Get Paid 2 Days Early
Set up direct deposit with WalletX and receive your paycheck up to 2 days before everyone else. No fees, no minimum balance.
Banking Without the Bank
All the features you need, none of the fees you hate.
Early Direct Deposit
Get your paycheck up to 2 days early when you set up direct deposit.
No Monthly Fees
Unlike traditional banks, we never charge monthly maintenance fees.
FDIC Insured
Your money is protected up to $250,000 through our partner banks.
Free ATM Access
Withdraw cash from 25,000+ fee-free ATMs nationwide.
No Overdraft Fees
We'll never charge you for an accidental overdraft.
Spending Insights
Automatic categorization and spending breakdowns.
How Early Direct Deposit Works
Get Your Details
Find your WalletX routing and account numbers in the app.
Update Payroll
Give your employer your WalletX banking details for direct deposit.
Get Paid Early
Receive your paycheck up to 2 days before your regular payday.
Save Automatically
Round up every purchase to the nearest dollar and automatically save the difference. It's the easiest way to build savings without thinking about it.
Coffee $3.50
+$0.50 saved
Lunch $12.75
+$0.25 saved
Gas $45.20
+$0.80 saved
Ready to Bank Better?
Set up direct deposit in minutes and start getting paid early.
Get Started Free