What time does my direct deposit hit

Most employers nowadays rely on direct deposits to pay employees. One benefit of this system is that you can typically get access to your paycheck immediately, and sometimes, you can even access your funds before your scheduled payday. Continue on for more information about direct deposit, including how it works, the benefits of using it, and, most importantly, when you can expect your direct deposit to hit your bank account.

• What Is Direct Deposit?
• Reference Table
• Direct Deposit Times by Bank or Credit Union
  • Axos Bank
  • Bank of America
  • BECU
  • Capital One
  • Chase Bank
  • Citibank
  • Citizens Bank
  • Fidelity
  • Fifth Third Bank
  • Navy Federal Credit Union
  • PenFed Credit Union
  • PNC Bank
  • Security Service Federal Credit Union
  • State Employees Credit Union
  • TD Bank
  • Truist Bank
  • USAA
  • U.S. Bank
  • Wells Fargo
  • Woodforest National Bank

What Is Direct Deposit?

A direct deposit occurs when an employer, government agency, or other party provides instructions for its financial institution to digitally deposit funds directly into your bank account on a specific date. Direct deposit eliminates paper checks and the need to make a trip to the bank to deposit funds. Once the funds hit your bank account, they are available to you.

To set up direct deposit, your employer or another payer will ask you to enroll, which usually involves filling out a direct deposit form and providing your bank’s name and address, as well as your account number and routing number. You may also be asked to provide a voided check.

With direct deposit, you don’t need to worry about your paper check getting lost, stolen, or damaged. Additionally, you have control over where your paycheck goes (you can divide the funds into multiple accounts), and you can access the money as soon as it hits your account.

If you’re not satisfied with the time your bank deposits your check, see our article that lists the banks and credit unions that offer early direct deposit (sometimes up to three days early).

Reference Table

You can use the table below for a quick explanation of the typical direct deposit times for 20 of the major banks in the U.S., then select any bank or scroll for more details.

Direct Deposit Times by Bank or Credit Union

We spoke to representatives from the following banks to find out the exact time frame you can expect a direct deposit to post to your account.

Note: While payroll companies like ADP are responsible for disbursing funds to financial institutions for direct deposit, the specific banks/credit unions determine when the funds are posted to accounts.

Axos Bank

• When does a direct deposit hit your account? Axos Bank makes direct deposits as soon as your employer sends a payroll notification to its bank, which can be up to two days before your regular payday. The company deposits funds during regular business hours as soon as it receives a payroll notification, and the funds will be available the same day.[1]
• Find an Axos Bank

Bank of America

• When does a direct deposit hit your account? Most direct deposits credit your account in “real time” on the day your employer makes the deposit. However, it can vary depending on the instructions provided by the originator. It can be different for every customer and is determined by the sender.[2]
• Find a Bank of America

BECU

• When does a direct deposit hit your account? Direct deposits will post to your account on the same day the bank receives the deposit.[3]
• Find a BECU

Capital One

• When does a direct deposit hit your account? Direct deposits are available on the same day the deposit is received.[4]
• Find a Capital One

Chase Bank

• When does a direct deposit hit your account? Generally, direct deposits are posted by 6:30 a.m. (EST) on the business day the bank receives the deposit.[5][6]
• Find a Chase Bank

Citibank

• When does a direct deposit hit your account? Direct deposits are generally available to you on the same business day they’re received.[7]
• Find a Citibank

Citizens Bank

• When does a direct deposit hit your account? Direct deposits post to your account on the same day they’re issued from your employer.[8]
• Find a Citizens Bank

Fidelity

• When does a direct deposit hit your account? Funds are available to you as soon as they’re sent to your account for amounts up to $25,000. Funds can’t be withdrawn for three business days to allow them to settle in the account.[9]
• Find a Fidelity branch

Fifth Third Bank

• When does a direct deposit hit your account? Direct deposits are made available to account holders the same business day they’re received.[10]
• Find a Fifth Third Bank

Navy Federal Credit Union

• When does a direct deposit hit your account? Direct deposits are available to you on the same day they’re sent to your account.[11]
• Find a Navy Federal branch

PenFed Credit Union

• When does a direct deposit hit your account? Direct deposits generally hit by 6 a.m. EST on the day they’re received. However, it can take up to 24 hours.[12]
• Find a PenFed branch

PNC Bank

• When does a direct deposit hit your account? Direct deposits are posted immediately when received on the scheduled day.[13]
• Find a PNC Bank

Security Service Federal Credit Union

• When does a direct deposit hit your account? Direct deposits are available at the start of business on the business day after it’s received.[14]
• Find a Security Service FCU

State Employees Credit Union

• When does a direct deposit hit your account? Direct deposits are available the day of or the day before the credit union receives the deposit from your employer.[15]
• Find a SECU

TD Bank

• When does a direct deposit hit your account? Direct deposits are available to you on the day it receives the deposit.[16]
• Find a TD Bank

Truist Bank

• When does a direct deposit hit your account? Direct deposits are available for debit card purchases and cash withdrawal immediately upon your bank receiving it.[17]
• Find a Truist location

USAA

• When does a direct deposit hit your account? Funds from a direct deposit will be available on the day they’re received.[18]
• Find a USAA location

U.S. Bank

• When does a direct deposit hit your account? Direct deposits are available to you on the day they’re received.[19]
• Find a U.S. Bank

Wells Fargo

• When does a direct deposit hit your account? Direct deposits are available on the same day the deposit is received.[20]
• Find a Wells Fargo

Woodforest National Bank

• When does a direct deposit hit your account? Direct deposits are available immediately on the day your employer sends the funds to the bank.[21]
• Find a Woodforest National Bank

If you’re worried about when just one check will deposit, consider checking out our article about how long it takes a check to deposit and clear at the top 50 U.S. banks.