locations across the USA, Mexico, Canada, the UK, and even Australia, you’ll always be able to find somewhere to withdraw cash.

Pros and Cons of Get Paid Early Apps

Most digital banks have their quirks. Some banks partner with Visa, while others don’t have any physical branches or ATMs. Here are some general pros and cons of digital banks with services to get paid early.


  • Direct deposits are two days faster on average
  • Competitive APY
  • Free or low fee accounts
  • Free or low fee overdrafts
  • Most have 24/7 customer support


  • May incur ATM fees
  • May not have savings accounts
  • Some deposit restrictions may occur

Ten Best Digital Banking Apps to Get Your Paycheck Early

Even if you’re happy with the services your current bank offers, you might be missing out on some chime direct deposit not early. Aside from getting paid early, you may miss out on advantageous interest rates or lower fees. After researching all the options, here are the ten best digital banking apps that provide you with early direct deposits.

Chime Bank

Chime Bank began in when the founders realized that traditional banking institutions weren’t evolving with the current financial technology. Aside from utilizing early direct deposit technology, Chime also helps their customers save money and increase their credit scores.

Chime offers their customers a range of online banking features, not just the ability to get paid early. You can open a checking and savings account, and Chime offers their customers a Visa Debit card. Chime does not charge any fees, including on its SpotMe overdraft protection, which you can qualify for if you receive $ or more a month in direct deposits.

Most people know Chime because of its strategy to get paid early. On average, Chime allows their customers access to their funds two days before traditional banks. You can send money to your family or friends via the app or website without any fees.

Chime offers other features, including insuring your deposits up to $, and keeping your transactions secure by allowing you to disable your debit card. Another benefit of Chime is its automated savings plan. If you opt for this feature, Chime will round your purchases to the nearest dollar, depositing the difference in your Chime savings account. Check more about getting paid early at the Chime bank website.

Current Bank

Current Bank is a digital bank that focuses on early direct deposit technology. The bank offers its customers a mobile banking platform, as well as access to over 55, ATMs to withdraw money. If you use another ATM, you’ll be charged a $ fee. You also can’t deposit money into your account via a partnered ATM.

Current’s get paid early technology allows you to receive your money up to two days earlier than with a conventional bank. Current charges their customers a $ a month service fee. After signing up, all you need to do is enroll in the direct deposit program and you’ll be eligible for faster direct deposits. 

Current also helps you save money by offering up to $ in overdraft protection for free. They call this feature “Overdrive,” and they offer it to any customer with $ or more in direct deposits each month. 

Current offers their customers a few ways to spend more wisely and save more money. They offer their customers the ability to earn points at select retailers, which you can redeem for spendable cash. Current also offers “Savings Pods.” These pods act like mini savings accounts. You can specify what you’re saving for and how much you need, which can help you plan for larger purchases. 


VaroMoney is a digital banking service that specializes in early direct deposit technology. Aside from that, they offer access to over 55, ATMs for withdrawals, but if you use a non-partnered ATM, you’ll be charged a $ fee. The account itself has no monthly fees.

After you create a VaroMoney account, you can sign up for early direct deposits. To do this, all you need to do is fill in your direct deposit information. Once that’s done, VaroMoney will detect any direct deposits from your employer and give you access to the funds two days faster than you normally would. 

VaroMoney has overdraft protection, but you need to meet stringent requirements to qualify. You need at least $ a month in direct deposits and you need to use the VaroMoney Visa debit card at least five times in the preceding month. The overdraft protection is only $50, which is quite low.

Axos Bank

Axos Bank is a full digital banking platform. It offers a lot more than just a checking account for early direct deposits. Rather, it’s better to view Axos as a conventional bank that embraces the financial technology breakthrough we’re living through. 

Axos offers their customers access to mortgages, business loans, investment accounts, and everything else you expect from a conventional bank. On top of that, Axos also offers the Essential Checking account, which has early direct deposit capabilities.

Axos’ direct deposit system works by using the direct deposit information you submit to create an individual file for you. Once that’s complete, Axos will detect direct deposits sent to you. After identifying the direct deposit, Axos deposits it directly into your account. On average, you’ll see money in your account two days faster than other banks.

Although Axos acts like a conventional bank in some regards, it doesn’t have all the features. It doesn’t have any brick-and-mortar locations, and cash deposits can only be done through Green Dot, which may charge fees depending on your location.


Majority markets itself as an all-in-one digital banking solution for international travelers or migrants. Majority charges a $5 a month service fee. For that fee, you get early access to direct deposits through your majority checking account, a Visa debit card, low-fee international money transfers, free international phone calls, and customer service in various languages.

A Majority account is FDIC-insured, meaning your deposits are safe. The Majority account gives you access to your funds up to two days earlier. Once you sign up for Majority, all you need to do is input your direct deposit information and you’ll have access to an early direct deposit account.

Majority doesn’t have a minimum deposit to open an account, and there aren’t any overdraft fees associated with the Visa debit card. Majority also specialized in developing a user-friendly app. The app lets you track purchases and deposits, making it more useful than simply an app to get paid early.


Earnin is an online platform and get paid early app that focuses on giving you access to your funds as soon as they become available. Earnin offers more than just early direct deposits, too. With their Cash Out tool, you can have access to money you haven’t even earned yet.

Earnin has two ways to get their customers an early direct deposit. First, they facilitate faster direct deposits in the normal way. This is done after you give your direct deposit information to Earnin, which then uses that information to credit your account with the deposit amount up to two days earlier than normal.

The other way Earnin gets you paid early is their Cash Out tool. This option is available for those who have a direct deposit history with Earnin. Cash Out allows you to withdraw money from your account before Earnin detects a direct deposit. The maximum amount you can withdraw is between $ and $ per pay period or more once you deposit more funds.

Earnin also offers its customers ways to save more money. The app gives customers the option to set a chime direct deposit not early on their account, meaning you can’t spend more until you get another deposit. Earnin also offers its users rewards and cashback on credit card purchases at specific retailers. 


OneFinance is a digital banking resource with no-fee bank accounts. OneFinance offers their customers a checking account with the option of a savings account as well. Their Auto-Save function allows you to garner some money from your paychecks and put it into a savings account with 3% APY. The first $1, a month gets a 3% rate, while deposits up to $25, only get 1%.

OneFinance gets you paid early by using the direct deposit information you provide to them upon opening an account. You can access your direct deposit up to two days earlier than conventional banks. 

OneFinance has no-fee out-of-network ATM use, a feature many other banks don’t have, whether online or traditional. That means you can withdraw your cash at any ATM without having to worry about that $ charge that’s common with other banking institutions. 

Porte Account

Porte is a digital bank that offers both online and app-supported banking. You can download the app through the App Store or Google Play. The main function of Porte is their get paid early app.

Porte’s mobile banking is more than just a get paid early app, though. It also offers you the ability to cash checks online via a picture, a Visa debit card, and contactless payment through your phone. Porte offers all of these features without charging you an account fee. 

Porte can get your paycheck earlier by crediting your account with money it detects from your upcoming direct deposit. Instead of waiting for the check to clear before crediting your account, Porte deposits the money as soon as it receives confirmation a direct deposit was sent to you.

Porte also offers its customers a debt management tool, their True Debt calculator. Porte also offers a 3% APY on their savings accounts, which is much higher than the national average.

OneUnited Bank

OneUnited Bank is a mobile and online bank with various features and benefits. OneUnited is more expensive than other online banks, with a $10 a month account fee and a $50 minimum deposit to open an account. 

OneUnited can get you paid earlier by up to two days. After you input your direct deposit information into their online banking service, they’ll detect any direct deposits sent to you and credit your account with that much cash.

OneUnited offers their customers a Visa debit card and overdraft protection. Overdraft protection does have a fee associated with it. Each time you transfer money for overdraft protection, you have to pay a $15 charge. 

Radius Bank

Radius Bank has unique features compared to other digital banking institutions, like cashback on all purchases and interest on funds in your checking account. Most banks only give interest to savings accounts, so having this feature is a plus.

Radius isn’t cheap though. There isn’t a monthly service fee, but any overdrafts will cost you $25 and you need a minimum deposit of $ to open an account. If you want to earn interest on your money, you need to have more than $2, in your checking account. All of this together means it’s expensive to have a functioning Radius account.

Aside from that, Radius can get you paid early with their direct deposit system. You’ll get access to your funds two days earlier since Radius credits your account with the funds as soon as it receives confirmation your employer has sent a direct deposit. 

Radius also offers its customers a whole range of conventional banking options, like mortgages and business loans. Radius is an all-in-one resource for your banking needs.

How Banks Process Your Paychecks Early

Banks can process your direct deposits early, but many choose not to. Digital banks caught onto this trend and developed tools to give you early access to your funds.

Let’s use an example to illustrate how digital banks get your paycheck early. An employer who uses direct deposit to pay their employees has access to employee information like their bank account number and routing number.

When an employer sends a direct deposit, they use this information to create a batch order of direct deposits. When the employer creates a batch order, they also set a release date. The release date is when the money becomes available to you in your account.

So, if your employer creates the batch order on the 15th, with a release date on the 19th, you won’t have access to your funds at a conventional bank until the 19th.

Digital banks with early direct deposits work by crediting your account the amount specified by your employer on the batch order. Once your employer sends the direct deposit, you’ll have immediate access to your money, regardless of the release date. On average, this ends up being two days earlier than normal banks.

Apps That Pay You Same Day (Quick Side-Jobs)

Sometimes your day job isn’t enough to make ends meet. If that’s the case, you’re probably looking for a side-job that gives you quick access to your funds. If you’re looking for a side hustle that offers you same-day pay, here are some of the chime direct deposit not early options for you. 


GigWalk is an app that pairs workers looking for short-term gigs with employers who only need a worker for a day or two. The app also runs the payment system. GigWalk uses PayPal to facilitate quick payments.

GigWalk connects directly to a PayPal account. If chime direct deposit not early a trusted PayPal user (read the PayPal terms and conditions), you’ll receive your funds instantly. If you’re not a trusted user, you’ll have to wait for 21 days to access your funds.


Doordash offers their delivery drivers the option of Fast Pay, chime direct deposit not early same-day payment system. To qualify for this program, you’ll have to deliver 25 orders in your Doordash career and use the app for at least two weeks beforehand.

Fast Pay lets drivers collect their earnings instantly instead of waiting for the weekly direct deposit. You have to pay a $ fee every time you use Fast Pay, which can add up if you’re not paying close attention. 


Uber gives you the ability to withdraw your earnings five times a day. Riders pay a flat rate per ride, with some going to the driver and the rest going to Uber. After you give someone a ride, you can use the Instant Pay function.

Instant Pay lets you withdraw your money instantly. When you request a payout, Uber will credit your debit card with the amount you withdraw. You should receive confirmation from your bank account within an hour that the deposit has gone through.


Lyft, like Uber, offers a same-day payout they call Express Pay. Once you get approved to drive for Lyft, you can utilize the Express Pay function as much as you see fit.

All you need to do is send the money to your bank account through Express Pay and you should see it in your account within one to two hours. There is a $ minimum to use the Express Pay function.


Instacart offers their grocery shoppers the option to get same-day pay for their work. Instacart developed Instant Pay, which allows shoppers to opt for daily payments instead of the weekly direct deposit. 

With Instant Pay, Instacart credits your linked bank account with the withdrawn amount. There aren’t any fees associated with the Instant Pay system and you’ll have access to your funds in as little as five minutes, although the average time is about one hour.

The Bottom Line

If you’re looking for a way to get your money faster without taking out a payday loan, early direct deposits may be the solution for you. With a range of qualified digital banks on this list, you’re sure to find one that suits your needs. 

Chime Bank is, in our opinion, the clear frontrunner when it comes to digital banks that help you get paid early. With no fees, a Visa debit included, and free overdraft protection, Chime offers something for all their customers. 

If Chime bank doesn’t suit your needs, other banks on this list certainly will. Whether you’re in the market for a higher interest rate or you need access to ATM deposits and withdrawals, you’ll find a digital bank that covers all your bases. 

If you’re in need of a same-day paying side hustle, try Uber, Lyft, or another side-job app. They offer same-day payments to their workers, although watch out for fees as they can add up quickly.


iPhone Screenshots


Chime is the banking app that has your back. Keep your money safe with security features, overdraft up to $ fee-free*, and get paid up to 2 days early with direct deposit^, with no hidden fees‡.

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC

Stay in control of your money with two-factor authentication, TouchID, or FaceID. Enable instant transaction alerts and daily balance updates, and block your card in a single tap.

We get it– when your balance is running low, the last thing you need is a $32 overdraft fee. Eligible members on Chime can overdraft up to $* on debit card purchases with no fees.

Your account shouldn’t cost you money. Chime has no monthly maintenance fees, chime direct deposit not early balance fees, or foreign transaction fees. Plus, access 60k+ fee-free ATMs at locations like Walgreens, 7-Eleven, CVS, and more.

Get your paycheck up to two days early^ with direct deposit, earlier than you would with some traditional banks.

Whether it’s for gas or groceries, use Credit Builder¹ to help increase your credit score by an average of 30 points² with regular on-time payments.

No interest, no annual fees, no credit check to apply.

Save money without even thinking about it. Automatic Savings features help you save money any time you spend or get paid.

Send money to friends, family, or roommates as fast as a text – with no transfer fees.


Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. Debit card and Credit card may be used everywhere Visa credit cards are accepted.

*Chime SpotMe are baby tomatoes good for you an optional, no fee service that requires $ in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases initially, but may be later eligible for a higher limit of up to $ or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. SpotMe won't cover non-debit card purchases, including ATM withdrawals, ACH transfers, Pay Friends transfers, or Chime Checkbook terms and conditions.

‡Out-of-network ATM withdrawal fees apply except at Moneypass ATMs in a 7-Eleven location or any Allpoint or Visa Plus Alliance ATM. ATM withdrawals will be fee-free at all Moneypass ATMs until at least August 7, Other fees such as third-party and cash deposit fees may apply.

^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

¹To be eligible to apply for Credit Builder, you need to have received a qualifying direct deposit of $ or more to your Spending Account within days of your Credit Builder application. See for detail on qualifying direct deposit.

²Based on a representative study conducted by TransUnion®, members who started using Chime Credit Builder in September observed a median credit score (VantageScore ) increase of 30 points by January On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.


Life is all about the right opportunities—you just have to know how to spot them. For example: if you’re here weekly, you know each update is another opportunity to keep the app running better than a Black Friday shopper at a pile of flatscreens. Like this week’s version, packed with performance and visual upgrades. You know who couldn’t see opportunities? Whoever invented the oven mitt and didn’t call it a Gloven. People would have a Gloven on their Black Friday shopping lists for sure.

Ratings and Reviews

out of 5

K Ratings

I LOVE this Bank!!

I have been with Chime for quite some time now and let me tell ya, when I say they are amazing THEY ARE AMAZING!! I was with a Credit Union for a little while and they told me I was set up with an account that I couldn’t over draft in yet every payday I was magically some odd amount in the negative. It NEVER failed! Then, I decided to give Chime a chance and see what happened. NOT ONLY do they not charge fees but they have this really cool setting that makes it SUPER easy to
save called “Round Up” and basically what that does is every time you add money to your account it saves a percentage of that amount. Which is BEYOND helpful. It does the same when you spend money as well, except, it rounds up to the next dollar amount I believe. Their customer support via Phone/Email is FANTASTIC! The workers are so sweet and helpful and anytime I’ve had to call they fixed what ever I needed! I’ve only had to call them twice and neither were to complain but to figure out something or get an answer to a question I didn’t know.

I’m not gonna lie, at first I thought it was a scam, or just another ad on FB but I am honestly SO happy that I switched. If it wasn’t for them my taxes would’ve already been fully spent and most of it in fees 😂 I HIGHLY recommend dumping your physical bank and joining Chime. It’s worth it I PROMISE!!

What’s the catch?

There isn’t one. When I first heard of chime I thought it was too good to be true, no overdraft fees, building your credit without having to remember there’s a bill at the end of the month (you have to turn safe credit building on). I’ve lived on my own since I was 16 and when I tried renting apartments at 18, I discovered my lack of credit history was a big issue. Within a few months I got my first credit score, the card they issue essentially works like a debit card. It’s a credit builder card therefore, I have a perfect payment history, a score of firstthenand as of right now. They also have other resources for a select few insurance companies, investment apps, cash back savings apps etc. There is no overdraft fee, though it is possible to overdraft but not over the spot me limit you’re allowed. If you’re not one that likes over drafting anyway, I’d turn “spot me” off. That way whatever purchase that’s over your available spending balance will be declined. And the best part about online banking is that you can disable your cards anytime you want to avoid unauthorized transactions. Also there is a $ bonus for you and each person you refer that signs up and gets $+ direct deposited within the first 45 days of creating the account I believe.

amazing if you live paycheck to paycheck

i switched to chime because simple bank became bbva. getting my paycheck a couple days early and not being able to overdraft were what drew me. the credit builder account was a surprise to me and i love it. i have poor credit and this is such an easy way to build credit.

the BEST part of the app for me though is that when i get paid it direct deposits to my credit builder account and i have all my bills taken out of that. so when i get paid i look at what will need to be paid that paycheck and i put fun money in my spending account. it’s a lifesaver if you’re prone to dip into bill money. if you overdraft on your spending account, spot me will cover it up to $20 off the bat (tried and true, my friends), and it WILL NOT pull from credit builder or savings. because i live paycheck to paycheck i don’t really have a savings account, but i do use their round-up feature. you’ll be surprised how quickly you save with it. it’s really helping me get my financial situation together.

it can be really hard to find a bank or budgeting app that works well for people who live paycheck to paycheck (makes me feel so dumb that i can’t budget for a whole month), but CHIME IS IT FOR ME. Seriously, give them a chance. Customer service is great, too.

The developer, Chime Financial, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • Contacts
  • User Content
  • Identifiers
  • Usage Data
  • Sensitive Info
  • Diagnostics
  • Other Data

Privacy practices may vary, for example, based on the features you use or your age. Learn More


Chime Financial, Inc.



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Requires macOS or later and a Mac with Apple M1 chip.

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This app may use your location even when it isn’t open, which can decrease battery life.

© Chime



  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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