Get your pay up to 2 days early with ASAP Direct Deposit^TM** Direct deposit early availability depends on timing of payor’s payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit 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 Chirp account exactly or we will decline your deposit.

Direct deposit early availability depends on timing of payor’s payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit 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 Chirp account exactly or we will decline your deposit.

Offer not transferrable to other accounts or accountholders. Offer available only for first-time direct depositing customers. To become eligible for free phone, your Chirp account must be in good standing and your direct deposit of $200 or more must be from payroll, government benefits or unemployment benefits and post to your account between 7/14/21 and 10/31/21. Eligible customers will be sent an email to the address on file with a link to a webpage where you can order your phone. Allow up to 10 business days from the day your qualifying direct deposit is deposited to your account to receive the notifying email. Free phone requires payment of $100 for first two months of service, plus shipping. No annual contract required. Payment requires a valid debit or credit card with verified billing address. Service includes talk, text and data and is subject to terms. State and local taxes/fees may apply. Offer, device and plan are subject to change. Service may not be available in all markets. Rules and other restrictions apply. Void where prohibited or restricted by law. Limited time offer and only valid in the U.S. Available while supplies last. See order page for complete and current offer details. The Android™ robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution license.

Activated, chip-enabled debit card and opt-in required. $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 the fee. We require immediate payment of each overdraft and overdraft fee. Overdrafts paid at our discretion, and we do not guarantee that we will authorize and pay any transaction. Learn more about Overdraft Protection (PDF).

Available only to Chirp accountholders with direct deposits totaling at least $100 in the past 30 days. Eligibility criteria applies. Other fees apply.