The next regular, active duty payday is Monday, 1 July 2019. These Monday paydays can be really confusing. Most military members will have their military pay deposited on Monday, 1 July 2019. However, depending on your bank or credit union, you may have access to your funds earlier if they offer early crediting of direct deposited military pay. The biggest bank that offers this benefit is USAA, and Navy Federal Credit Union (NFCU) offers it for members who use an Active Duty Checking account.
Long pay period warning: If you receive your pay early, the July end-of-month pay period is going to be long…plan ahead to avoid being broke at the end of July.
USAA
USAA’s early crediting policy is straightforward and easy to understand: military pay deposits are credited one business day prior to the actual military payday. For this pay period, that will be Friday, 28 June 2019.
Navy Federal Credit Union
Navy Federal Credit Union has two policies that are confusing to people. First, they have two different pay deposit dates, depending on what type of checking account you use. If you use an “Active Duty Checking” account, you get early crediting. If you use any other type of account, you don’t get early crediting. Second, they have a depositing system based on scheduling the deposit the day before, then crediting it overnight, that relies on the “day before” being a weekday. This means that sometimes even “regular” checking accounts get the benefit of early direct deposit, even though that is usually only a benefit of Active Duty Checking. So how’s this going to look over THIS payday?
NFCU customers with Active Duty Checking accounts will see their pay posted overnight on Thursday, 27 June 2019, to be available for use on Friday, 28 June 2019.
Even though the regular payday isn’t until Monday, NFCU’s overnight processing system means that non-Active Duty Checking customers will see their pay posted overnight on Friday, 28 June 2019, to be available for use on Saturday, 29 June 2019.
Service Credit Union
Service Credit Union’s early crediting offer is “up to two business days,” pending the receipt of the pay files from the Defense Finance and Accounting Service (DFAS.) For this pay period, Service Credit Union anticipates crediting pay on Thursday, 27 June 2019.
You can see a complete list of banks and credit unions that I know offer early direct deposit at Banks and Credit Unions With Early Direct Deposit Of Military Pay
Depending on how you plan your spending, knowing when the next military payday will come can make a big difference in your plans. Start planning for the year with the 2019 Active Duty Military pay post, or USAA customers can use the 2019 USAA Military Pay Posting article.
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L.Seay says
12 October 2018 at 6:20 amNFCU direct deposits have always been confusing for me and many of my coworkers… especially when payday lands on a Monday. This article explains it much better than any that I have found. I have sent this link to several of my coworkers. Thank you for breaking it down into plain English.
Cris says
26 October 2018 at 10:59 amLove your pay calendars & posts, they are so helpful! Will you post a 2019 pay calendar soon? Thanks for all you do!
Benjamin says
12 January 2019 at 12:17 amFor some reason I have not gotten payed yet. I have navy federal active duty checking. I’m stationed at fort Carson in Colorado. It usually drops around 10pm which is midnight where DFAS headquarters is. Any therious on if I should still get payed before Monday?
Kate Horrell says
12 January 2019 at 12:18 pmBenjamin, Navy Federal members with Active Duty checking accounts should be paid sometimes overnight to be available for use today. It doesn’t always happen at an exact time – we’re talking about thousands of transactions here, and that takes some time. I’m guessing you got paid since you wrote this?
Allison says
10 April 2019 at 11:50 amNFCU customers with Active Duty Checking accounts will see their pay posted overnight on Thursday, 11 April 2019, to be available for use on Friday, 12 April 2019 –
Does this mean that the deposit hits tonight at midnight (4/11)? I don’t see a pending deposit like I usually do.
Kate Horrell says
10 April 2019 at 6:02 pmThe pay will post overnight from Thursday to Friday. There is no set time – it varies from pay period to pay period.
Ace says
29 April 2019 at 11:38 pmHi
I usually see a pending deposit days before my post date. As of today Apr 29, 2019 there is no such thing. Should I be worried?
Kate Horrell says
30 April 2019 at 1:20 pmDo you bank with Navy Federal? I’ve found that I often see the deposit pending, and then it disappears sometime during the day on which it will then post overnight.
I hope it all worked out for you.