A Square Checking merchant receives a note that they’ve received early access to their DoorDash funds.

As a business owner, timely access to your funds is crucial. That’s why we’re excited to introduce early deposit access to help you get your money faster.* As a Square Checking account holder, you can now receive your ACH deposits (one time or recurring) up to two days earlier. Say goodbye to waiting and enjoy the benefits of faster access to your hard-earned money.

Get started by opening a Square Checking account

No fees, no minimums, and no credit checks.
Plus, it only takes two minutes to sign up.

  • Faster access to more of your funds. Whether you’re a restaurant owner using DoorDash or a retail merchant selling items through Etsy or Amazon, you can access your payouts up to two days earlier, regardless of the payment source. Use it for inventory, bills, or fueling your business growth without unnecessary delays.

  • Seamless integration with no fees. Early deposit access is automatic for all Square Checking account holders. No need to enroll. No fees. Simply use your checking account and routing numbers to receive deposits into your Square Checking account and get access to those funds up to two days earlier.

  • Streamline cash flow to simplify finances. Effective cash flow management is crucial for any business owner. With early deposit access, you can consolidate your funds in one secure place — your Square Checking account. By bringing all your deposits together, you gain greater control and visibility over your cash flow. Plus, by spending directly from your Square Checking account and Square Debit Card, you can simplify your processes and eliminate the need for multiple accounts.

early deposit access

Learn more about Square Checking and start getting faster access to your funds when you use your checking account and routing numbers to receive ACH deposits.

Square Checking is provided by Sutton Bank, Member FDIC. Square Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard. Square Debit Card may be used wherever Mastercard is accepted. Accounts are FDIC-insured up to $250,000. Funds generated through Square payment processing services are generally available in the Square Checking account balance immediately after a payment is processed. Fund availability times may vary due to technical issues.

*With early deposit access, Block, Inc. may make incoming electronic direct deposits made through ACH available for up to two days before the scheduled payment date. Not all direct deposits are eligible. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Early deposit access is automatic and there is no fee.