Get Paid Early

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 $500 in deposits per month, you’ll also qualify for their free overdraft protection service, SpotMe. SpotMe allows you to have $100 in overdraft protection without having to pay any fees.

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Chime’s checking account doesn’t offer any interest, but you can always open a Chime savings account. A savings account from Chime gives you a 0.5% 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 $4.99 a month service fee.

Current is still a good choice for you if you want the ability to use ATMs. With over 55,000 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 features. 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

Chime Bank began in 2013 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 $500 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 $250,000 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

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 55,000 ATMs to withdraw money. If you use another ATM, you’ll be charged a $2.50 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 $4.99 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 $100 in overdraft protection for free. They call this feature “Overdrive,” and they offer it to any customer with $500 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 55,000 ATMs for withdrawals, but if you use a non-partnered ATM, you’ll be charged a $2.50 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 $1000 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

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 $100 and $500 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 limit 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 $1,000 a month gets a 3% rate, while deposits up to $25,000 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 $2.50 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

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

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 $100 to open an account. If you want to earn interest on your money, you need to have more than $2,500 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 best 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 you’re 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, their 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 $1.99 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 $5.50 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.

Recommended Digital Banking Apps
The Future of Banking
Earn 6% on Crypto
2% Cashback on Purchases at Approved Merchants

As a mobile banking app affiliate, I earn from qualifying purchases.

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As a Current mobile banking app affiliate, I earn from qualifying purchases.
topmobilebanks logo


As a Current mobile banking app affiliate, I earn from qualifying purchases.