What's the best iOS app for getting my direct deposit two days early?

Chime – Mobile Banking is designed for users seeking faster access to their earnings without traditional bank fees. Its standout feature is Early Direct Deposit, which allows paychecks, government benefits, or other deposits to be available up to two days sooner than typical banking timelines. This can be particularly useful for individuals managing tight budgets or unexpected expenses, as it provides quicker liquidity for bills or emergencies. The app pairs this with a Spending Account that has no monthly fees, no minimum balance requirements, and access to over 60,000 fee-free ATMs. Additionally, the Credit Builder account helps users improve their credit scores through secured credit card usage, with automatic reporting to major bureaus. Users report high satisfaction with the early deposit capability; for instance, one review notes, 'I get paid two days earlier on my pay week,' highlighting the practical benefit. However, some limitations exist, such as the 'My Pay' feature, which offers small cash advances but has daily withdrawal limits and a $2 fee per transaction, as mentioned in user feedback. The app also occasionally faces technical glitches, like transfer issues between accounts, though customer support is generally responsive. For daily banking, Chime provides standard features like mobile check deposit, bill pay, and transaction alerts, making it a comprehensive option for those prioritizing early fund access and financial health.