Direct deposit is the most common way that employees receive their paychecks these days, and one of the main reasons why is that the employees don’t even have to visit a bank to access their funds.
Most Workers can expect their paycheck direct deposit to show on their bank account between 12:00am and 6:30am. The time of day a bank posts direct deposit is different for every bank.
For example, Wells Fargo typically posts by 6:30 am EST, Citibank posts between 12:00 a.m. and 7:00 a.m, and Bank of America deposits are posted immediately.
They can start using their money as soon as it lands in their account, which is incredibly convenient. Not only is it easier for you to access your money, but it’s safer than carrying around a physical paycheck as well.
If you’re not getting your paycheck deposited directly into your account, you are adding extra time between getting paid and actually being able to use your cash.
Plus, you’re taking a chance that your paycheck could get lost or stolen. Since different banks have varying direct deposit times, it’s important to know when your bank makes these deposits so that you know when your money is available for withdrawal.
|Bank||Direct Deposit Time|
|Axos Bank||Direct deposits can be accessed up to two days before payday, depending on when the deposit is initiated|
|Fidelity||Direct deposits will post to accounts between 12:00 a.m. and 7:00 a.m. on payday|
|Woodforest National Bank||All deposits (direct or otherwise) are available on the day of the deposit as long as they are made before 8:00 p.m. CST|
|Bank of America||Deposits are available on the day they are made and are credited immediately|
|Fifth Third Bank||Deposits will post to accounts between 12:00 a.m. and 6:00 a.m. on payday|
|Wells Fargo||Typically, direct deposits are posted to accounts by 6:30 a.m. EST on payday|
|BB&T||Deposits will be available in accounts between 12:00 a.m. and 6:00 a.m. on payday|
|Navy Federal Credit Union||Direct deposits will post to accounts between 12:00 a.m. and 6:00 a.m., Monday through Friday|
|USAA||Deposits are made available one business day before payday|
|BBVA||Direct deposits are made available the same day they are initiated|
|PenFed Credit Union||Deposits usually arrive in accounts between 7:30 a.m. and 8:30 a.m. EST|
|U.S. Bank||Payroll deposits are available by 8:00 a.m. PST on payday|
|BECU||Direct deposits arrive in accounts between 12:00 a.m. and 2:00 a.m. PST|
|PNC Bank||Usually, deposits will post to accounts between 12:00 a.m. and 8:00 a.m. EST|
|TD Bank||Direct deposit funds are deposited at 6:00 a.m. on payday.|
|Capital One||Funds will be in accounts no later than 9:00 a.m. EST|
|Security Service Federal Credit Union||Direct deposits will be available in accounts between 4:30 a.m. and 6:00 a.m. CST|
|SunTrust Bank||Deposits will post to accounts between 12:00 a.m. and 7:00 a.m. EST|
|Citibank||Direct deposits are available in accounts between 12:00 a.m. and 7:00 a.m.|
|State Employees Credit Union||As long as the employer sends in payroll information by 5:30 p.m. the night before, deposits will be in accounts first think in the morning|
|Citizens Bank||Funds are available from direct deposit between 3:00 a.m. and 6:00 a.m. EST on payday|
|Regions Bank||Deposits are initiated a day before payday and are available in the morning of payday, before 9:00 a.m.|
|Santander Consumer Bank||Deposits typically occur between 6:00 a.m. and 9:00 a.m. on the day the deposit is received|
|HSBC||Direct deposits initiated after 12:00 a.m. are available that same day, usually between 12:00 a.m. and 2:00 a.m.|
|Central National Bank||Direct deposits that are initiated the day before payday are posted to accounts between 1:00 a.m. and 4:00 a.m. on payday|
|First American Bank||Direct deposits that are initiated the day before payday are available between 2:00 a.m. and 5:00 a.m.|
|UnionBank||Direct deposits are processed at approximately 8:30 p.m. the night before payday|
Axos Bank is one of the few financial institutions that allows you to access your direct deposits earlier than payday. As long as the deposit is initiated before 3:00 p.m., you can access your money that same day, which can be up to two days before your actual payday.
With Fidelity, you’ll have access to your direct deposit on payday between the hours of 12:00 a.m. and 7:00 a.m. Your employer initiates the deposit the day before payday, it processes overnight, and lands in your account in the morning, and will never be later than 7:00 a.m.
Woodforest National Bank
All deposits at Woodforest National Bank have same-day access as long as the deposit is initiated prior to 8:00 p.m. CST. This is true for deposits you make at the bank and for direct deposits initiated by your employer or other organization. On payday, the time your payment will post depends on when it is initiated.
Bank of America
You will typically be able to access all deposits on the same day they are initiated, but cut-off times do apply and are usually based on the branch’s closing time. Direct deposits are available immediately upon receipt of your employer’s transmittal, so the time your paycheck is available depends on when your HR department initiates the deposit.
Fifth Third Bank
Direct deposits to Fifth Third Bank will appear in accounts between 12:00 a.m. and 6:00 a.m. Employers initiate deposits the night before payday and they process overnight before being accessible for withdrawal in the early hours of payday. You will also be able to see the deposit processing before it’s credited to your account.
Deposits made directly to your account from your employer are usually available by 6:30 a.m. EST on payday. Your employer must initiate the transaction on the day before payday so that the deposit can process overnight and post to your account in the morning, when your funds will be available for withdrawal.
Your employer will initiate the direct deposit of your paycheck the day before payday so that it can process overnight. The funds will be available in your account between 12:00 a.m. and 6:00 a.m. EST., which, even at the latest, is hours before bank branches open.
Navy Federal Credit Union
As long as your employer initiates a direct deposit on a business day, your money will be in your account between 12:00 a.m. and 6:00 p.m. for a Monday through Friday payday. A direct deposit initiated on Friday will not be in your account until the following Monday.
As an added benefit of belonging to USAA, you’ll be able to access your direct deposit funds up to one business day before your actual payday. This is, of course, depending on when your employer sends your paycheck information to the bank, but as long as the information is there, you can withdraw your money early.
Your paycheck will be available in your BBVA account on the same day your employer initiates the direct deposit. It can appear in your account at any time on payday, usually within minutes of the bank receiving the electronic transfer order from your employer.
PenFed Credit Union
All direct deposits initiated the day before payday will post to accounts at PenFed Credit Union between 7:30 a.m. and 8:30 a.m., making it a bank that provides access to funds slightly later in the morning than most other banks. However, it is still accessible fairly early compared to traditional deposits.
While direct deposits will usually post to accounts earlier on payday at U.S. Bank, they will never be later than 8:00 a.m. PST. You’ll usually have access to the money significantly before 8:00 a.m., but that is the latest it will arrive as long as your employer initiates the deposit the day before.
Your paycheck will be in your account at BECU before you even wake up in the morning on payday because direct deposits post to BECU accounts between 12:00 a.m. and 2:00 a.m. on payday. This makes it one of the earliest times that paycheck funds are available.
You may have to wait until as late as 8:00 a.m. EST to access your direct deposit funds at an account at PNC Bank, but the money could also post to your account as early as 12:00 a.m. on payday.
Payroll direct deposits are always posted to accounts at 6:00 a.m. on payday. The nice aspect of having just one time when a direct deposit posts is that you never have to guess when it will be in your account. At 6:00 on payday, your money will be there.
Capital One has one of the latest potential posting times for direct deposit of any bank, as your fund may not be available on payday until as late as 9:00 a.m. EST. However, in most cases, your paycheck will post earlier in the morning.
Security Service Federal Credit Union
You can expect your paycheck to be available in your account between 4:30 a.m. and 6:00 a.m. CST on payday. In most cases, your money will be there for you to access by the time you wake up on payday.
Employees who have accounts at SunTrust Bank will see their paycheck deposits in their accounts between 12:00 a.m. and 7:00 a.m. EST on payday. Employers will need to initiate the transaction at least one business day prior to payday to ensure this deposit occurs on time.
Citibank account holders can expect to see their payroll direct deposits in their accounts between 12:00 a.m. and 7:00 a.m. on payday. While these deposits usually appear in accounts earlier in the morning on paydays, they can post as late as 7:00 a.m.
State Employees Credit Union
As long as your employer initiates the payroll direct deposit by 5:30 p.m. on the day before payroll, your funds will be available first thing in the morning on payday. The exact time may vary, but the transaction is processed overnight for early availability.
When an employer initiates a direct deposit, it will be available in employee accounts at Citizens Bank between 3:00 a.m. and 6:00 a.m. EST the following day, which would be the designated payday. You may see a pending transaction before 3:00 a.m., but the funds will not be available.
Direct deposits from employers are initiated a day in advance of payday with Regions Bank. They process overnight and the money will be in your account, ready to use by 9:00 a.m. EST, which is before most bank branches even open. This means you’ll have your money early on payday.
Santander Consumer Bank
You will see your paycheck in your account at Santander Consumer Bank between 6:00 a.m. and 9:00 a.m. on the day the deposit is received. If your payroll company sends the deposit earlier than payday, you will see the deposit in your account early as well. You will have access to your funds the same day you receive them.
While there is no specific time frame indicated when direct deposits are available, if one is initiated after 12:00 a.m. on any business day, the funds will be available that day by 11:59 p.m. Typically, real-time deposits are available within 30 seconds, which means your funds will usually be available shortly after 12:00 a.m., and never later than 2:00 a.m.
Central National Bank
Employers initiate payroll direct deposits a day before they are deposited into Central National Bank accounts. The funds appear in accounts between 1:00 a.m. and 4:00 a.m. on payday, making them available for use when you wake up in the morning. Direct deposits are always available the same day they are deposited.
First American Bank
As long as your employer initiates the direct deposit before 5:00 p.m. ET the day before payday, your account at First American Bank will reflect the deposit between 2:00 a.m. and 5:00 a.m. on payday. You can access the funds as soon as they are posted to your account.
With a Union Bank account, you’ll be able to access your payroll at approximately 8:30 p.m. the night before payday. For example, if your payday is Friday, your funds will be available to you for use on Thursday evening after 8:30 p.m., giving you access to your money earlier than many other banks.
Benjamin is a certified financial advisor, with over 10 years of experience in the industry. He is knowledgeable about various business and financial topics, such as retirement planning and investment management. Ben has been recognized for his work in the financial planning industry. He has also been featured in various publications.