When you set up direct deposit, you may be eligible to receive your pay up to 2 days early or government benefits up to 4 days before benefits day (subject to deposit verification and depending on your payment provider’s process and timing). Some employers and benefits providers send payment instructions ahead of the actual payday. If they do, we’ll credit the amount to your account when we receive payment instructions (instead of waiting for the actual payday) so you can enjoy your money sooner. However, it’s important to note that if and how early your deposit can be posted to your account is completely dependent on when the employer or benefits provider sends us the payment instructions, and fraud restrictions may also apply. As such, the availability or timing of early direct deposit may vary from pay period to pay period.