Early Payday. Zero Hassle.
Get Paid Up to 2 Days Early
Qualifying direct deposits hit your account up to two full days before your official pay date.1 That’s two extra days to pay a bill, fill the tank, or just breathe easier.
No Direct Deposit Fees. Ever.
Setting up direct deposit with CINQ by Coinstar™ Debit Card costs exactly nothing. No fees to start, no fees to maintain — just your money, arriving sooner.
Works with Your Paycheck
Employer paychecks, gig platform payouts (Uber, Lyft, DoorDash), Social Security, government benefits, retirement payments — if it’s a qualifying direct deposit, it qualifies for early payday.
Early Payday Is Just the Beginning.
Your CINQ by Coinstar™ Debit Card comes loaded with benefits that work every day, not just on payday
No MONTHLY or Surprise Fees
No activation fee. No direct deposit fees. No purchase transaction fees.
Fee-Free ATMs Nationwide
Withdraw cash fee-free at 40,000+ ATMs in the Allpoint Network.3
24/7 Live Customer Support
Reach a live support team member anytime — 24 hours a day, 7 days a week.
10,000+ Reload Locations
Coinstar® Kiosks are located in the stores you already shop. Easily reload cash or coins to your Debit Card year-round at participating locations.
LIMITED TIME OFFER
Get a $20 Bonus
Make your first qualifying direct deposit and we’ll add a $20 bonus to your card.2 No extra steps, no hoops – just a little something extra for getting paid with us.
Two Days Earlier. Real-Life Difference.
It’s not just about being early. It’s about what you can do with it.
Groceries Before the Paycheck Hits
Stock the fridge, handle the household, keep things moving — without waiting until the usual payday to do it.
Pay Bills Before They’re Actually Due
Late fees are the worst kind of fees. When your deposit lands early, the due dates that used to feel tight stop being a thing.
Get Ahead Instead of Keeping Up
Early payday isn’t just about covering what’s due. It’s about having your money ready before the week demands it, so you can stay one step ahead.
Simple Setup.
Faster Paydays.
Choose the method that works best for you.
Manual Setup
Enter details directly into an online payroll system.
- Sign in to the CINQ by Coinstar™ app and go to Settings
- Tap Routing Information
- Share your account and routing numbers with your employer, payroll provider, or benefits portal
Form Submission
Generate a direct deposit form pre-filled with your account details.
- Sign in to the app and go to Settings
- Tap Direct Deposit
- Choose how much to deposit each pay cycle
- Generate your form and send it to your employer or benefits provider
That’s it. Getting your paycheck early has never been easier.
Ready to Start Getting Paid Early?
Set up takes minutes. Early payday starts with your next paycheck.
(1) Direct deposit funds are made available depending on when your employer (or other payer) submits the payment file. We strive to make funds available on the day the payment file is received. Early access to direct deposit funds may be up to two days before the scheduled payment date.
(2) Offer Terms and Conditions: Open to legal residents of the 50 United States and D.C. only. Must be at least age 18 to open a CINQ by Coinstar™ Debit Card. Offer void where prohibited. First direct deposit must be received from your provider for payroll, government benefits, unemployment benefits, social security payments, pension payments, retirement distributions, or independent contractor payments from ‘gig economy’ digital platforms such as ride sharing, food delivery, task-based or similar platform (“Qualified Providers”) between 04/01/2026 at 12:01 AM EST and 12/31/2026 at 11:59 PM EST. First deposit must be a minimum of $100. Limit one bonus per CINQ by Coinstar™ Debit Card account and one bonus per individual. Bonus paid to your CINQ by Coinstar™ Debit Card account within 21 business days of the settlement of your qualifying deposit. See https://cinq.trusthub.com/direct-deposit-bonus-offer for full promotional terms and conditions. Sponsor: Coinstar Asset Holdings, LLC 301 116th Ave SE, Suite 302, Bellevue, WA 98004.
(3) Out-of-network ATM withdrawal, over the counter withdrawal and balance inquiry fees may apply.