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Direct Deposit Payment Speeds in CleanCloud Payroll

Learn about the 4-day, 2-day, and next-day direct deposit options in CleanCloud Payroll, including requirements and processing timelines.

Account Management avatar
Written by Account Management
Updated over a month ago

CleanCloud Payroll (powered by Gusto) offers three direct deposit speeds for paying employees and contractors:

  • Next-Day Payments

  • 2-Day Payments (default for most new employers)

  • 4-Day Payments

Your default speed may change based on eligibility. You can request an upgrade by contacting our team.


Next-Day Payments

With next-day payments, you can run payroll or contractor payments one business day before payday.

ⓘ Important: Employees will receive their pay in the afternoon or early evening on payday.

Requirements for Next-Day Payments

  • Maintain sufficient funds in your bank account.

  • If we can’t debit the account, payments will be blocked, and next-day status will be removed.

  • Payments exceeding your direct deposit limit will default to 4-day processing.

  • Deadline: Submit payments by 4:00 PM PT one business day before the check date.

Example Timeline

  • Thursday (by 4 PM PT): Run payroll.

  • Thursday: Funds are debited.

  • Friday: Employees receive funds between 1:30 PM – 5:00 PM local time.


2-Day Payments

With 2-day payments, payroll must be submitted two business days before payday.
Funds are typically deposited earlier in the day than next-day payments.

Requirements for 2-Day Payments

  • Keep sufficient funds in your account.

  • Overdrafts or failed debits will block payments and deactivate 2-day access.

  • Payments over your deposit limit will be processed in four business days.

  • Deadline: Submit payroll by 4:00 PM PT two business days before payday.

Example Timeline

  • Wednesday (by 4 PM PT): Run payroll.

  • Wednesday: Funds are debited.

  • Friday: Employees receive funds, typically in the morning.


4-Day Payments

With 4-day payments, payroll must be submitted four business days before the check date.


This is typically the fallback schedule for payments exceeding your limit or accounts that don't meet faster-speed criteria.

Requirements for 4-Day Payments

  • Funds must be available at the time payroll is submitted.

  • Depending on your bank, the debit may happen same-day or the following day.

  • Deadline: Run payroll by 4:00 PM PT four business days before payday.

Example Timeline

  • Monday (by 4 PM PT): Run payroll.

  • Tuesday – Thursday: Funds are processing.

  • Friday: Employees receive funds, usually in the morning.

👉 If you miss the deadline for any payment speed, you can:

  • Submit a late payment, or

  • Pay employees manually by check for that payroll.


Switch Your Direct Deposit Speed

If you'd like to change your company's direct deposit speed (Next-Day, 2-Day, or 4-Day), you can request an update through your CleanCloud account.

  1. Click the Help button in your CleanCloud account to contact the Account Management Team.

  2. Provide the following information:

    • Company Entity Name

    • FEIN Number

    • The direct deposit speed you’d like to switch to (Next-Day, 2-Day, or 4-Day)

We’ll review your request and follow up with next steps.


🛟 Need more help?

Explore our Help Center articles for answers. Contact us for further assistance.

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