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Wells Fargo Early Pay Day

Get paid sooner with Early Pay Day

Early Pay Day gives you access to your eligible direct deposits up to two business days early

Convenience

Set up Direct Deposit and never worry about checks getting lost, delayed, or stolen

Get paid early

Receive your funds up to two business days sooner

No need to enroll

Early Pay Day is automatic on your eligible direct deposits

Be in the know

Get online banking or mobile app alerts to be notified when you receive a deposit early

What is Early Pay Day?

Early Pay Day gives you access to your eligible direct deposits up to two business days early.

There's no enrollment required and no fee – Early Pay Day is included with eligible direct deposits.

Once we receive information about your incoming direct deposit from your payor, typically your employer, we may make the funds available for your use up to two business days earlier than your scheduled pay date.

How to get paid early with Direct Deposit

Three easy steps

Step 1.
Use our pre-filled form

Use our Wells Fargo Mobile® app or sign on to create your customized Direct Deposit guide.

  • Select the account you'd like your deposits to go to, and we'll pre-fill the form with your routing number, account number, and account type.

You can also download a blank Direct Deposit/Automatic Payments Set-Up Guide (PDF) and fill in the information yourself.

Step 2.
Provide the information on the completed form to the company or agency that pays you

Your payor may ask you to complete their own form in order to process your request.

Step 3.
Monitor your account

It may be one or two pay or benefit periods before Direct Deposit goes into effect.

Signing up for automatic alerts  will notify you when a direct deposit is available in your account. Choose how you want to receive alerts — email, text message, or push notification to your phone. You can change your preferences anytime.

Setup alerts >

Questions? Call us at 1-800-TO-WELLS (1-800-869-3557).

Early Pay Day FAQs

Early Pay Day gives you access to your funds up to two business days early for eligible direct deposits.

If we receive information from your payor, typically your employer, that your deposit is on the way, we may provide you access to your funds up to two business days early.

No, there is no fee for Early Pay Day. It's included as one of the perks when you set up eligible direct deposits.
You can set up an alert to notify you when you receive a direct deposit. Use our convenient online banking tools or mobile alerts to help you manage your account and know your balances.
It depends. The day and time we make funds available will depend on when we receive information about your deposit from your employer or other payor, which can vary from deposit to deposit.

No. Early availability of your direct deposit is not guaranteed and may vary between pay periods, depending on when your payor (typically your employer) tells us it is on the way.

To help prevent incurring an Overdraft fee, please monitor your account closely to verify the funds from your direct deposit are available for your use.

How can we help?

With Early Pay Day, the Bank may make certain direct deposits available to you one to two business days before we receive the funds from the payor, which is typically your employer. Early Pay Day is not guaranteed, may vary between pay periods, and we may stop providing it at any time without advance notice to you. Our ability to provide early access to funds may be limited by many factors, such as when we receive notice of payment from your payor. It is always your obligation to verify that the funds are available in your account before spending them. Available for personal accounts only. See our Deposit Account Agreement for more details.

Not all direct deposits are eligible for Early Pay Day. Eligible direct deposits are generally limited to electronic direct deposits such as your payroll, pension, and government benefit payments that are made through the Automated Clearing House (ACH) network. Most other deposits or credits to your account, such as deposits of funds from person-to-person payments services (e.g., Zelle®, Venmo, or PayPal transfers), check or mobile deposits, instant payments processed through the RTP® network or FedNowSM service, and other online transfers are not eligible for Early Pay Day.

Sign-up may be required. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

QSR-11272026-8007929.1.1

LRC-0525