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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.
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)
How it works
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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 -
Stay in the know
Get alerted when your funds are available. Sign up for TD Alerts and get notified when you receive a direct deposit including those that come early with TD Early Pay1 -
No strings attached
TD Early Pay is completely free - $0 to enroll, $0 to get paid early -
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
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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 -
It's more than just paychecks
Eligible direct deposits also include military pay, government benefits, pensions, tax refunds and more -
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.