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Use Chase Direct Deposit to save time by depositing your paycheck directly to your account. Download a direct deposit form now! If a holiday is approaching, deposit cash or request that somebody make a wire transfer into your account prior. Those deposits should be made available for spending within one business day. Official checks and USPS money orders also clear quickly, and direct deposit of your pay should be available within one business day. Early direct deposit services can allow customers to receive their direct deposits, such as their paycheck, up to two business days early. Banks do this by providing funds as soon as the payor, such as your employer, provides the deposit information, rather than waiting for the actual funds to clear. Learn how to make sure your employees get paid on time when there’s a holiday. Holidays can affect your paydays and when you need to send your payroll. Weekends and federal holidays are non-banking days. Additionally, banks often close on state holidays. You’ll want to double-check with your bank for any state holidays they observe. Beginning this month, Secure Banking customers will receive access to eligible direct deposits, such as payroll, tax refunds, government benefits, and pensions, up to two business days early. This covers nearly 90 percent of Secure Banking direct deposits. If payday falls on Thanksgiving, you may receive your paycheck early if your employer processes payroll earlier than normal. But, if they are like most employers, you'll likely receive your pay... Even direct deposits sent on a Friday morning can be available to an employee by 5 p.m. local time using the modern ACH Network's Same Day ACH capability, according to Nacha. A bank holiday can throw a wrench into your finances if it delays a direct deposit you're relying on to cover an urgent expense or meet a payment deadline. Here's a breakdown of what can happen if your payday falls on a bank holiday. That means if a customer had automatic payments set-up for every Thursday, or the 23rd date of each month, it would be bumped on Thanksgiving Day due to the holiday recognition. Additionally, deposits made into any accounts at Chase on Thanksgiving Day follow the same rules, including Chase QuickDeposit using a mobile phone or gadget.

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