Depending on where you bank, this payday may be a little confusing.
The next regular, active duty payday is Tuesday, 15 December 2020. Most military members will have their military pay deposited on Tuesday, 15 December 2020. But, some military-friendly banks and credit unions offer early crediting of direct deposited military pay, so your pay might be credited prior to that date, and Tuesday paydays can be the most confusing. 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.
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 payday, that will be Monday, 14 December 2020.
Navy Federal Credit Union
Navy Federal Credit Union (NFCU) has two different pay deposit dates depending on what type of checking account you use for your military pay deposit.
Because of Navy Federal’s overnight pay processing system, Active Duty Checking customers will see their pay pending on Friday, 11 December 2020, to be posted overnight and available for use on the morning of Saturday, 12 December 2020. If you have this extra early direct deposit with Navy Federal’s Active Duty Checking, this December end-of-month pay period is going to be a long one – 19 days – during what is the most expensive time of year for many people.
NFCU members with accounts that are not Active Duty Checking accounts will see their pay pending on Monday, 14 December 2020, to be posted overnight and available for use on Tuesday, 15 December 2020.
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.) The Service Credit Union calendar anticipates that pay will be deposited on Friday, 11 December 2020. If you have this extra early direct deposit with Service Credit Union, this December end-of-month pay period is going to be a long one – 19 days – during what is the most expensive time of year for many people.
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 2020 Active Duty Military pay post, or USAA customers can use the 2020 USAA Military Pay Deposit Dates article, or Navy Federal Credit Union members can use the 2020 Navy Federal Active Duty Checking Pay Deposit Dates article.
Looking to learn more about financial issues that affect military families?
Join the Military Money Questions and Answers Facebook group!
Do you want to know more about your military pay and benefits?
Things change fast around here! Keep up-to-date with email alerts about the topics that are important to you!
NFCU 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.
Love your pay calendars & posts, they are so helpful! Will you post a 2019 pay calendar soon? Thanks for all you do!
For 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?
Benjamin, 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?
NFCU 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.
The pay will post overnight from Thursday to Friday. There is no set time – it varies from pay period to pay period.
Hi
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?
Do 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.
Thanks for this. It turns out that Bank of America is also an early depositor. I got paid retirement pay on Friday, June 28.
Today is Thursday July 11th, my husband and I bank with NFCU and receive early active duty military direct deposits, typically today would’ve shown “scheduled deposit +amount” and listed a green – underneath the orange – indicating it is a pay day. There is not a scheduled deposit notification or any indication that we’ll receive our deposits. Should I be worried?
Good Evening!
Thanks for a great article, I have a random question. I logged into my NFCU account today and see a pending deposit from DFAS for this coming Monday 9/30) , I have an active duty account , have they changed their deposit policies or will it realistically deposit over night on Friday and I’ll see it Saturday?
Thanks in advance
I noticed that, too. I can’t say for sure, but I can’t imagine that NFCU would vary from their published pay posting schedule. A lot of people would be really upset about that! I guess we’ll have to wait and see.
I talked to an NFCU rep today, he said we get paid tonight. The recording is wrong
Are you sure?
Charles – what recording? I’m so confused!
My pay is available today, 9/28, vice the 9/30 that was on the Pending Post. This article explains why. Today is the 1 business day before my actual payday. Thanks NFCU.
Hey, so following the schedule for early Active Posting for December 2019, we are supposed to see our final paycheck of the year on the 28th. However, I opened up the Navy Federal app to check the posting date and for this month, it doesn’t even show any Early posting dates and just says mine doesn’t post till the 30th. Is this an error? I’ve called someone from Navy Federal and they said not to worry about it but I just wanted to make sure.