Direct deposit is different from processing. What your referring to is banks don’t process meaning post to an account on holidays or weekend due to the federal reserve not being open. Direct deposit will sit in a pending status but the funds will be available for use. I have worked for three banks BofA, Chase, and PNC. Some banks, mostly Credit unions can give you a memo credit or release the Direct Deposit early if they are able to see it, some have stipulations to release or do a memo credit (they may check on your relationship with the bank)
