Does Wise count as direct deposit? Bank by bank (2026)
Mixed; stopped counting at SoFi ~03/2026.
Type: Fintech
Confirmed working at 6 banks, mixed at 6, fails at 3.
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 | — |
| KeyBank | Works | — |
| Varo | Works | 9 member reports of it working, 1 report of it failing, last confirmed Jul 2026. |
| American Express Checking | Works | 15 member reports of it working, 7 reports of it failing, last confirmed Jul 2026. |
| Connexus Credit Union | Works | — |
| Consumers Credit Union (Illinois) | Works | — |
| Chase | Mixed | — |
| PNC | Mixed | — |
| Fifth Third | Mixed | — |
| BMO | Mixed | 26 member reports of it working, 8 reports of it failing, last confirmed Mar 2026. |
| Alliant Credit Union | Mixed | — |
| PenFed | Mixed | — |
| U.S. Bank | Fails | — |
| Bank of America | Fails | — |
| SoFi | Fails | — |
How to set it up
Mixed; stopped counting at SoFi ~03/2026.
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.