eli5, how does “get your paycheck 2 days sooner” work?
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Banks offer this as a feature to attract customers. Normally direct deposits take a couple of days to settle and show up in your account. In this case, the bank gives you access to the money right away while it is still processing. There is a slight risk to them, since something may go wrong and they may not actually get the money from the sender, but they have judged that it is small enough to be acceptable.
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