When Do Direct Deposits Post for Banks?

Once direct deposits post, the funds are usually available.

Once direct deposits post, the funds are usually available.

The days of the paper paycheck are fading fast. Most people receive their payments through direct bank deposit. Typically, your employer must submit its payroll at least a couple days ahead of the actual date of payment. For instance, if payroll is May 15, the employer must send its payroll during the business day on May 13 to ensure it reaches your account on May 15.

More Posting Details

Actual posting times and fund availability can vary by bank. In many cases, your paycheck comes through just after midnight or early in the morning on payday. If the bank is late submitting its payroll, your deposit could arrive late as well. Your bank can usually tell you what time of day your deposit posts on the payroll date.


About the Author

Neil Kokemuller has been an active business, finance and education writer and content media website developer since 2007. He has been a college marketing professor since 2004. Kokemuller has additional professional experience in marketing, retail and small business. He holds a Master of Business Administration from Iowa State University.

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