The next regular, active duty payday is Friday, 1 November 2019. Most military members will have their military pay deposited on Friday, 1 November 2019. Some military-friendly banks and credit unions offer early crediting of direct deposited military pay, so your pay might be credited before Friday, 1 November 2019. 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.
These Long Pay Periods
Regardless of how you get paid, you’re going to have at least one long pay period this fall.
If your pay is credited early, like with USAA or Navy Federal’s Active Duty checking, or Service Credit Union, the October end-of-month paycheck is going to be 19 or 20 days long. To understand how this happens, you might want to read Long Pay Period Warning, And Some Thoughts On It.
And regardless of whether you get paid on payday, or early, the December end-of-month pay period (you know, Christmas) is going to be 18 days long.
If you’re living paycheck-to-paycheck, plan ahead if so that you don’t find yourself stuck. Check out the tips in 85 Ways To Get Through A Long Pay Period for ideas to make ends meet. Better yet, stop by your installation’s family readiness center and sit down with their financial readiness person to create a long-term financial plan to make sure these weird paydays aren’t a problem in the future.
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 Thursday, 31 October 2019.
Navy Federal Credit Union
Navy Federal Credit Union has two different pay deposit dates depending on what type of checking account you use for your military pay deposit.
Active Duty Checking customers will see their pay pending on Wednesday, 30 October 2019, to be posted overnight and available for use on the morning of Thursday, 31 October 2019.
NFCU members with accounts that are not Active Duty Checking accounts will see their pay posted overnight on Thursday, 31 October 2019, to be available for use on Friday, 1 November 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 Wednesday, 30 October 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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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.