TD Early Pay

Life doesn't wait for payday, you shouldn't either. Get a jump start by receiving your funds up to 2 days early with TD Early Pay1 – no fees or enrollment. Earlier direct deposits. Better flexibility and control.

  • When we say direct, we mean it

    We make your funds available as soon as we have information about your incoming direct deposit. Giving you access to your money up to 2 days early

  • More than paychecks

    Eligible direct deposits also include payments like government benefits, tax refunds, military pay and pensions – and you can get it all faster with TD Early Pay

  • No enrollment

     TD Early Pay is automatic on eligible direct deposits. Once we have the information about your incoming direct deposit, we'll make the funds available

  • Be in the know

     Sign up for TD Alerts and get notified when you receive a direct deposit,2 including those that come early with TD Early Pay1

Don't have Direct Deposit? Enroll today

To have your paycheck deposited directly into your checking or savings account, download, print and complete the direct deposit authorization form and give it to your employer’s payroll representative.

To complete this form, you'll need:

  • Your account number
  • Bank routing transit number
  • Type of account (checking or savings)

Find your account and routing numbers

How it works

  1. Get faster access to your funds
    You'll automatically get your direct deposit up to 2 days early on eligible deposits1. For example: Normally get paid on Friday? You can get your money as soon as Wednesday

  2. Stay in the know
    Get alerted when your funds are available. Sign up for TD Alerts and get notified when you receive a direct deposit2 including those that come early with TD Early Pay1

  3. No strings attached
    TD Early Pay is completely free - $0 to enroll, $0 to get paid early

  4. Skip the hassle
    TD Early Pay comes standard on any TD Checking or Savings account and is automatic if you are enrolled in direct deposit

  1. Plan ahead with earlier payments
    Do more with your money sooner, like get a jump start on bills and access your funds when you need them most

  2. It's more than just paychecks
    Eligible direct deposits also include military pay, government benefits, pensions, tax refunds and more

  3. How do I enroll in Direct Deposit?
    It's quick and easy, Sign up here. Make sure you have your account number, bank routing number and type of account handy

TD Early Pay FAQs

TD Early Pay may make eligible direct deposit funds available in your account as soon as we receive the deposit information from the payer—up to two business days early. 

TD Early Pay comes standard on all eligible TD checking and savings accounts. If you're already signed up for Direct Deposit, then you're all set.

Because delivery of your direct deposit depends on when we receive the deposit information from the payer, you may receive your direct deposit 2 days earlier, 1 day earlier or on your regularly scheduled payday. Delivery may also vary from one deposit to the next. Here are some reasons you may not receive your pay early:

  • Your deposit isn’t sent earlier by your employer or payer
  • Your deposit type isn't eligible, such as a bank-to-bank transfer
  • There’s a payroll system issue from your payer
  • Other limitations we set on the account including standard fraud prevention

There is no additional cost for TD Early Pay. 

TD Early Pay is available on all TD personal checking and savings accounts.

More ways to manage your money

  • Overdraft protection and services

    Get more info on overdraft options for your TD Bank Checking account, including benefits, fees and more

  • Get to know your new checking account

    Find everything you need to know about your new checking account in one place

  • Online Banking

    Manage your TD Bank accounts online and with our mobile app, pay bills, send money, set up alerts and more

  • Mobile banking with the TD Bank app

    Explore how you can securely bank and manage your accounts anytime, anywhere from your smartphone or tablet

Don't have a TD checking account?

Our account selector can help you find the account that's right for you and you can open an account online in minutes

1For certain eligible direct deposits, we may make funds available for your use up to two business days before we receive the funds from your payor with our service, TD Early Pay. There is no enrollment necessary and no fee for this service. Not all direct deposits are eligible for TD Early Pay. Eligible direct deposits are limited to electronic direct deposits such as your payroll, pension, and government benefit payments. Other deposits or credits to your account, such as deposits of funds from person-to-person payments services (e.g., Zelle®), check or mobile deposits, and other online transfers are not eligible for TD Early Pay. The Bank does not guarantee that any direct deposits will be made available before the date scheduled by the payor, and early availability of funds may vary between direct deposits from the same payor.

When funds are made available early, they will be reflected in your account’s available balance. Whether we make funds available early depends on (1) when we receive the payor’s payment instructions, (2) any limitations we set on the amount and frequency of early availability, and (3) standard fraud prevention screening.

If a direct deposit is not made available early, it will be made available in accordance with our Availability of Funds Policy described in the Personal Deposit Account Agreement (PDAA). Except as expressly set forth in the PDAA, funds made available early are subject to the same terms and conditions as other deposits to your account. If we’ve made funds available early and the payor reverses or requests a return of the deposit, or the funds are otherwise uncollected by the Bank, you understand and agree that we may debit your account in accordance with our normal process found in subpart e) Direct Deposits, found in the PDAA, up to the amount of the deposit that was previously made available – even if you have already  withdrawn the funds or it creates an overdraft on your account, without prior notice from us and at any time. In this instance, you are responsible for any fees assessed – including those charged by merchants or third parties – as a result of the overdraft. TD Early Pay is offered at the discretion of the Bank, and we reserve the right to cancel the service at any time and without notice to you.

2TD receives the information for your direct deposit at various times throughout the day. Based on the time we receive it and circumstances beyond our control, we may not be able to alert you.

Have a question? Find answers here