Does Vanguard count as direct deposit? Bank by bank (2026)
Sparse data; works at Capital One, fails at BofA. Mostly unknown.
Type: Brokerage
Confirmed working at 1 bank, mixed at 1, fails at 1.
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 |
|---|---|---|
| Capital One 360 | Works | 1 member report of it working, last confirmed Mar 2026. |
| Bank of America | Mixed | — A fresh July 2026 bonus report after years of failures, so it is turning rather than settled. |
| Chase | Fails | — |
How to set it up
Sparse data; works at Capital One, fails at BofA. Mostly unknown.
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.