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You can get your paycheck into your account up to two days early with several banks. Other institutions make money by holding onto your paycheck longer to earn interest on the funds. Early direct deposits give you quicker access to your money and may let you earn interest sooner. Direct deposit is the fastest way to get your paycheck into your checking account. Some of the best checking accounts make this process even faster by implementing early direct deposit features. Early direct deposit can effectively get your paycheck into your checking account up to two days early. Below, find 31 accounts from banks offering two-day early paychecks, an explanation of how they can do it, and why it can be smart to take advantage.
Featured Checking Account for Getting Paid 2 Days Early
Chime® Checking Account
Start banking
On Chime’s website
Icon of check mark inside a promo stamp
It indicates a confirmed selection.
Perks
Get paid up to 2 days early with direct deposits
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No minimum opening deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No monthly service fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Receive your paycheck up to 2 days early
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Rounds debit card purchases up to the nearest dollar and puts spare change in your Chime Savings Account
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No overdraft fees for overdrafts up to $200 with SpotMe®, if you qualify
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No foreign transaction fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Request checks be sent to recipients online
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Can deposit cash at select retailers
Cons
con icon
Two crossed lines that form an ‘X’.
$2.50 out-of-network ATM fee
con icon
Two crossed lines that form an ‘X’.
No overdraft protection for overdrafts exceeding $200
con icon
Two crossed lines that form an ‘X’.
No physical checkbook
Insider’s Take
Chime has one of the best checking accounts out there, but it doesn’t offer joint accounts or pay the best savings rate. Its strongest feature is that it’s great for people who might not qualify to open accounts elsewhere — it doesn’t check your credit score or banking history when you apply for a checking account, savings account, or credit card. It also provides several credit-building tools.
Chime Checking Account
review
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Product Details
Get paid up to 2 days early with direct deposits
60,000+ free ATMs nationwide through MoneyPass® and Visa® Plus Alliance
Free cash deposits at Walgreens; May deposit cash at other select retail locations but you may be charged a fee
Rounds debit card purchases up to the nearest dollar and moves spare change into your Chime Savings Account
Qualify for SpotMe® overdraft protection by receiving $200 in direct deposits per month
Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.
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Bank Accounts with Early Direct Deposits 1. SoFi® Checking and Savings (Member FDIC)
SoFi® Checking and Savings (Member FDIC)
Start saving
SoFi Bank, N.A., Member FDIC
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4.75 /5
Icon of check mark inside a promo stamp
It indicates a confirmed selection.
Perks
Info icon
New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/26. See full bonus and annual percentage yield (APY) terms at sofi.com/banking#1.
SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi members with direct deposit are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
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Earn up to a $300 bonus with qualifying direct deposits for eligible customers through 1/31/2026. Earn up to 3.80% APY on savings balances (including Vaults) with direct deposit or qualifying deposit.
Fees
no monthly service fee
Annual Percentage Yield (APY)
Info icon
SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi members with direct deposit are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
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up to 3.80%
Minimum Opening Deposit
$0
Bonus
up to $300
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
FDIC insured for $2 million
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
High interest rate
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Earn a higher interest rate with qualifying activities
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No minimum opening deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No monthly service fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Up to $300 bonus with qualifying direct deposit (terms apply)
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Savings tools
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Early direct deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Joint account available
Cons
con icon
Two crossed lines that form an ‘X’.
Declined purchase if you overdraw by more than $50
con icon
Two crossed lines that form an ‘X’.
Doesn’t reimburse out-of-network ATM providers’ fees
con icon
Two crossed lines that form an ‘X’.
May deposit cash at Green Dot locations but there’s a $4.95 fee
Insider’s Take
SoFi Checking and Savings is a great account option if you don’t mind keeping your savings and checking in one account.
SoFi® Checking and Savings (Member FDIC)
review
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Product Details
Sign-up bonus of up to $300. When you sign up and set up direct deposit. Wait for direct deposit to hit account (typically 2-4 weeks). Collect cash bonus of $50 to $300 depending on direct deposit amount
Up to 3.80% APY with direct deposit or $5,000 or more in qualifying deposits during the 30-day evaluation period
FDIC Insured and covered up to $2 million in FDIC coverage through a network of participating banks
55,000+ fee-free ATMs
Show Pros, Cons, and More
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2. Axos Bank Essential Checking
Axos Bank Essential Checking
Start banking
Axos Bank, Member FDIC
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4.25 /5
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
None
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No monthly service fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Receive your paycheck up to 2 days early
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Unlimited out-of-network ATM fee reimbursements
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Multiple overdraft protection options
Cons
con icon
Two crossed lines that form an ‘X’.
No physical branch locations
con icon
Two crossed lines that form an ‘X’.
Deposit cash through Green Dot, which may charge fees
Axos Bank Essential Checking
review
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Product Details
Online-only account
If you don’t enroll in overdraft protection, purchases that would overdraw your account will be denied
FDIC insured
Show Pros, Cons, and More
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3. Chime® Checking Account
Chime® Checking Account
Start banking
On Chime’s website
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4.5 /5
Icon of check mark inside a promo stamp
It indicates a confirmed selection.
Perks
Get paid up to 2 days early with direct deposits
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No minimum opening deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No monthly service fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Receive your paycheck up to 2 days early
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Rounds debit card purchases up to the nearest dollar and puts spare change in your Chime Savings Account
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No overdraft fees for overdrafts up to $200 with SpotMe®, if you qualify
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No foreign transaction fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Request checks be sent to recipients online
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Can deposit cash at select retailers
Cons
con icon
Two crossed lines that form an ‘X’.
$2.50 out-of-network ATM fee
con icon
Two crossed lines that form an ‘X’.
No overdraft protection for overdrafts exceeding $200
con icon
Two crossed lines that form an ‘X’.
No physical checkbook
Insider’s Take
Chime has one of the best checking accounts out there, but it doesn’t offer joint accounts or pay the best savings rate. Its strongest feature is that it’s great for people who might not qualify to open accounts elsewhere — it doesn’t check your credit score or banking history when you apply for a checking account, savings account, or credit card. It also provides several credit-building tools.
Chime Checking Account
review
External link Arrow
An arrow icon, indicating this redirects the user.”
Product Details
Get paid up to 2 days early with direct deposits
60,000+ free ATMs nationwide through MoneyPass® and Visa® Plus Alliance
Free cash deposits at Walgreens; May deposit cash at other select retail locations but you may be charged a fee
Rounds debit card purchases up to the nearest dollar and moves spare change into your Chime Savings Account
Qualify for SpotMe® overdraft protection by receiving $200 in direct deposits per month
Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.
Show Pros, Cons, and More
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4. Ally Spending Account
Ally Spending Account
Start banking
Ally Bank, Member FDIC
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4.75 /5
Fees
no monthly service fee
Annual Percentage Yield (APY)
0.10% to 0.25%
Minimum Opening Deposit
$0
Bonus
N/A
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Spending buckets to manage expenses
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Competitive APY
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No initial deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No minimum account balance
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No monthly service charge
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Connect your account with Zelle
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Easy-to-use mobile app
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Early direct deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Reimburses up to $10/month in out-of-network ATM fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Online bill pay
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
24/7 customer service
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No overdraft fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Overdraft protection
Cons
con icon
Two crossed lines that form an ‘X’.
No physical branch locations
con icon
Two crossed lines that form an ‘X’.
No way to deposit cash
Ally Spending Account
review
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Product Details
You can deposit checks right from your smartphone
Manage expenses by creating spending buckets
Ally reimburse’s up to $10 per statement cycle for fees charged at other ATMs nationwide
Transfer money with your voice through Ally Skill™ for Amazon Alexa
Interest compounded daily, paid monthly
FDIC insured
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5. Albert Cash Account
Albert Cash Account
Start banking
Albert, FDIC Insured
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4 /5
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No minimum opening deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No monthly service fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No overdraft fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Earn cash back
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Receive paychecks up to 2 days early
Cons
con icon
Two crossed lines that form an ‘X’.
$2.50 out-of-network ATM fee
con icon
Two crossed lines that form an ‘X’.
With a Genius Subscription, you may qualify for Instant Overdraft and overdraw between $25 and $250
con icon
Two crossed lines that form an ‘X’.
No way to deposit cash
con icon
Two crossed lines that form an ‘X’.
No joint accounts
Albert Cash Account
review
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An arrow icon, indicating this redirects the user.”
Product Details
55,000 free ATMs, with an ATM locator in the app
Deposit cash via direct deposit, mobile check deposit, or transfers from other bank accounts
Activate cash-back rewards with one merchant at a time, within your mobile app
FDIC insured through partner institution, Sutton Bank
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6. Chase Secure Banking℠
Chase Secure Banking℠
Start banking
On Chase’s website
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
3.75 /5
Icon of check mark inside a promo stamp
It indicates a confirmed selection.
Perks
Earn $100 when you open a Chase Secure Banking account as a new Chase checking customer with qualifying transactions (offer expires 4/16/2025)
Fees
$4.95 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
Bonus
Info icon
Earn $100 when you open a Chase Secure Banking account as a new Chase checking customer with qualifying transactions (offer expires 4/16/2025)
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$100
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No minimum opening deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No overdraft fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Free money orders and cashier’s checks
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Early direct deposit (up to 2 days early)
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
$100 bonus
Cons
con icon
Two crossed lines that form an ‘X’.
$4.95 monthly service fee
con icon
Two crossed lines that form an ‘X’.
No overdraft protection
con icon
Two crossed lines that form an ‘X’.
Fees for non-Chase ATM
con icon
Two crossed lines that form an ‘X’.
Does not include paper checks
con icon
Two crossed lines that form an ‘X’.
No wire transfers to or from this account with qualifying transactions
Insider’s Take
Chase is one of the best national banks out there. It has several types of checking accounts, but Chase Secure Banking℠ is the only one that offers early direct deposit so you can receive paychecks up to two days early. But if early direct deposit doesn’t matter to you, you may be more interested in another Chase checking account — one that lets you waive the monthly fee or enroll in overdraft protection.
Chase Secure Banking℠
review
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Product Details
New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
No need to worry about overdraft fees – Chase Secure Banking℠ allows you to spend only the money you have available.
Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
JPMorgan Chase Bank, N.A. Member FDIC.
Show Pros, Cons, and More
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7. Andrews Federal Credit Union Online Checking Account
Andrews Federal Credit Union Online Checking Account
Start banking
AFCU, NCUA Insured.
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
3.75 /5
Fees
$10 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$5
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
$5 minimum opening deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Receive your paycheck up to 1 day early
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Overdraft protection by linking to savings or using an overdraft line of credit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Possible to waive monthly service fee
Cons
con icon
Two crossed lines that form an ‘X’.
$1 out-of-network ATM fee
con icon
Two crossed lines that form an ‘X’.
$10 monthly service fee
con icon
Two crossed lines that form an ‘X’.
$32 overdraft fee
Product Details
Black-owned credit union with branches in DC, MD, NJ, VA, and WA; branches in Belgium, Germany, and the Netherlands
5,000 shared branches in the CO-OP Shared Branch network
30,000 free ATMs in the US in the CO-OP Shared ATM network
Join Andrews FCU by being an employee/member by one of the credit union’s Employer Groups; live, work, study, or worship in DC; are a member of the American Consumer Council; are an immediate family or household member of an Andrews FCU member; are an active military member or veteran, or a family member of someone who served at Joint Base Andrews or Joint Base McGuire-Dix-Lakehurst; are a civilian personnel of Joint Base Andrews or Joint Base McGuire-Dix-Lakehurst, or a family member; are a qualifying military member or civilian personnel of the Department of Defense, or a family member; otherwise qualify based on military affiliation
To waive monthly $10 service fee you must fulfill one of the following requirements: Make at least 10 debit card transactions per month; are under the age of 24; OR are a U.S. military member
You must open a Base Share Savings Account to become an Andrews FCU member
Federally insured by the NCUA
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8. Credit Karma Money Spend Account
Credit Karma Money Spend Account
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
3.75 /5
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No minimum opening deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No monthly service fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No overdraft fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No out-of-network ATM fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Receive your paycheck up to 2 days early
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Instant Karma gives you the chance to receive a purchase reimbursement
Cons
con icon
Two crossed lines that form an ‘X’.
No physical locations
con icon
Two crossed lines that form an ‘X’.
No joint accounts
con icon
Two crossed lines that form an ‘X’.
Doesn’t reimburse fees charged by out-of-network ATM providers
con icon
Two crossed lines that form an ‘X’.
No way to deposit cash
con icon
Two crossed lines that form an ‘X’.
No option to overdraw
con icon
Two crossed lines that form an ‘X’.
Florida and New York residents are not eligible for Instant Karma benefits
Credit Karma Money Spend Account
review
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Show Pros, Cons, and More
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9. Current Account
Current Account
Start banking
On Current’s website
Rates & Fees
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4 /5
Fees
no monthly service fee
Annual Percentage Yield (APY)
up to 4.00% bonus
Minimum Opening Deposit
$0
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
3 Savings Pods that let you earn up to 4.00% bonus
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No minimum opening deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No monthly service fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No overdraft fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No instant transfer fees to other Current members
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Early direct deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Debit card included
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Budgeting tools: Round-ups and Spending Insights
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Earn cash back on debit card purchases
Cons
con icon
Two crossed lines that form an ‘X’.
$2.50 out-of-network ATM fee
con icon
Two crossed lines that form an ‘X’.
Can’t overdraw from your account without the Overdrive feature
Current Account
review
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Product Details
Access to 40,000 fee-free Allpoint ATMs
You may overdraw up to $200 from your account with no overdraft fees if you’re eligible for Overdrive
To be eligible for the Overdrive feature, you’ll need to receive direct deposits $500 per month
3 Savings Pods: You may deposit up to $2,000 in each Savings Pod; Money that is kept in Savings Pods can earn 4.00% bonus
Round-Ups: Debit card purchases are rounded up to the nearest dollar and the change is deposited into a Savings Pod
Spending Insights: You can create a budget that keeps track of specific categories of spending; Spending Insights monitors how much you spend and can issue alerts if you are close to your limit
Cash back: You can earn cash back at 14,000 select stores when you use your debit card; Points be redeemed at the Current Shop for cash
Issued through Choice Financial Group (Member FDIC)
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10. Dave Spending Account 11. Dora Financial Everyday Checking Account
Dora Financial Everyday Checking Account
Start banking
Dora, FDIC Insured Account
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
3.75 /5
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Bank On certified bank account
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No minimum opening deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No monthly service fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No credit check
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No overdraft fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Early direct deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
App fully in English or Spanish
Cons
con icon
Two crossed lines that form an ‘X’.
$1 out-of-network ATM fee
con icon
Two crossed lines that form an ‘X’.
Limited customer service support
Dora Financial
review
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Product Details
Access to 30,000 surcharge-free ATMs
The Everyday Checking Account serves as a second chance bank account, so it won’t allow you to overdraw from your account
NCUA insured through US Alliance Financial
Show Pros, Cons, and More
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12. Fifth Third Momentum Checking
Fifth Third Momentum Checking
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4 /5
Icon of check mark inside a promo stamp
It indicates a confirmed selection.
Perks
Earn a $300 cash bonus when you provide the offer code and make a direct direct deposit of $2,000 or more within 90 days of account opening (offer expires March 31, 2025)
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
Bonus
Info icon
Earn a $300 cash bonus when you provide the offer code and make a direct direct deposit of $2,000 or more within 90 days of account opening (offer expires March 31, 2025)
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$300
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No monthly service charge
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Early direct deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Unlimited check writing
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Free overdraft protection
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Fifth Third Extra Time waives some overdraft fees
Cons
con icon
Two crossed lines that form an ‘X’.
$2.75 out-of-network ATM fee
con icon
Two crossed lines that form an ‘X’.
$37 overdraft fee
Insider’s Take
You may want to consider Fifth Third Bank if you live in the Southeast or Midwest. It has a strong free checking account with several overdraft protection options and a good range of CDs. You’ll earn the best CD rates at online banks, though.
Fifth Third Momentum Checking
review
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Product Details
Earn $300 cash bonus when you make a direct deposit of $2,000 or more within 90 days of account opening (offer expires March 31, 2025)
Over 1,087 branches in 11 states in the Southeast and Midwest
Over 40,000 free ATMs through the Allpoint, Presto!, and 7-Eleven ATM networks
Get free overdraft protection if you link your checking account to a savings account or get a line of credit
If you don’t have overdraft protection, Fifth Third Extra Time waives overdraft fees if you restore your account balance before midnight the following business day
Member FDIC
Show Pros, Cons, and More
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13. Greenwood Spending Account
Greenwood Spending Account
Read Review
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4 /5
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No minimum opening deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No monthly service fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No overdraft fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
2-day early direct deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Zero liability for unauthorized debit card transactions
Cons
con icon
Two crossed lines that form an ‘X’.
$2.50 out-of-network ATM fee at domestic ATMs
con icon
Two crossed lines that form an ‘X’.
$5 out-of-network ATM fees at international ATMs
con icon
Two crossed lines that form an ‘X’.
Can’t overdraw from account
Greenwood Spending Account
review
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Product Details
Black-owned online banking platform
Surcharge-free withdrawals at Allpoint, MoneyPass, Wells Fargo, and PNC ATMs
Greenwood will donate the equivalent cost of 5 meals to Goodr when you open a Greenwood account
If you add your Greenwood Debit Card to the Greenwood Gives Back Program, Greenwood will round up debit card purchases and donate the change to the National Association for Advancement of Colored People, United Negro College Fund, or Goodr
If you select a Premium Debit Card instead of a standard debit card, you can be eligible for rewards like travel perks or discounts on golf courses, but there’s a $10 monthly service fee
If you overdraw from your account and have a negative you must deposit money from an external bank account to restore your balance or your account may be suspended temporarily or permanently
Banking services are provided by Coastal Community Bank, Member FDIC
Show Pros, Cons, and More
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14. GTE Financial Full Access Checking Account
GTE Financial Full Access Checking Account
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4 /5
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
None
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No minimum opening deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Get your paycheck up to 1 day early
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Free overdraft protection if you have another GTE Financial account
Cons
con icon
Two crossed lines that form an ‘X’.
Early direct deposits are $3 per paycheck
con icon
Two crossed lines that form an ‘X’.
$4.95 monthly service fee
Product Details
Credit union, so membership required; several ways to become a member, including joining CU Savers with a one-time $10 fee
23 locations around Tampa, but membership available nationwide
Free access to 30,000 ATMs
Waive the $4.95 monthly service fee by enrolling in eStatements AND making $500 in deposits per month, OR making 15 debit card or credit card transactions per month
Federally insured by the NCUA
Show Pros, Cons, and More
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This credit union has four checking accounts, including a checking account for teens and students. GTE Financial Full Access Checking is its most basic checking account, but all four offer early direct deposit. 15. Huntington Bank Perks Checking
Huntington Bank Perks Checking
Start banking
Huntington Bank, Member FDIC
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4 /5
Icon of check mark inside a promo stamp
It indicates a confirmed selection.
Perks
Earn $400 when you open a new Perks Checking account and set up and receive total qualifying direct deposits of $500 or more within 90 days of account opening and keep account open for 90 days (offer expires February 7, 2025).
Fees
$10 monthly service fee
Annual Percentage Yield (APY)
0.02%
Minimum Opening Deposit
$0
Bonus
Info icon
Earn $400 when you open a new Perks Checking account and set up and receive total qualifying direct deposits of $500 or more within 90 days of account opening and keep account open for 90 days (offer expires February 7, 2025).
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$400
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Earn interest on your money
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Earn a higher rate on your Huntington savings or money market account when you have a Huntington Perks Checking account
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No minimum opening deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Waives/reimburses up to 5 out-of-network ATM fees per month
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Receive your paycheck up to two days early
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Monitor your credit score
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
$50 Safety Zone: No overdraft fees if you overdraw by $50 or less
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
24-hour grace period to avoid overdraft fees over $50
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Free overdraft protection
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Open a Premier Savings account with no opening deposit or monthly fee when you have a checking account
Cons
con icon
Two crossed lines that form an ‘X’.
$10 monthly service fee if you don’t qualify to have it waived
con icon
Two crossed lines that form an ‘X’.
$3.50 out-of-network ATM fee
con icon
Two crossed lines that form an ‘X’.
$15 overdraft fee
Insider’s Take
Huntington Bank is a good option if you live near a branch and prefer in-person banking.
Huntington Bank Perks Checking
review
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Product Details
Available to residents of Colorado, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, West Virginia, or Wisconsin
Access to over 1,000 branches and 1,600 ATMs
Earn $400 when you open a new Perks Checking account and set up and receive total qualifying direct deposits of $500 or more within 90 days of account opening and keep account open for 90 days (offer expires February 7, 2025)
$10 monthly maintenance fee waived when you make $1,000 in total monthly deposits OR have $5,000 total in all your Huntington accounts
Free overdraft protection that lets you connect your checking account to another Huntington account
Interest compounded and paid monthly
FDIC insured
Show Pros, Cons, and More
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16. Kinecta Federal Credit Union Classic Checking Account
Kinecta Federal Credit Union Classic Checking Account
Start banking
On Kinecta Federal Credit Union’s website
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4 /5
Fees
$4.95 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No minimum opening deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Early direct deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Free overdraft protection available
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Possible to waive monthly service fee
Cons
con icon
Two crossed lines that form an ‘X’.
$4.95 monthly service fee
con icon
Two crossed lines that form an ‘X’.
$25 overdraft fee
con icon
Two crossed lines that form an ‘X’.
$2 out-of-network ATM fee
Kinecta Federal Credit Union Classic Checking Account
review
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Product Details
29 branches in California, Florida, New Jersey, and New York
Access to over 5,500 shared branches and 85,000 free ATMs through Allpoint and CO-OP networks
To become a member at Kinecta Federal Credit Union, meet one of the four requirements: you have a family member or household member who is a Kinecta member; you work for a Select Employee Group; you live, work, or go to school in select counties in California, Florida, Illinois, New York or Texas; you join the Innovision Society (Kinecta Federal Credit Union will cover your membership fee)
The $4.95 monthly service fee is waived during the first 3 months
After 3 months, you must meet of the following requirements you must meet one of the following requirements to waive the monthly service fee: keep an average monthly balance of $1,500; receive direct deposits or mobile check deposits totaling $250 or more each month; make 10 or more debit card purchases of any amount per month; have a Kinecta credit card in good standing; have a Kinecta mortgage loan or auto loan in good standing; are under the age of 26 or over the age of 62; are active military
Free overdraft protection that lets you link your checking account to your savings account or apply for a line of credit
Federally insured by the NCUA
Show Pros, Cons, and More
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17. LendingClub Rewards Checking Account
LendingClub Rewards Checking Account
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4.25 /5
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It indicates a confirmed selection.
Perks
No monthly service fee. $25 minimum deposit. FDIC Insured.
Fees
no monthly service fee
Annual Percentage Yield (APY)
0.00% to 0.15%
Minimum Opening Deposit
$25 to open, $1,000 to earn interest and 1% cash back on purchases
Bonus
Earn 1% cash back on eligible purchases if you maintain a qualifying balance. Earn 0.15% APY if you have an account balance of $100,000 or higher.
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Earn 1% cash back on credit purchases if you have at a $1,000 balance on your account
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Earn interest on your checking account
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No monthly service fee
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Receive your paycheck 2 days early
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Unlimited refunds on out-of-network ATM fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Overdraft protection is available that lets you link to another account
Cons
con icon
Two crossed lines that form an ‘X’.
$25 minimum opening deposit
con icon
Two crossed lines that form an ‘X’.
Must have $100,000 in your account to earn the highest APY
con icon
Two crossed lines that form an ‘X’.
$25 non-sufficient funds charge
con icon
Two crossed lines that form an ‘X’.
$5 daily overdraft fee after the 5th straight day of a negative balance
con icon
Two crossed lines that form an ‘X’.
Interest compounds monthly, not daily
Insider’s Take
LendingClub has a solid rewards checking account; it lets you earn 1% cash back on qualified debit card purchases if you have $1,000 in your account.
LendingClub Rewards Checking Account
review
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Product Details
Online banking institution with 1 branch in Boston, Massachusetts
Earn 1% cash back on all credit purchases if you have at least $1,000 in your account
Earn 0.00% APY if you have an account balance of $0.00 to $2,4999.99
Earn 0.10% APY if you have an account balance of $2,500 to $99,999.99
Earn 0.15% APY if you have an account balance of $100,000 or higher
Access to over 325,000 surcharge-free ATMs through the NYCE, SUM and MoneyPass ATM networks
Interest compounded monthly, paid monthly
Member FDIC
Show Pros, Cons, and More
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18. Navy Federal Free Active Duty Checking™ Account
Navy Federal Free Active Duty Checking™ Account
Read Review
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4.25 /5
Fees
no monthly service fee
Annual Percentage Yield (APY)
0.05%
Minimum Opening Deposit
$0
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No minimum opening deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Refunds up to $20 per month in out-of-network ATM fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Receive direct deposits one day before payday
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No monthly service fee if you set up military direct deposits
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Free personalized checks
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
3 overdraft protection options: savings transfer, line of credit, or optional overdraft protection service
Cons
con icon
Two crossed lines that form an ‘X’.
Interest compounded monthly, not daily
con icon
Two crossed lines that form an ‘X’.
Free Active Duty Checking is only for active military, retired military, or reservists
Insider’s Take
Navy Federal Credit Union is one of the best institutions for the military. Its strongest features are probably its 24/7 live customer support and out-of-network ATM refunds.
Navy Federal Free Active Duty Checking™ Account
review
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Product Details
Available to active military, retired military, or reservists
Join Navy Federal Credit Union as an active military member, military veteran, Department of Defense employee/retiree, or family member of any of the aforementioned groups
354 branches worldwide, including on select military bases
30,000 free ATMs
Interest compounded monthly, paid monthly
Federally insured by the NCUA
Show Pros, Cons, and More
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19. ONE account
ONE account
Start banking
On ONE’s website
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4.75 /5
Fees
no monthly service fee
Annual Percentage Yield (APY)
up to 4.35%
Minimum Opening Deposit
$0
Bonus
3% cash back on Walmart purchases
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No minimum opening deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No monthly service fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Earn a solid APY on your savings pocket and automatic savings pocket
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Free overdraft protection for up to $200 if you meet certain requirements
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No fee for using an out-of-network ATM if you have direct deposits set up
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Receive paychecks sooner with early direct deposits
Cons
con icon
Two crossed lines that form an ‘X’.
Only earn interest on up to a certain balance
con icon
Two crossed lines that form an ‘X’.
$3.00 out-of-network ATM fee if you do not have direct deposits set up
con icon
Two crossed lines that form an ‘X’.
Doesn’t reimburse any fees charged by out-of-network ATM providers
Insider’s Take
ONE could be a good fit if you are comfortable with keeping your money all in one account. The ONE account pays a competitive interest rate on savings balances up to $250,000 and it’s on par with the savings rates of our best high-yield savings account guide.
ONE account
review
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Product Details
If you receive $500 or more of eligible direct deposits in the previous month or have a total daily account balance of $5,000 or more for at least 3 consecutive months, you’ll be eligible to earn 3% cash back on Walmart purchases (up to $50 annually)
Free access to 55,000 Allpoint ATMs in the US
The ONE Account acts as a hybrid checking/savings account
Set up a Savings Pocket and earn up to 4.35% APY on balances up to $250,000 by either receiving at least $500 in eligible direct deposits each month or having a total daily account balance of $5,000 or more
Round up debit card purchases to the nearest dollar, and the money goes into Auto-Save Pocket; earn 4.35% APY on your Auto-Save Pocket
All other Savings balances will earn 1.00% APY
Overdraft protection for up to $200; To qualify, you must first receive at least $500 in direct deposits for at least 31 days
Deposits are FDIC insured through Coastal Community Bank
Show Pros, Cons, and More
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20. Porte Account
Porte Account
Read Review
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4.25 /5
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
None
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No monthly service fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No minimum opening deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Mobile check deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Receive paychecks up to 2 days sooner with early direct deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Contactless payment option
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Earn cash back at select retailers
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Debt management tools
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Choose a charity, and Porte will donate money
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Turn overdraft features on and off
Cons
con icon
Two crossed lines that form an ‘X’.
No physical branches
con icon
Two crossed lines that form an ‘X’.
$2.50 out-of-network ATM fee
con icon
Two crossed lines that form an ‘X’.
$20 overdraft fee
Porte Account
review
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Product Details
Free access to 32,000 MoneyPass ATMs
True Debt Calculator helps you understand and manage your debt
Choose a charity (Humane Society, Save the Children, or GLAAD), and Porte will donate to it by matching a percentage of your purchases
Earn cash back at select retailers
Contactless pay through Apple Pay, Google Pay, and Tap to Pay
Turn overdrafts on and off — when on, you’ll pay a fee if you overdraft; when off, a purchase that would overdraw will be denied
FDIC insured through MetaBank
Show Pros, Cons, and More
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21. Regions Bank LifeGreen® Checking Account
Regions Bank LifeGreen® Checking Account
Start banking
Regions Bank, Member FDIC
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
3.75 /5
Fees
$8 or $11 monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$50
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Free overdraft protection available
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Receive qualifying direct deposits up to 2 days early
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Possible to waive monthly service fee
Cons
con icon
Two crossed lines that form an ‘X’.
$50 minimum opening deposit
con icon
Two crossed lines that form an ‘X’.
$11 or $8 monthly service fee
con icon
Two crossed lines that form an ‘X’.
$3 out-of-network ATM fee
con icon
Two crossed lines that form an ‘X’.
$36 overdraft fee if overdrawn by more than $5
Regions Bank LifeGreen Checking Account
review
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Product Details
1,300 branch locations in 15 states
2,000 free ATMs
$11 monthly service fee with paper statements, $8 monthly service fee with online statements
To avoid the monthly service fee, keep at least $1,500 in your account monthly, make a $500 single direct deposit, OR a $1,000 combined direct deposit
Free overdraft protection lets you link your checking account to a savings account
Overdraft fee can be avoided by making a deposit before 8 p.m. Central Time the following business day
FDIC insured
Show Pros, Cons, and More
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22. Revolut Account
Revolut Account
Start banking
On Revolut’s website
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
3.75 /5
Fees
no monthly service fees on Standard plan
Annual Percentage Yield (APY)
Info icon
*Annual Percentage Yield (APY) is a variable rate and subject to change. These APYs are accurate as of DATE. Monthly fees apply for Premium and Metal plans. Terms and Conditions Apply. No minimum amount required. Savings Vault services provided by Sutton Bank, Member FDIC
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Standard plan: up to 3.25% APY, Premium plan: up to 4.25% APY, Metal plan: up to 4.25% APY
Minimum Opening Deposit
$0
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No minimum opening deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No monthly service fees on Standard plan
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No overdraft fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Prepaid debit card included (specific card depends on monthly plan)
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Early direct deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Spend abroad in over 140 currencies
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Budgeting features
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Withdraw up to $1,200 from out-of-network ATMs on Metal plan with no fair usage fees
Cons
con icon
Two crossed lines that form an ‘X’.
Can’t overdraw from account
con icon
Two crossed lines that form an ‘X’.
2% fee of ATM withdrawal on out-of-network ATM fees if you exceed the limit
con icon
Two crossed lines that form an ‘X’.
$0.30 to $6 international money transfer fee if you exceed limit
Revolut
review
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Product Details
Access to 55,000 free ATMs through the Allpoint ATM network
Withdraw up to $1,200 from out-of-network ATMs on Metal plan
Spend in more than 140 currencies
Additional international wire transfer fees will depend on the transfer amount and whether there’s a currency exchange
Banking services are provided by Metropolitan Commercial Bank, Member FDIC
Show Pros, Cons, and More
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23. Service Everyday Checking Account
Service Everyday Checking Account
Read Review
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4.5 /5
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No minimum opening deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No monthly service fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No out-of-network ATM fee
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Earn up to $30 per month in out-of-network ATM refunds, depending on tier level
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Earn up to 0.75% discount on certain loans, depending on tier level
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Get paid up to 2 days early
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Transfer funds from savings for overdraft protection
Cons
con icon
Two crossed lines that form an ‘X’.
No ATM fee refunds or loan discounts for Basic tier
con icon
Two crossed lines that form an ‘X’.
Limited fee refunds and loan discounts for Direct Deposit tier
con icon
Two crossed lines that form an ‘X’.
$5 overdraft transfer fee (no fee for Direct Deposit + tier)
Service Everyday Checking Account
review
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Product Details
Join Service Credit Union as an active or veteran military member, former or current employee of the Department of Defense, employee of a Select Employer Group, or member of the American Consumer Council
Branches and ATMs in the US and Europe
Three Everyday Checking tiers: Basic, Direct Deposit, and Direct Deposit +
Basic doesn’t reimburse out-of-network ATM fees or offer loan discounts; Direct Deposit reimburses up to $15 per month in out-of-network ATM fees and offers 0.50% discounts on certain loans; Direct Deposit + reimburses up to $30 per month in out-of-network ATM fees and offers 0.75% on certain loans
Qualify for Direct Deposit tier by setting up direct deposits (minimum $500 in direct deposits each month to qualify for perks); qualify for Direct Deposit + by setting up DFAS direct deposits, OR by setting up direct deposits and making at least 5 payments per month
Federally insured by the NCUA
Show Pros, Cons, and More
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24. Simmons Bank Coin Checking Account
Simmons Bank Coin Checking Account
Read Review
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4 /5
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No minimum opening deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No monthly service fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No out-of-network ATM fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Early direct deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Simmons Bank Round-Ups
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Overdraft protection available
Cons
con icon
Two crossed lines that form an ‘X’.
No checks included
con icon
Two crossed lines that form an ‘X’.
$3 paper statement fee (no fee for online statements)
con icon
Two crossed lines that form an ‘X’.
$36 overdraft fee
con icon
Two crossed lines that form an ‘X’.
$10 overdraft transfer fee
con icon
Two crossed lines that form an ‘X’.
No reimbursements on out-of-network ATM fees
Simmons Bank
review
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Product Details
Over 200 locations in Arkansas, Kansas, Missouri, Oklahoma, Tennessee, and Texas
Access to 37,000 surcharge-free ATMs through the MoneyPass ATM network
No minimum opening deposit (Must make a deposit of any amount in the first 45 days, though)
Simmons Bank will round-up purchases to the nearest dollar and deposit the extra change into a second account if you have one
Overdraft protection that links your checking account to a savings account or apply for a line of credit
Member FDIC
Show Pros, Cons, and More
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25. Capital One 360 Checking
Capital One 360 Checking
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4.75 /5
Icon of check mark inside a promo stamp
It indicates a confirmed selection.
Perks
Earn $250 when you open a checking account using the code CHECKING250 and receive at least 2 direct deposits, each of $500 or more, within 75 days of account opening
Fees
no monthly service fee
Annual Percentage Yield (APY)
See website for details
Minimum Opening Deposit
$0
Bonus
Info icon
Earn $250 when you open a checking account using the code CHECKING250 and receive at least 2 direct deposits, each of $500 or more, within 75 days of account opening
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$250
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Earn interest on all account balances
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No opening deposit or minimum account balance
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No monthly service fee
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No foreign transaction fee
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Range of overdraft protection options
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Processes direct deposits up to 2 days early
Cons
con icon
Two crossed lines that form an ‘X’.
Doesn’t reimburse out-of-network ATM fees
con icon
Two crossed lines that form an ‘X’.
Limited access to customer service by phone
Insider’s Take
Capital One is a strong bank overall. You’ll earn competitive interest rates on online savings accounts and CDs.
Capital One 360 Checking
review
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Product Details
Earn $250 when you open a new account with promo code CHECKING250 and receive at least 2 direct deposits, each of $500 or more, within 75 days of account opening
Over 70,000 free ATMs nationwide
Branches in NY, LA, TX, MD, VA, NJ, and Washington, DC
Interest compounded daily, paid monthly
FDIC insured
Show Pros, Cons, and More
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26. Spruce Spending Account
Spruce Spending Account
Read Review
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4.25 /5
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No monthly service fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No minimum balance
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
$20 bonus if you meet the requirements by April 20, 2022
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Early direct deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No overdraft fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Courtesy Coverage that covers a negative balance of up to $20 if you meet the requirements
Cons
con icon
Two crossed lines that form an ‘X’.
Unable to overdraw your account
con icon
Two crossed lines that form an ‘X’.
$3 out-of-network ATM fee
con icon
Two crossed lines that form an ‘X’.
$4.95 fee for bank teller cash withdrawals
Spruce Banking
review
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Product Details
55,000 free ATMs nationwide through the Allpoint ATM network
To receive Courtesy Coverage, you must make at least $200 in qualifying direct deposits within a 35-day period
To get a $20 bonus, open a new Spruce bank account before April 20, 2022, and make at least $200 in direct deposits during the first 45 days of opening the account
Deposits are FDIC insured through Pathward®, N.A.
Show Pros, Cons, and More
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27. Truliant Truly Free Checking Account
Truliant Truly Free Checking Account
Read Review
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4 /5
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Low minimum opening deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No monthly maintenance fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Early direct deposit
Cons
con icon
Two crossed lines that form an ‘X’.
$33 overdraft fee
con icon
Two crossed lines that form an ‘X’.
$3 overdraft protection transfer fee
con icon
Two crossed lines that form an ‘X’.
$2 out-of-network ATM fee
Truliant Truly Free Checking Account
review
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Product Details
Over 30 branches in North Carolina, South Carolina, and Virginia
Access to Tru2Go ATMs and over 40,000 surcharge-free MoneyPass ATMs
Access to over 5,500 shared branches in the CO-OP Shared Branch network
To become a member of Truliant FCU, you or a family member must meet one of the following requirements: 1) You live, work, worship, or go to school in an eligible county in North Carolina, South Carolina, Tennessee, or Virginia; 2) You are an employee of a participating employer; 3) You are a resident of North Carolina, South Carolina, Virginia, Georgia, or Tennessee and a member of the American Consumer Council
Overdraft protection that links your checking account to a savings account
Federally insured by the NCUA
Show Pros, Cons, and More
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28. USAA Classic Checking
USAA Classic Checking
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4 /5
Fees
no monthly service fees
Annual Percentage Yield (APY)
Info icon
Variable APYs are current as of 03/15/2024. Rates are subject to change. Fees may reduce earnings.
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0.01% on balances of $1,000 or more
Minimum Opening Deposit
$25
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Reimburses up to $10 per monthly statement cycle in out-of-network ATM fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No Non-Sufficient Funds fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Overdraft protection is available
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Early pay day when you set up direct deposit (limitations apply)
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Access to over 100,000 no surcharge-fee ATMs
Cons
con icon
Two crossed lines that form an ‘X’.
Other banks may reimburse more in out-of-network ATM fees monthly
Insider’s Take
USAA has one of the best banks for the military. Most notably, it has a strong checking account with a large ATM network, and it will also reimburse up to $10 per monthly statement cycle in monthly out-of-network ATM fees.
USAA Classic Checking
review
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Product Details
Membership is open to active duty, National Guard, reserves, veterans who served honorably, Cadets or Midshipmen; and spouses and children of USAA members
Financial centers in Colorado, Maryland, New York, and Texas
100,000 USAA-preferred ATMs nationwide
Interest compounded and credited monthly
Member FDIC
Show Pros, Cons, and More
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29. Varo Bank Account
Varo Bank Account
Start banking
Varo Bank, FDIC Insured
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4 /5
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No minimum opening deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No monthly service fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No foreign transaction fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Get your paycheck up to 2 days early
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No overdraft fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Earn cash-back rewards
Cons
con icon
Two crossed lines that form an ‘X’.
No physical branch locations
con icon
Two crossed lines that form an ‘X’.
$3 out-of-network ATM fee
con icon
Two crossed lines that form an ‘X’.
No joint accounts
con icon
Two crossed lines that form an ‘X’.
Only way to deposit cash is to visit a Green Dot location and pay a fee
Insider’s Take
Varo is a good option if you’re comfortable with online banking, especially if you’re searching for checking and savings accounts that do not use ChexSystems to review your past banking history or do a credit check. The Varo Savings Account also lets you earn a solid interest rate that’s much higher than what many traditional and high-yield savings accounts pay — it may be worth considering if you plan to set up direct deposits and meet certain balance requirements. Many of the best high-yield savings accounts let you earn a high rate without meeting specific criteria, though.
Varo Bank Account
review
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Product Details
Access to 55,000+ Allpoint ATMs in the US, Puerto Rico, Mexico, Canada, UK, and Australia
Earn up to 6% cash back at select retailers; see current cash back offers in the Varo app
When you receive $5 in cash back, the money is automatically deposited into your account
If you overdraw by more than $50, there will be no fee — your transaction will just be denied
FDIC insured
Show Pros, Cons, and More
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30. VyStar Credit Union Free Checking Account
VyStar Credit Union Free Checking Account
Read Review
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4.25 /5
Fees
no monthly service fee
Annual Percentage Yield (APY)
0.10%
Minimum Opening Deposit
$0
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No minimum opening deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No monthly service fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No out-of-network ATM fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Get paid two days early with direct deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Overdraft protection
Cons
con icon
Two crossed lines that form an ‘X’.
$32 non-sufficient funds fee
con icon
Two crossed lines that form an ‘X’.
No reimbursements on fees charged by out-of-network ATM providers
VyStar Credit Union Checking Account
review
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Product Details
Join VyStar by living or working in certain parts of Florida or Georgia, or by having a relative who is already a member; Active military and veterans are also eligible
Free access to over 20,000 ATMs in the US, Canada, and Mexico
If you overdraw from your account you can transfer money from another account for a $29 charge
Interest compounded and deposited monthly
Federally insured by the NCUA
Show Pros, Cons, and More
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31. WSECU Cash Back Checking Account
WSECU Cash Back Checking Account
Read Review
Insider’s Rating
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4 /5
Fees
no monthly service fee
Annual Percentage Yield (APY)
None
Minimum Opening Deposit
$0
Pros
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No minimum balance requirement
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No monthly service fees
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Earn cash back on debit card purchases (greater perks if you have direct deposits of $1,000 or more per month)
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Early direct deposit
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
Overdraft protection available
Check mark icon
A check mark. It indicates a confirmation of your intended interaction.
No out-of-network ATM fees
Cons
con icon
Two crossed lines that form an ‘X’.
$27 overdraft fee
con icon
Two crossed lines that form an ‘X’.
$2 overdraft protection transfer fee
con icon
Two crossed lines that form an ‘X’.
$1 fee per paper check
con icon
Two crossed lines that form an ‘X’.
Won’t reimburse you if you’re charged by an out-of-network ATM provider
WSECU Cash Back Checking Account
review
External link Arrow
An arrow icon, indicating this redirects the user.”
Product Details
24 locations in the state of Washington
Part of the CO-OP Shared Branch and ATM networks, so you’ll have access to 5,000 shared branches and 30,000 surcharge-free ATMs nationwide
To become a member of Washington State Employees Credit Union, you or a family member must live, work, worship, or go to school in the state of Washington
If you receive direct deposits of $1,000 or more each month, earn 1% cash back on debit purchases involving gas, restaurant, and airlines, and $0.05 cash back on other debit card purchases
If you don’t meet these requirements, you’ll earn $0.05 cash back on all debit card purchases
Overdraft protection that links your checking account to a savings account
Federally insured by the NCUA
Show Pros, Cons, and More
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Introduction to Early Direct Deposit Services Direct deposit is a service that lets you automatically put a payment into your savings account or checking account. Generally, direct deposits are used for paychecks, but they can also be used for things like government benefit payments or tax refunds. When your employer initiates a direct deposit, it usually takes a couple of days for the money to go from your employer’s account to your account. That’s because direct deposits are a type of ACH transfer , a slow but inexpensive way to transfer money between bank accounts. With early direct deposits, your bank or credit union will automatically put money into your bank account as soon as it recognizes that a qualifying direct deposit has been initiated. You’re essentially skipping the ACH transfer’s waiting period. This can be helpful for making automatic bill payments on time without the need for credit card cash advances or other ways of accruing debt. Depending on payroll timing, it might also help you avoid overdraft fees. Eligibility and Sign-Up Process for Early Direct Deposit Qualifying for Early Direct Deposit Not all direct deposits are eligible for early direct deposit. For example, Capital One 360 ‘s website says that not every direct deposit is eligible for early direct deposit, with bank-to-bank transfer as an example of an ineligible direct deposit type. It also says that there’s a transaction limit and monthly deposit dollar limit for early processing. Check with the financial institution you’re interested in to see what requirements they have for early direct deposit. Keep in mind that, while savings accounts and checking accounts are both generally eligible for direct deposit, not every financial institution will offer early direct deposit for both types of accounts. If a bank that offers early direct deposit has a high-yield savings account you’re interested in, make sure that this account specifically qualifies for early direct deposit. How to Sign Up for Early Direct Deposit You don’t generally have to sign up for early direct deposit, as the best banks for early government benefit deposits and paycheck deposits automatically enroll you whenever you set up direct deposit for an eligible account. However, you will have to sign up for direct deposit with your employer to use early direct deposit. For that, you’ll need at a minimum: Your bank’s name The name the account is under Your account number Your routing number You can find your account number and routing number on checks issued by your bank. You might also need your address or the address of your bank. Talk to your employer to see what information they require for direct deposit. Maximizing Benefits of Early Direct Deposit Financial planning with early direct deposit banks makes paying bills an easier process. Frequently, bills are due on the same day your paycheck hits your account; if your paycheck arrives later in the day, you could end up with unpaid bills, a negative account balance, and overdraft fees . Early direct deposit delivers your paycheck early, so that doesn’t happen. A frequent tip for learning how to budget is to have multiple bank accounts for different purposes. To maximize the benefits from early direct deposit, make sure the account that offers early direct deposit is the one that your paycheck is deposited in and your bills are paid through. Otherwise, the process of transferring your paycheck to the account that you pay bills from could eat up all of the extra time you gained from early direct deposit. Not every bank account comes with early direct deposit, and even banks that do offer early direct deposit might not offer it for all of their bank accounts; for example, a bank might offer it for its standard checking account, but not for its interest-bearing checking account . If you are interested in that feature, you’ll want to check with your financial institution to make sure it offers early direct deposit for the account you’re interested in before committing. Customer Service and Early Direct Deposit Early direct deposit times vary on both the bank you’re using and your employer. If you think you should be getting early direct deposit and you’re not, or if you think you should be getting your paycheck earlier than you actually are, you might want to call your bank to see if you’re correctly signed up for early direct deposit. Customer support will also be able to help you get an idea of the timeline you can expect for your direct deposit. If you’re using an online bank , you should have digital access to customer service through phone lines or live chat. If you have a brick-and-mortar bank, you can go into a branch for customer support in addition to using phone lines and live chat. If you suspect you’re not getting your early direct deposit paycheck because of fraud or unauthorized changes to your account, many banks offer 24/7 customer support lines for reporting fraud. If you do suspect fraud, make sure to call your bank or credit union as soon as possible. Why You Should Trust Us: How We Found Bank Account With Early Direct Deposit Business Insider’s personal finance team is editorially independent, meaning that the business team doesn’t tell the team’s writers and editors what to write. You can learn more about how we review products through our editorial standards page . We looked at the national, regional, and online financial institutions to find banks that offered early direct deposit. Our list contains accounts with at least 3.5/5 stars. We rate bank products on a scale from one to five stars, with one star being the lowest rating, three stars being an in-between rating, and five stars being the highest rating possible. See our bank account methodology to learn more about how we rate savings accounts. Bank Accounts With Early Direct Deposit FAQs
How much earlier can I receive my pay with early direct deposit?
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Typically, the fastest banks can get your paycheck is one to two days earlier than you would otherwise.
Are there any fees associated with using early direct deposit services?
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Almost all banks that offer early direct deposit are no-fee early salary deposit banks, at least in terms of using early direct deposit. Still, it’s always important to check what fees a bank account charges before opening an account.
Is early direct deposit available for all types of payments?
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Generally, early direct deposit is used for paychecks. You might also be able to set up early direct deposit for things like government benefits; however, you’ll want to check with your bank to confirm.
Do I need to open a new account to use early direct deposit?
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If you’re using an account that started offering early direct deposit after you opened your account, you can generally start using early direct deposit without opening a new account. If your bank account doesn’t offer early direct deposit at all, you’ll probably need to open a new account with a bank that does offer early direct deposit to use that feature.
Is the money safe and insured when using early direct deposit?
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Yes. Money is usually safe because these features are usually connected to bank accounts. Funds received early are typically FDIC -insured and are as secure as your regular banking transactions.
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Kit Pulliam
Banking reporter
Kit Pulliam (they/them) is a banking expert who specializes in certificates of deposit, savings accounts, and checking accounts. They’ve been reporting, editing, and fact-checking personal finance stories for more than four years. Experience In college, Kit worked as an undergraduate research assistant in a psychology lab. While there, they found that they were passionate about writing and helping others write about topics that matter. Before Business Insider, Kit was an editorial specialist for Tax Analysts, diving into the tax code to help readers get the best information about a confusing but necessary subject. They find banking similar to taxes in that way: There are some things everyone needs to know because just about everyone needs to work with a bank — and you don’t want to end up with an account that doesn’t serve your needs. As interest rates change, they enjoy the fast pace of reviewing rates for products like CDs and high-yield savings, which can change daily and have a direct impact on readers’ money. Their work has been featured in Business Insider and MSN. They were part of the My Financial Life series with Business Insider. Expertise Their expertise includes: Certificates of deposit Savings accounts Checking accounts CD rates Bank reviews Education Kit is an alumnus of Vanderbilt University, where they studied English and psychology and received the Jum C. Nunnally Honors Research Award for their senior thesis. Outside personal finance, Kit enjoys reading, film, video games, and cross stitching. They are based in the DC area.
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Evelyn He
Compliance and Operations Associate
Evelyn He is a compliance and operations associate for Business Insider’s Personal Finance team. Evelyn ensures content accuracy and editorial independence so readers get the most up-to-date and objective financial advice, enabling them to make informed financial decisions. Experience As part of the compliance team, Evelyn helps fact check Personal Finance stories and works to make sure that the language is clear, precise, and compliant with government regulations and partner guidelines. Previously, Evelyn worked as a compliance specialist for Apellis Pharmaceuticals and a legal assistant at the law firm Morrison Mahoney. Expertise Evelyn is an expert in the following areas: Compliance Quality assurance Affiliate marketing Search engine optimization (SEO) Content strategy Education Evelyn earned a bachelor’s degree in business administration from UMass Amherst and a master’s in marketing from Boston University. Evelyn has two dogs, Money and Tibber.
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Top Offers From Our Partners
Barclays Tiered Savings
Earn up to 4.50% APY and earn a $200 bonus when you open a new Tiered Savings account with qualifying activities (offer expires 3/8/25).
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To qualify for this bonus offer, you must be a new Barclays Tiered Savings customer (current and previous Barclays customers with a Savings or CD are not eligible), open an account 11/7/2024 through 3/8/2025, fund your new Tiered Savings account with at least $25,000 within the first 30 days of opening the account, and maintain the balance of at least $25,000 for 120 consecutive days. After you maintain the $25,000 balance for 120 consecutive days, the $200 bonus will be added to your account in approximately 60 days. Offer expires 3/8/2025.
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