Financial Institutions Offering Early Direct Deposits for Military
Banks and Credit Unions That Make Early Deposits for Active Duty Military
As a standard rule, service members know their bi-weekly salary will get paid out on the 1st and 15th of every month. When that date falls on a weekend, the pay is moved to the closest weekday instead.
However, many banks and credit unions offer early direct deposit of military pay as a benefit for their military clientele. These military-friendly financial institutions offer to distribute pay as early as 3 days before the Defense Finance and Accounting Service (DFAS) actually deposits the funds.
Military Pay Calendar
| Month | Mid-Month Pay Day | LES Available | End-of-Month Pay Day | LES Available |
| January | Jan 15 | Jan 8 | Jan 30 | Jan 23 |
| February | Feb 13 | Feb 6 | Feb 27 | Feb 20 |
| March | Mar 13 | Mar 6 | Mar 31 | Mar 24 |
| April | Apr 15 | Apr 8 | Apr 30 | Apr 23 |
| May | May 15 | May 8 | May 29 | May 22 |
| June | Jun 15 | Jun 8 | Jun 30 | Jun 23 |
| July | Jul 15 | Jul 8 | Jul 31 | Jul 24 |
| August | Aug 14 | Aug 7 | Aug 31 | Aug 24 |
| September | Sep 15 | Sep 8 | Sep 30 | Sep 23 |
| October | Oct 15 | Oct 8 | Oct 30 | Oct 23 |
| November | Nov 13 | Nov 6 | Nov 30 | Nov 23 |
| December | Dec 15 | Dec 5 | Dec 31 | Dec 24 |
* LES – Leave and Earnings Statements (for end-of-month and mid-month pay days)
These dates are applicable to all branches: Army, Marine Corps, Navy, Air Force, Coast Guard, and Space Force.
Financial Institutions with Early Deposit Dates for Military Pay
Armed Forces Bank
The bank’s website clearly outlines the specifics of its Early Pay service: it is a “free, automatic direct deposit service” offered only to active-duty or retired service members. Pay is available one business day before the standard payday and only on DFAS direct deposits; no other qualifying companies exist.
Armed Forces Bank Pay Dates
| Month | Mid-Month Pay Day | Pay Available | End-of-Month Pay Day | Pay Available |
| January | 1/15 | 1/14 | 1/30 | 1/29 |
| February | 2/13 | 2/12 | 2/27 | 2/26 |
| March | 3/13 | 3/12 | 4/1 | 3/31 |
| April | 4/15 | 4/14 | 5/1 | 4/30 |
| May | 5/15 | 5/14 | 6/1 | 5/29 |
| June | 6/15 | 6/12 | 7/1 | 6/30 |
| July | 7/15 | 7/14 | 7/31 | 7/30 |
| August | 8/14 | 8/13 | 9/1 | 8/31 |
| September | 9/15 | 9/14 | 10/1 | 9/30 |
| October | 10/15 | 10/14 | 10/30 | 10/29 |
| November | 11/13 | 11/12 | 12/1 | 11/30 |
| December | 12/15 | 12/14 | 12/31 | 12/30 |
For more info, please visit their website.
Langley Federal Credit Union
“Early Payday Deposit” from Langley FCU is a member benefit advertised as receiving direct deposited paychecks “up to 3 days earlier than other financial institutions.”
| Month | Mid-Month Pay Day | Pay Available | End-of-Month Pay Day | Pay Available |
| January | 1/15 | 1/12 | 1/30 | 1/27 |
| February | 2/13 | 2/10 | 2/27 | 2/24 |
| March | 3/13 | 3/10 | 4/1 | 3/27 |
| April | 4/15 | 4/10 | 5/1 | 4/28 |
| May | 5/15 | 12/12 | 6/1 | 5/27 |
| June | 6/15 | 6/11 | 7/1 | 6/26 |
| July | 7/15 | 7/10 | 7/31 | 7/28 |
| August | 8/14 | 8/11 | 9/1 | 8/27 |
| September | 9/15 | 9/11 | 10/1 | 9/28 |
| October | 10/15 | 10/12 | 10/30 | 10/27 |
| November | 11/13 | 11/9 | 12/1 | 11/25 |
| December | 12/15 | 12/11 | 12/31 | 12/28 |
For more info, please visit their website.
NFCU
Navy Federal Credit Union Early Deposit Dates for Military Pay
Security Service Federal Credit Union – SSFCU
As the SSFCU website says, “Your Money, No Wait.” SSFCU offers a free, expedited direct deposit service for active or retired military pay, which allows access to pay 1-3 days prior to payday.
| Month | Mid-Month Pay Day | Pay Available (Est.) | End-of-Month Pay Day | Pay Available (Est.) |
| January | 1/15 | 1/12 | 1/30 | 1/27 |
| February | 2/13 | 2/10 | 2/27 | 2/24 |
| March | 3/13 | 3/10 | 4/1 | 3/27 |
| April | 4/15 | 4/10 | 5/1 | 4/28 |
| May | 5/15 | 12/12 | 6/1 | 5/27 |
| June | 6/15 | 6/11 | 7/1 | 6/26 |
| July | 7/15 | 7/10 | 7/31 | 7/28 |
| August | 8/14 | 8/11 | 9/1 | 8/27 |
| September | 9/15 | 9/11 | 10/1 | 9/28 |
| October | 10/15 | 10/12 | 10/30 | 10/27 |
| November | 11/13 | 11/9 | 12/1 | 11/25 |
| December | 12/15 | 12/11 | 12/31 | 12/28 |
For more info, please visit their website.
Service Credit Union
Service Credit Union states that its Military Early Pay means service members “get paid up to 2 business days early,” pending the receival of DFAS data.
| Month | Mid-Month Pay Day | Pay Available | End-of-Month Pay Day | Pay Available |
| January | 1/15 | 1/13 | 1/30 | 1/28 |
| February | 2/13 | 2/11 | 2/27 | 2/25 |
| March | 3/13 | 3/11 | 4/1 | 3/30 |
| April | 4/15 | 4/13 | 5/1 | 4/29 |
| May | 5/15 | 5/13 | 6/1 | 5/28 |
| June | 6/15 | 6/11 | 7/1 | 6/29 |
| July | 7/15 | 7/13 | 7/31 | 7/29 |
| August | 8/14 | 8/12 | 9/1 | 8/28 |
| September | 9/15 | 9/11 | 10/1 | 9/29 |
| October | 10/15 | 10/13 | 10/30 | 10/28 |
| November | 11/13 | 11/10 | 12/1 | 11/25 |
| December | 12/15 | 12/11 | 12/31 | 12/29 |
For more info, please visit their website.
USAA
USAA Early Deposit Dates for Military Pay
Other Banks That May Offer Early Direct Deposit for Military
A few additional banks that may offer early direct deposit options:
- Andrews Federal Credit Union
- Kinetic Credit Union
- Pentagon Federal Credit Union
- Key Bank
- Capitol One
- Chase Bank
For a complete Pay Rate chart for Officers, Warrants, and Enlisted, visit DFAS
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