Peace of mind
Set up Direct Deposit and never worry about checks getting lost, delayed, or stolen
Get paid early
Receive your funds up to two days sooner
No need to enroll
Early Pay Day is automatic on your eligible direct deposits
Be in the know
Get online banking or mobile app alerts to be notified when you receive a deposit early
What is Early Pay Day?
Early Pay Day gives you access to your eligible direct deposits up to two days early.
There's no enrollment required and no fee – Early Pay Day is included with Direct Deposit.
Once we receive information about your incoming direct deposit from your payor, we may make the funds available for your use up to two days earlier than your scheduled pay date.
How to get paid early with Direct Deposit
Step 1.
Use our pre-filled form
Use our Wells Fargo Mobile® app or sign on to create your customized Direct Deposit guide.
- Select the account you'd like your deposits to go to, and we'll pre-fill the form with your routing number, account number, and account type.
You can also download a blank Direct Deposit/Automatic Payments Set-Up Guide (PDF) and fill in the information yourself.
Step 2.
Provide the information on the completed form to the company or agency that pays you
Your payor may ask you to complete their own form in order to process your request.
Step 3.
Monitor your account
It may be one or two pay or benefit periods before Direct Deposit goes into effect.
Signing up for automatic alerts will notify you when a direct deposit is available in your account. Choose how you want to receive alerts — email, text message, or push notification to your phone. You can change your preferences anytime.
Set up alerts
Questions? Call us at 1-800-TO-WELLS (1-800-869-3557).
Early Pay Day FAQs
How does Early Pay Day work?
Early Pay Day gives you access to your funds up to two days early for eligible direct deposits.
If we receive information from your payor that your deposit is on the way, we may provide you access to your funds up to two days early.
Is there a fee for Early Pay Day?
No, there is no fee for Early Pay Day. It's included as one of the perks when you set up Direct Deposit.
When will I know when I'm paid?
You can set up an alert to notify you when you receive a direct deposit. Use our convenient online banking tools or mobile alerts to help you manage your account and know your balances.
How early will my Direct Deposit be available to me?
It depends. The day and time we make funds available will depend on when we receive information about your deposit from your employer or other payor, which can vary from deposit to deposit.
Will funds from my direct deposit always arrive early?
No. Early availability is not guaranteed, and may vary from deposit to deposit – including those from the same payor.
Whether we are able to provide early availability depends on when we receive information from your payor that the funds are on the way, any limitations we set on the amount of early availability, and standard fraud prevention screening.
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For existing accountholders or questions:
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With Early Pay Day, the Bank may make incoming electronic direct deposits made through the Automated Clearing House (ACH) available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early Pay Day. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Whether we make funds available early depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Available for personal accounts only. See our Deposit Account Agreement for more details.
Eligible direct deposits are limited to electronic direct deposits of items such as your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) to your personal account. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g., Zelle®, Venmo, or PayPal transfers), check or mobile deposits, and other online transfers or electronic credits are not eligible for Early Pay Day.
Sign-up may be required. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
QSR-07182025-6254414.1.1
LRC-0124
FAQs
What is Early Pay Day? There's no enrollment required and no fee – Early Pay Day is included with Direct Deposit. Once we receive information about your incoming direct deposit from your payor, we may make the funds available for your use up to two days earlier 1 than your scheduled pay date.
What time does the early direct deposit hit? ›
Usually, you'll have access to your direct deposit at the opening of business on your payday — by 9 a.m. In many cases, direct deposits hit accounts even earlier, often between midnight and 6 a.m. on payday morning.
What time does Wells Fargo direct deposit hit today? ›
Generally, banks receive direct deposits through ACH before 9.00 am, that is when the amount is released. When using Wells Fargo, your direct deposits are received between 12 am and 3 am on the day you are paid.
What time does Wells Fargo make deposits available? ›
Are there deposit cutoff times? Expand
| Deposits made | Funds are typically available |
|---|
| Before 9 pm Pacific Time business days | On the next day after your deposit |
| After 9 pm Pacific Time business days | On the day after the deposit credit date |
| Non-business days | On the day after the deposit credit date |
Financial institutions with early direct deposit
| Financial institution (Click on the name to see our review) | Direct deposit details |
|---|
| Huntington Bank | Up to 2 days early. |
| LendingClub Bank | Up to 2 days early. |
| Navy Federal Credit Union | Up to 1 day early, but limited to the Free Active Duty Checking account. |
| One | Up to 2 days early. |
27 more rowsJan 25, 2024
A number of banks offer early direct deposit to your checking account. You should receive your paycheck up to two days earlier if you signed up for direct deposit from your employer, even if it is part-time work. Check with your bank for details, especially if you just signed up for direct deposit.
What time will ACH hit my account? ›
Standard ACH credit transactions can post as soon as 8:30 in the morning the following day, while ACH debit transactions typically take one to three business days to complete. The ACH network submits transactions at 6 a.m., 12 p.m., 4 p.m., 5:30 p.m., and 10 p.m. Eastern Time (ET).
Why does my direct deposit hit at 4am? ›
What time your direct deposit hits depends on the financial institution. Most recipients can expect their direct deposits to be available by 9 a.m. on payday, with many banks allowing funds to be released between midnight and 6 a.m. If your bank allows for the funds to be released sooner, you'll see them then.
Will I get my direct deposit today? ›
A direct deposit usually takes one to three days to go through. If you get a direct deposit on a day when the bank is open, the money has to be available to you by the following business day. You might wait an extra day or two if the deposit comes in right before a federal holiday or over the weekend.
How does Wells Fargo direct deposit work? ›
Direct deposit is a service that automatically deposits qualifying recurring income* into any Wells Fargo checking or savings account you choose. Convenient — Your money is deposited into your account, even when you are on vacation or too busy to get to the bank.
Domestic and International Wire Transfers sent through Online Wires are typically sent the same business day if they are submitted by 2:00 pm Pacific Time. Otherwise, they will be sent the next business day. Easily access your online wires history through Wells Fargo Online.
Can I deposit $4000 at ATM? ›
Deposit limits: Just like banks set daily withdrawal limits from ATMs, many set daily cash deposit limits as well, typically around $4,000 to $5,000. Some also limit the number of bills you can deposit at any given time, regardless of how much money they add up to.
Do Wells Fargo get paid early? ›
Whether we make funds available early depends on when we receive the payor's payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Available for personal accounts only. See our Deposit Account Agreement for more details.
What time do Wells Fargo transactions go through? ›
Transfers completed after 8 pm Pacific Time on a business day will appear as “pending,” but will be available to pay your transactions that night as long as they are completed prior to our nightly processing (which generally occurs just after midnight, Pacific Time).
How does early direct deposit work? ›
Banks that offer early direct deposit do this by making funds available in your checking account as soon as they receive information from a payer, such as your employer, about incoming deposits, rather than waiting for the funds to clear first.
How long does first direct deposit take Wells Fargo? ›
Wells Fargo Bank's general policy is to make deposited funds available on the first business day after the Bank receives a deposit. In some cases, however, we may place a deposit hold on these funds and delay availability for up to 7 business days.
Does Wells Fargo use DailyPay? ›
DailyPay only deposits your paycheck. On payday we will deposit your paycheck into the primary account you set in the DailyPay app or website. If you see 'Wells Fargo' or 'PNC' in your bank statement, that's still DailyPay! (They're our payment providers.)
Does Wells Fargo get paid weekly or biweekly? ›
At Wells Fargo we get paid on a bi-weekly period.
