Does TreasuryDirect count as direct deposit? Bank by bank (2026)
Gov-coded; helps at strict banks (Chase, BofA), fails at Ally/Amex.
Type: Bank
Confirmed working at 6 banks, mixed at 1, 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 | 14 member reports of it working, last confirmed May 2026. |
| Bank of America | Works | — |
| BMO | Works | 19 member reports of it working, 3 reports of it failing, last confirmed Jan 2026. |
| American Express Checking | Works | — |
| Connexus Credit Union | Works | — |
| Consumers Credit Union (Illinois) | Works | — |
| U.S. Bank | Mixed | — |
How to set it up
Gov-coded; helps at strict banks (Chase, BofA), fails at Ally/Amex.
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.