early paycheck


Get paid up to two days early.

Pay day is a great day. But what if you could have your paycheck in your account up to two days early? You can, when you set up direct deposit.

Ready to get started?

Set up direct deposit with your employer or right from the Spruce app and you’re on your way. Here’s how it’s done:

  • Open the Spruce app.

  • Head to the settings menu and select “direct deposit.”

  • Follow the prompts to enroll in direct deposit for your employer or provider.

Early paychecks give you the power.

With early access to your funds, you have more control over your money and where it goes. Enjoy a night on the town, get ahead of upcoming bills, or just enjoy the feeling of security that comes with having access to your money earlier.


First, you need to set up direct deposit to your spending account. Once you are successfully setup, the “early payday” feature will start to kick in. This means that your paycheck will be deposited into your account up to 2 days sooner than regularly scheduled.

Direct deposit is a method of payment where money is electronically transferred from one account to another. For payroll checks, your employer may offer to send your paycheck directly to your bank account instead of giving you a paper check. If your employer does direct deposit, you may be able to easily enroll in direct deposit through Spruce and even get paid up to 2 days early.

Spruce makes enrolling in direct deposit easy! You can set up direct deposit electronically with Atomic or manually through the form, which can be found in the Account management section on the Profile & Settings page.

ACH stands for Automated Clearing House, which is a network that allows financial institutions to electronically transfer money between accounts. The most common ACH transactions include direct deposit, direct payment, same-day transactions, and automatic debit. Using ACH for transactions is a convenient and secure way to move money quickly.

Spruce fintech platform is built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts established at, and debit card issued by, Pathward®, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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  1. Early access depends on when payment is submitted. Funds are generally made available when payment instruction is received, which may be earlier than scheduled payment date.
  2. This is a separate and optional service provided by Atomic (not Pathward, which provides your Spruce Spending and Savings accounts).