Your online banking account with Stash is designed to help you achieve greater financial freedom through smart money management.
The Stock-Back® Card.1
Use our debit card to shop at well-known brands, and we’ll reward you with pieces of matching stock. Instead of points that might expire, we want to give you stock that can actually grow in value over time.
No hidden fees.2
We want you to save and grow your money, not worry about hidden fees—so we don’t charge any. The digital banking account has no overdraft fees, no minimum balance fees, no monthly maintenance fees, and no set-up fees. You also have access to over 55k fee-free ATMs worldwide, as well as fast cash deposits with no extra fee at participating retailers like CVS Pharmacy, Walgreens, and Walmart. (Limits may apply. Money should be available about 10 minutes after you complete deposit.)
Instant transfers.6
Transfers within Stash between your investment portfolio cash and your Stash banking account are instant, eliminating the wait times that can come with external bank account transfers. So you can make your money moves—faster.
Early payday.3
Direct deposit users could get their paychecks up to 2 days early. It’s incredibly easy to set up direct deposit with Stash—you can even start by allocating a percentage of your paycheck to Stash and increasing from there.
App-friendly features.
Our banking and investing app features include: mobile check deposit, debit card lock and unlock, virtual card, real-time transaction alerts, recurring transfers, and digital wallet compatibility for both Apple Pay and Google Pay.
FAQs
Our picks at a glance
| Early direct deposit | Monthly maintenance fee |
|---|
| Capital One 360 Checking | Up to 2 days | $0 |
| Discover Bank Cashback Debit Checking | Up to 2 days | $0 |
| Axos Bank Essential Checking | Up to 2 days | $0 |
| Chime Online Checking Account | Up to 2 days | $0 |
3 more rowsMay 20, 2024
Early direct deposit services can allow customers to receive their direct deposits, such as their paycheck, up to two business days early. Banks do this by providing funds as soon as the payor, such as your employer, provides the deposit information, rather than waiting for the actual funds to clear.
What is 2 days early direct deposit? ›
How early direct deposit works. Early direct deposit is generally a free and automatic feature at a bank. Automatic, in this case, means there's no sign-up required if you're eligible. And early means one to two days ahead of payday, so if you normally get a paycheck on Friday, it would arrive on Wednesday.
Is early direct deposit worth it? ›
With some banks, your paycheck can be available up to two days before your typical payday if your employer uses direct deposit. This early access to your paycheck could help you keep up with bills and avoid late fees, especially on bills due around the time you receive your salary.
How does direct deposit work if I get paid on Friday? ›
Direct deposit does not go through on weekends. If your payment comes from an employer, the company will decide whether to release the money on the business day prior to the weekend or after (Friday vs.
Which banks make funds available immediately? ›
Many popular banks such as Ally Bank, Axos, SoFi and PNC offer instant mobile deposit availability.
Why am I not getting paid 2 days early? ›
Here are some reasons why you might not receive your deposit early: Your deposit isn't sent earlier by your payer. Your deposit type is not eligible, such as a bank-to-bank transfer. There's a payroll system issue from your payer.
Does Chase do a 2 day early direct deposit? ›
For Chase Secure CheckingSM only: Early direct deposit is a service that comes with your Chase Secure Checking account in which we credit your eligible direct deposit transaction up to two business days early. You must set up direct deposit to your account.
Does TD bank pay 2 days early for direct deposit? ›
Get paid faster with TD Early Pay
It's easy – sign up for Direct Deposit and you can start getting paid up to two days early.
What time does direct deposit hit? ›
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.
Two business days. That's the average amount of time it takes before the money you dropped into your checking account is actually available to you. But that's just the average—depending on the type of deposit you make, you could access your money immediately, or you may have to wait longer than just two days.
How can I get paid early? ›
There are two primary ways to get your paycheck early: early wage access and early direct deposit. Each offers a way to get your hard-earned money in your bank account sooner, but they differ in accessibility, costs and risks.
Which bank gets direct deposits early? ›
Bankrate's best banks for early direct deposit in 2024
| Bank | Checking account name | Monthly fee |
|---|
| Ally Bank | Spending Account | None |
| Axos Bank | Essential Checking | None |
| Capital One | 360 Checking | None |
| Chime | Checking Account | None |
8 more rowsDec 22, 2023
Why are financial institutions willing to offer early direct deposit? The financial institutions offering early direct deposit are willing to risk the very remote chance that the funds won't settle through the ACH network in order to provide a perk to their bank customers or credit union members.
What is the fastest a direct deposit can process? ›
You may be able to access your paycheck up to two days early with accounts like Chime, Wells Fargo and Capital One. Rather than waiting for the payment to fully process, banks that provide early direct deposit allow the funds to be available in your checking account as soon as they get notification from your employer.
How can I get my money deposited early? ›
Key Takeaways
- There are two primary methods to get your paycheck early: early wage access and early direct deposit.
- Early wage access lets you borrow a portion of your upcoming paycheck early – for a fee. ...
- Early direct deposit provides the entire paycheck early, usually up to two days, at no cost.
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.
