27 Banks and Their Direct Deposit Time (Complete List)

Direct deposit is becoming the most popular way for employees to receive their paychecks. One of the reasons is that they don’t have to go to a bank to access the funds.

Most workers can expect their paycheck direct deposits to appear on their bank accounts between 12:00am-6:00am. Every bank has a different time for direct deposit.

Wells Fargo posts at 6:30 a.m. EST, Citibank posts between 12:00 and 7:00 AM EST, and Bank of America deposits post immediately.

It is extremely convenient for them to use their money immediately it arrives in their bank account. It’s easier to access your money than having a paycheck.

You are wasting time if your paycheck is not being deposited into your bank account.

You also run the risk of your paycheck being stolen or lost. Different banks have different direct deposit times so it is important to find out when your bank makes these deposits.

Bank Direct Deposit Time
Axos bank Direct deposits can be accessed up until two days before payday depending on the date that the deposit was initiated
Fidelity Direct deposits will be made to your account between 12:00 AM and 7:00 AM on payday
Woodforest National Bank All deposits, direct or not, are available the day after the deposit is made as long as it’s received before 8:00 PM CST
Bank of America Deposits can be credited as soon as they are received and available the same day that they are made
Fifth Third Bank Deposits will be posted to accounts between 12:00 AM and 6:00 AM on payday
Wells Fargo Direct deposits usually post to accounts by 6:30 a.m. Eastern Standard Time (EST) on payday
BB&T Deposits will be accepted in accounts between 12:00 AM and 6:00 AM on payday
Navy Federal Credit Union Direct deposits will be posted to accounts Monday through Friday between 12:00 a.m. – 6:00 a.m.
USAA One business day prior to payday, deposits are available
BBVA Direct deposits can be made the same day as they are initiated
PenFed Credit Union Deposits typically arrive in accounts between 8:30 a.m. EST and 7:30 a.m. EDT
U.S. Bank Payroll deposits can be made by payday at 8:00 a.m.
BECU Direct deposits are made to accounts between 12:00 AM and 2:00 AM PST
PNC Bank Deposits will usually post to accounts between 12:00 AM and 8:00 AM EST.
TD Bank Direct deposit funds can be deposited on payday at 6:00 a.m.
Capital One Funds will not be available for withdrawal after 9:00 AM EST
Security Service Federal Credit Union Direct deposits are available between 4:30 AM and 6:00 AM CST in accounts.
SunTrust Bank Deposits will be posted to accounts between 12:00 AM and 7:00 AM EST
Citibank Direct deposits can be made to accounts between 12:00 AM and 7:00 AM.
State Employees Credit Union Deposits will be made in the morning if the employer has submitted payroll information by 5 p.m. on the previous night.
Citizens Bank Direct deposit funds are available between 3:00 and 6:00 AM EST on payday
Regions Bank Deposits can be initiated up to a day prior to payday. They are available on the morning of payday, but before 9:00 a.m.
Santander Consumer Bank Deposits are typically made between 6:00 a.m. to 9:00 a.m. the day after receipt.
HSBC Direct deposits made after 12:00 a.m. can be available the same day, typically between 12:00 a.m. to 2:00 a.m.
Central National Bank Direct deposits made the day before payday are posted between 1:00 a.m. to 4:00 a.m. on payday
First American Bank Direct deposits made the day before payday can be made between 2:00 a.m. – 5:00 a.m.
UnionBank Direct deposits are processed around 8:30 p.m. on the night before payday

What you will learn:

Axos Bank

Axos Bank, one of the few financial institutions that allow direct deposits to be accessed before payday, is one of the best. You can access your money the same day as long as you make your deposit before 3:00 p.m. This can allow you to access your money up to two days before your payday.


You can access your direct deposit with Fidelity between 12:00 a.m. to 7:00 a.m. The deposit is initiated by your employer the day before payday. It processes overnight and lands in you account in the morning.

Woodforest National Bank

Woodforest National Bank deposits have same-day access provided the deposit is made before 8:00 PM CST. This applies to both deposits made at the bank as well as direct deposits made by your employer. Payday payments are delayed depending on the date it was initiated.

Bank of America

You should be able access all deposits the same day that they are initiated. However, cut-off times may apply and are often based on branch closing time. Direct deposits can be accessed immediately after receiving your employer’s transmittal. The time that your paycheck is available will depend on when your HR department initiates it.

Fifth Third Bank

Direct deposits to Fifth Third Bank accounts will appear between 12:00 a.m. – 6:00 a.m. Employers make deposits on the night before payday. They process overnight and are available for withdrawal the morning of payday. You can also see the deposit processing and credit to your account.

Wells Fargo

Your employer will usually deposit directly into your account by 6:30 a.m. EDT on payday. The transaction must be initiated by your employer on the day prior to payday. This will allow the deposit to process overnight and post in your account the next morning. Your funds can then be withdrawn.


Direct deposit will be initiated by your employer the day before payday to allow it to process overnight. Between 12:00 a.m. to 6:00 a.m., the funds will be in your account. EST. is the time when banks are open at least an hour before your account opens.

Navy Federal Credit Union

Your money will be in your bank account from Monday to Friday, as long as the direct deposit is initiated by your employer on a business day. Direct deposits made on Friday won’t be available in your account until Monday.


USAA members have the added benefit of being able to access direct deposit funds up until one business day prior to your payday. You can withdraw your money earlier depending on the date your employer sends you your paycheck information.


Your paycheck will appear in your BBVA account the same day as your employer initiates direct deposit. You can have your paycheck in your account anytime after your employer initiates the direct deposit. Usually, it will appear in your account within minutes of your employer receiving the electronic transfer order.

PenFed Credit Union

Direct deposits made the day before payday will be posted to PenFed Credit Union accounts between 7:30 and 8:30 AM. This makes PenFed Credit Union a bank that allows access to funds slightly later than other banks. It is still available quite early in comparison to traditional deposits.

U.S. Bank

Direct deposits usually post to accounts sooner than payday at U.S. Bank. However, they will not be received later than 8:00 AM PST. Although you will have access to the money in a significant way before 8:00 AM, it is not guaranteed that the money will arrive before that time if your employer has initiated the deposit the day prior.


Direct deposits to BECU accounts are processed between 12:01 a.m. (payday) and 2:02 a.m. (payday). Your paycheck will arrive in your BECU account before you get up on payday. This is one of the earliest times when paycheck funds are available.

PNC Bank

To access your direct deposit funds at PNC Bank you may need to wait until 8:00 a.m. EDT. However, the money could post to your account as soon as 12:00 a.m. each payday.

TD Bank

Direct deposits from payroll are posted to accounts every payday at 6:00 a.m. You don’t have to guess when direct deposits will post. This is the great thing about having only one posting time. Your money will be available at 6:00 on payday.

Capital One

Capital One offers the latest posting times for direct deposits of any bank. Your fund may not be available until after 9:00 EST on payday. In most cases, however, your paycheck will be posted earlier in the morning.

Security Service Federal Credit Union

Your paycheck will be available in your account between 4:30 AM and 6:00 AM CST on payday. Most cases, your money will be available by the time that you wake up on payday.

SunTrust Bank

SunTrust Bank accounts will allow employees to see their paycheck deposits between 12:00 AM and 7:00 AM EST on payday. To ensure that the deposit is made on time, employers will need to initiate the transaction at minimum one business day before payday.


Citibank account holders will see their payroll direct deposits in the accounts between 12:00 and 7:00 on payday. These deposits are usually posted in your account earlier on paydays but they can still post as late as 7:00 AM.

State Employees Credit Union

Your funds will be available on payday if your employer initiates the payroll directly deposit before 5:30 p.m. the day before payroll. Although the exact time can vary, the transaction is done overnight to allow for early availability.

Citizens Bank

An employer can initiate a direct deposit between 3:00 and 6:00 AM EST on the next day. This would be the designated payday. Although you may be able to see the pending transaction at 3:00 a.m. it will not be available.

Regions Bank

Regions Bank will initiate direct deposits from employers one day before payday. The money is processed overnight, and will be available for use at 9:00 a.m. Eastern Standard Time (EST). This is before most banks open. You’ll get your money before payday.

Santander Consumer Bank

Santander Consumer Bank will send you your paycheck between 6:00 am and 9:00 am on the date of the deposit. You will also see the deposit in your account if your payroll company sends it earlier than payday. Your funds will be available the day after you receive them.


Direct deposits are not available in a specific timeframe. However, funds that have been initiated after 12:00 a.m. on any given business day will be available by 11:59 pm. Real-time deposits typically become available in 30 seconds. This means that your funds will be available soon after 12:00 a.m. and not later than 2:00 am.

Central National Bank

Direct deposits to Central National Bank accounts are initiated by employers one day before they are made into payroll. The funds are available to you when you get up in the morning. They appear in your account between 1:00 a.m. – 4:00 a.m. on payday. Direct deposits are available immediately after they are made.

First American Bank

Your employer must initiate the direct deposit by 5:00 p.m. ET. ET on the day before payday, First American Bank will show the deposit in your account between 2:00 AM and 5:00 AM on payday. The funds can be accessed as soon as they have been posted to your account.

Union Bank

You can access your Union Bank account to view your payroll around 8:30 p.m. on the night before payday. If your payday falls on Friday, for example, your funds will be available for you to use on Thursday night after 8:30 p.m. This gives you access to your money sooner than other banks.

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