On average, direct deposits usually take 1–3 business days to clear. Although the process is quick, the actual time it takes for a deposit to show up in your account depends on when your income provider initiates the payment.

Check with your income provider to be sure they have the correct account and routing numbers for you on file and ask about possible delays on their end. Also, consider any recent or upcoming holidays that could affect the timing of your deposit.

When there's a bank holiday between your payroll and pay dates, there could be a processing delay with your direct deposit:

If your income provider has the correct information and there is no delay on their end, but it is past the time frame and your direct deposit has still not posted, please contact customer support at support@oxygen.us, 866-287-7021 or chat with us on the mobile or web app.