We understand that quick access to your money is important. Your ability to access money depends on how the money was added to your Bluebird account. Please see below for when your money will be available:
Direct Deposit — You can get your paycheck up to 2 days before payday.* You can access your money as soon as it is added to your account. It may take up to two pay cycles after you enroll for your Direct Deposit to begin.
Cash — the money that you add with cash will be available immediately.
Checking or savings account — If you already have a linked checking or savings account, bank transfers may take up to 3-5 business days. Depending on your bank’s policies and terms, you may be able to add money to your Bluebird account from your checking or savings account by initiating a transfer from your bank account into your Bluebird account. For transfer timing information, please consult your bank once you have initiated the funds transfer from your bank account to your Bluebird account.
Debit card – In most cases, adding money from a debit card occurs within minutes.
Check – If you choose Money in Minutes your money is generally available with 3-5 minutes, but can take up to one hour.  This option has a fee.
If you choose Money in Days, your money will be available 10 days from the time you submit your check, provided your check is approved and it is not returned unpaid within the 10-day period.
Money Request – The Bluebird accountholder whom you sent the money request to must accept your request. We will notify you via email when your request has been accepted, and money will be available in your Bluebird account within minutes.
*Faster access compared to standard payday electronic deposit and subject to your employer submitting paycheck information to the bank before payday. Your employer may not submit paycheck information early.