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1-3 Days. On average, direct deposit usually takes one to three business days to clear. The process is fast, but the actual time frame for the funds to hit your account depends on when the issuer initiates the payment.
Contact the institution that is supposed to handle your direct deposits, such as your employer's payroll department. Ask the representative to contact the electronic transaction or direct deposit processing company your institution uses. Ask the processing company to provide your direct deposit tracking number.
You can check your pending deposits by logging into your online account. They are typically shown at the top of your deposit/purchase history. Banks can also see your pending deposits, so you can contact them at the customer service number to inquire about them.
As such, the availability or timing of early direct deposit may vary from pay period to pay period. If you haven't received a direct deposit that you are expecting, it's because we haven't received the payment instructions from your employer or benefits provider.
How Long Does Direct Deposit Take? US BANKDIRECT DEPOSIT TIMESBB&TBetween 12:00 a.m. and 6 a.m. (EST)BBVASame business day when the sender sends notificationBECUBetween 12:00 a.m. and 2:00 a.m. (PST)Capital OneNo later than 9:00 a.m. (EST)22 more rows • Feb 13, 2022
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However, employers will generally initiate the ACH transfer far enough in advance to ensure that the money shows up in the employee's bank account on payday. Many employees can expect payroll direct deposit to arrive in their account at midnight the day before the pay date.

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