Get early access to your money
Turn Wednesday into Fri-YAY.
Sometimes, when payday is just around the corner, that corner feels very, very far away. Whether it’s getting a jump on weekend errands, prepping for this weekend’s birthday party, or grabbing some groceries, getting access to your money as soon as it’s available is always helpful. And, in the case of surprises like car repairs or bills, an early payday can often bring peace of mind.
Did you know that some accounts, like the Walmart MoneyCard, can actually get you your money up to two days early1 with early direct deposit- giving you access to your money when you need it most.
With a Walmart MoneyCard account and early direct deposit, you can get access to your pay up to two days early, and up to four days early for government benefits1, which include:
- Social Security benefits
- SSI (Supplemental Security Income)
- Pension payments
- Railroad Retirement Benefits (RRB)
- Defense Finance and Accounting Service (DFAS) payments
- State unemployment benefits
- Government Disability Benefits (SSDI or Workers' Compensation)
- Veterans' benefits
Additionally, you can earn 3% cash back on Walmart.com purchases up to $75 each year2, opt in for overdraft protection up to $3003 with eligible direct deposit, no monthly fees with qualifying direct deposit,4 and so much more. You’ll receive a debit card that can be used anywhere Visa® or Mastercard® are accepted, and with the Walmart MoneyCard mobile app, you can manage your account from anywhere—getting notified as soon as your pay hits your account.
Sign up for a Walmart MoneyCard with early direct deposit.
Must be 18 or older to purchase a Walmart MoneyCard. Activation requires online access and identity verification (including SSN) to open an account. Mobile or email verification and mobile app are required to access all features.
The Walmart MoneyCard Mastercard Card is issued by Green Dot Bank, Member FDIC, pursuant to a license by Mastercard International Inc. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Walmart MoneyCard Visa Card is issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. Green Dot is a registered trademark of Green Dot Corporation.
Cash back, up to $75 per year, is credited to card balance at end of reward year and is subject to successful activation and other eligibility requirements. Redeem rewards using our website or app. You will earn cash back of three percent (3%) on qualifying purchases made at Walmart.com and in the Walmart app using your card or your card number, two percent (2%) at Walmart fuel stations, and one percent (1%) on qualifying purchases at Walmart stores in the United States (less returns and credits) posted to your Card during each reward year. Grocery delivery and pickup purchases made on Walmart.com or the Walmart app earn 1%. For the purpose of cash back rewards, a "reward year" is twelve (12) monthly periods in which you have paid your monthly fee or had it waived. See Deposit Account Agreement for details.
Opt-in required. Account must have initial eligible direct deposits, must be in good standing and have an activated chip-enabled debit card to opt-in. Ongoing eligible direct deposits and other criteria apply to maintain eligibility for overdraft protection. Only debit card purchase transactions are eligible for overdraft protection and overdrafts are paid at our discretion. We reserve the right to not pay overdrafts. For example, we may not pay overdrafts if the account is not in good standing, or is not receiving ongoing eligible direct deposits, or has too many overdrafts. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee. Overdraft protection is only available on Demand Deposit Accounts that meet eligibility requirements. Log into and refer to your Account Agreement to check feature availability.
Monthly fee waived when you direct deposit $500+ in the previous monthly period. Otherwise, $5.94 a month.
Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your Walmart MoneyCard account to prevent fraud restrictions on the account.
Limits apply. Your funds typically become available on your account within 10 minutes for your use.
Carrier message & data rates may apply.
Monthly fees will continue on locked cards. Previously authorized transactions and deposits/transfers to your account will function with a locked card.
Interest paid annually on each enrollment anniversary based on the average daily balance across all savings of the prior 365 days, up to a maximum average daily balance of $1,000 across all savings, if the primary account is in good standing and has a positive balance. 2.00% Annual Percentage Yield may change at any time before or after account is opened. Annual Percentage Yield is accurate as of January 2026. Fees on your primary account may reduce earnings on your savings account. See Deposit Account Agreement for terms and conditions.