What time does direct deposit go through Wells Fargo? If you just set up direct deposit of your paycheck to your checking account, you may be curious when it comes. The direct deposit time is the same as other big banks like Bank of America, Chase, PNC Bank, and others. Direct deposit appears on your Wells Fargo checking account on your payday in a pending state. It happens first thing in the morning. Other banks that offer you an early direct deposit feature make money available the day before. They skip the pending state altogether. On the next business day, direct deposit goes through and becomes available to you.

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