Early Pay

Early Pay is a free service from Discover that gives you access to funds from qualifying Automated Clearing House (ACH) direct deposits up to two days early and Tax Refunds ACH deposits from IRS up to five days early. Keep in mind that early access depends on when the payment initiator (or “Payor”), typically a business or government entity, sends us information that your deposit is on the way.

Early Pay is automatically available to checking, savings (excluding IRA savings) and money market customers who receive qualifying ACH direct deposits. At our discretion, and dependent on the timing of our receipt of the direct deposit instructions, we may make funds from these qualifying direct deposits available to you up to 2 days early (and up to 5 days early for your federal tax refund). See our Deposit Account Agreement for more information.

Simply set up direct deposit (typically with an employer or benefits provider such as Social Security) and we’ll do the rest. If you are already receiving a qualifying ACH direct deposit to your checking, savings (excluding IRA savings), or money market account, there is nothing you need to do.

No. There is no fee for this service.

Checking, savings (excluding IRA savings), and money market accounts are eligible. CDs, IRA savings, and IRA CDs are not eligible.

Yes! You are automatically enrolled in the Early Pay email alert and can unsubscribe at any time. You can also enroll in Early Pay text or push notifications. Keep in mind, enrollment for push notifications is available in the mobile app.