<prompt> Human: My checking account offers a day early direct deposits, so if my co workers get paid on Friday, I get paid on Thursday. Ive seen banks online do 2 days early. How do banks do this?  <response>: I believe most payroll systems send using the ACH payment method. This system takes 2 days to process, but the receiving institution is aware of the transfer, and can provide the funds as a courtesy, in order to get more people to bank with them. 