“Some banks offer early direct deposit features, which allow you to access your paycheck a day or two before the scheduled payday,” Kullberg explained. “This works by your bank processing ...

The bank allows up to eight early direct deposits per account, per statement cycle, and each paycheck must be $10,000 or less. There is no minimum opening deposit and no monthly service fee.

Earn up to $300 bonus with direct deposit. Plus, new customers earn an extra 0.70% APY on savings for up to 6 months with direct deposit (terms apply) -- that equals up to 4.50% APY!

Early direct deposits In terms of savings, the APYs on some top savings accounts are as high as 5% right now. That's significantly higher than the national average of 0.46%, per the FDIC.

Earn up to $300 bonus with direct deposit. Plus, new customers earn an extra 0.20% APY on savings for up to 6 months with direct deposit (terms apply) -- that equals up to 4.00% APY!