I just noticed this tidbit on the last page of my August Wells Fargo checking account statement:
The primary reason I started using USAA years ago was getting direct deposits a day early and free ATM withdrawals, and with Wells Fargo now offering early availability I'm considering shifting my primary banking back to WF. Recently I've seen first-hand the limitations inherent with online-only banks such as USAA (a topic for another day, and a different thread) so this change with WF is very timely for me.
Some people will say "if getting your DD a day early is a show-stopper, you're doing it wrong" and that's fine, but for many the early availability is useful. In any case, this is definitely a change in the right direction.
You have a Wells Fargo account?
I'm not angry, just...disappointed.
Nice. My local state CU (RBFCU) has been crediting my DD 2 days (sometimes even 3 days!) early since my first job. 
@UncleB
Appreciate your calling this out as the print is so small that those of us with more mature eyes could not see it?
Nice catch!
Appreciate your calling this out as the print is so small that those of us with more mature eyes could not see it?
Nice catch!
@cashorcharge wrote:Thanks @UncleB
I guess I need to spend more time reading my statements. This is great!
Oddly enough...today I noticed a transfer from Apple Cash that I initiated last night and I didn't choose the expedite. I was surprised it was there this morning as it considers Apple Cash to be a Direct Deposit when I would have normally not seen it until TUE.
Same here... I had a miniscule Venmo balance that I decided to transfer to checking just to see how long it would take. I initiated the transfer around 3pm yesterday, and this morning it was already in my WF checking account. And not just credited/available, but fully posted.
I was concerned about the fine print (thus my "some" in the thread subject line) but that might just be boilerplate legal stuff so they can CYA. I'm interested to see how they handle 'real' DDs in a few weeks!
@Anonymous wrote:
@UncleB
Appreciate your calling this out as the print is so small that those of us with more mature eyes could not see it?
Nice catch!
I hear ya, @Anonymous, my eyes aren't what they used to be either!
I have electronic statements so I don't always get around to looking at all the fine-print either, but thankfully this time it worked out where I did.
Fun random fact... I have an account type no longe offered, so I was looking over the e-statement to see what it's called, LOL. (It's "Wells Fargo Preferred Checking.")
@UncleB wrote:I just noticed this tidbit on the last page of my August Wells Fargo checking account statement:
The primary reason I started using USAA years ago was getting direct deposits a day early and free ATM withdrawals, and with Wells Fargo now offering early availability I'm considering shifting my primary banking back to WF. Recently I've seen first-hand the limitations inherent with online-only banks such as USAA (a topic for another day, and a different thread) so this change with WF is very timely for me.
Some people will say "if getting your DD a day early is a show-stopper, you're doing it wrong" and that's fine, but for many the early availability is useful. In any case, this is definitely a change in the right direction.
Nowadays, there are lots of instititutions which offer early direct deposit. Here is a sampling of them.
