Does real payroll count as direct deposit everywhere? Bank by bank (2026)
The only near-universal trigger — real payroll or SSA/pension/tax-refund, PPD-coded. Works even at the strictest banks (Chase, US Bank).
Type: Payroll or government
Confirmed working at 53 banks, mixed at 0, fails at 0.
Bank by bank
Sorted works first, then mixed, then fails. Each bank name links to its review, where you can see the offer's full requirements.
| Bank | Verdict | Reports |
|---|---|---|
| Chase | Works | 27 member reports of it working, 8 reports of it failing, last confirmed Feb 2026. |
| U.S. Bank | Works | 86 member reports of it working, 4 reports of it failing, last confirmed Jun 2026. |
| Bank of America | Works | 6 member reports of it working, last confirmed Apr 2026. |
| Citi | Works | 8 member reports of it working, 3 reports of it failing, last confirmed Mar 2025. |
| Capital One 360 | Works | 5 member reports of it working, last confirmed Mar 2026. |
| Wells Fargo | Works | 17 member reports of it working, 3 reports of it failing, last confirmed May 2026. |
| PNC | Works | 12 member reports of it working, 8 reports of it failing, last confirmed Sep 2025. |
| TD Bank | Works | 7 member reports of it working, last confirmed Jan 2023. |
| Truist | Works | 9 member reports of it working, 1 report of it failing, last confirmed Mar 2026. |
| Citizens Bank | Works | 10 member reports of it working, 1 report of it failing, last confirmed Jul 2026. |
| Fifth Third | Works | 5 member reports of it working, last confirmed Jul 2026. |
| KeyBank | Works | 10 member reports of it working, last confirmed Jun 2026. |
| Regions | Works | 2 member reports of it working, last confirmed Mar 2025. |
| Huntington | Works | — |
| Santander | Works | 2 member reports of it working, last confirmed Jun 2026. |
| Flagstar | Works | 3 member reports of it working, last confirmed May 2026. |
| Old National | Works | 4 member reports of it working, last confirmed Jul 2026. |
| Associated Bank | Works | — |
| Comerica | Works | — |
| M&T Bank | Works | 18 member reports of it working, 5 reports of it failing, last confirmed Mar 2025. |
| Webster Bank | Works | The only near-universal trigger — real payroll or SSA/pension/tax-refund, PPD-coded. 0 member reports of it working, 2 of it failing. |
| Valley National | Works | — |
| First Horizon | Works | 11 member reports of it working, last confirmed Feb 2026. |
| BMO | Works | 20 member reports of it working, 5 reports of it failing, last confirmed Mar 2026. |
| SoFi | Works | 61 member reports of it working, 13 reports of it failing, last confirmed Jun 2026. |
| Chime | Works | 2 member reports of it working, 1 report of it failing, last confirmed May 2026. |
| Varo | Works | 12 member reports of it working, 4 reports of it failing, last confirmed Jun 2026. |
| Current | Works | 9 member reports of it working, 3 reports of it failing, last confirmed Jun 2026. |
| Discover | Works | — |
| American Express Checking | Works | 11 member reports of it working, 4 reports of it failing, last confirmed Apr 2026. |
| USAA | Works | 6 member reports of it working, last confirmed Jul 2026. |
| Navy Federal | Works | — |
| Alliant Credit Union | Works | — |
| PenFed | Works | — |
| Connexus Credit Union | Works | — |
| Four Leaf Federal Credit Union | Works | 2 member reports of it working, last confirmed Jun 2026. |
| Consumers Credit Union (Illinois) | Works | — |
| First Tech Federal Credit Union | Works | 11 member reports of it working, 6 reports of it failing, last confirmed Oct 2025. |
| Affinity Federal Credit Union | Works | — |
| Redstone Federal Credit Union | Works | — |
| Delta Community Credit Union | Works | 2 member reports of it working, last confirmed Oct 2025. |
| PSECU | Works | 4 member reports of it working, 6 reports of it failing, last confirmed Jan 2026. |
| Andrews Federal Credit Union | Works | — |
| Ameriprise Bank | Works | — |
| Upgrade | Works | — |
| Dedham Savings | Works | — |
| Stanford Federal Credit Union | Works | — |
| Hancock Whitney | Works | — |
| BCU (Baxter Credit Union) | Works | — |
| Wintrust Bank | Works | 10 member reports of it working, 2 reports of it failing, last confirmed Aug 2025. |
| Busey Bank | Works | — |
| Banner Bank | Works | — |
| Citadel Credit Union | Works | — |
How to set it up
The only near-universal trigger — real payroll or SSA/pension/tax-refund, PPD-coded. Works even at the strictest banks (Chase, US Bank).
Send at least the offer's stated minimum, a little early in your bonus window. Standard ACH takes 1 to 3 business days to settle, so you want time left over to switch to real payroll if this push does not register as a direct deposit.