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. For instances when that date falls on a weekend, the pay gets moved to the closest weekday instead.
However, there are a number of banks and credit unions that 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 three days in advance of the Defense Finance Accounting Service (DFAS) actually depositing these funds into their coffers.
Military Pay Calendar
| Pay Period | Mid-month Pay Day | LES* Available |
End-of-Month Pay Day | LES* Available |
| January | Jan. 12 | Jan. 8 | Feb. 1 | Jan. 25 |
| February | Feb. 15 | Feb. 8 | Mar. 1 | Feb. 23 |
| March | Mar. 15 | Mar. 8 | Mar. 31 | Mar. 25 |
| April | Apr. 14 | Apr. 8 | May 1 | Apr. 24 |
| May | May 15 | May 8 | May 31 | May 24 |
| June | June 14 | June 7 | July 1 | June 24 |
| July | July 15 | July 8 | Aug 1 | July 25 |
| August | Aug. 15 | Aug. 8 | Aug 30 | Aug. 23 |
| September | Sept. 13 | Sept. 6 | Oct 1 | Sept. 24 |
| October | Oct. 15 | Oct. 6 | Nov. 1 | Oct. 25 |
| November | Nov. 15 | Nov. 8 | Nov 29 | Nov. 22 |
| December | Dec. 13 | Dec. 6 | 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 sets out the specifics for their Early Pay service: it is a “free, automatic direct deposit service” that is only offered 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
| Pay Period | First-of-Month Pay Day | Pay Available | Mid-Month Pay Day | Pay Available |
|---|---|---|---|---|
| January | 1/1 | 12/29 | 1/13 | 1/12 |
| February | 2/1 | 1/31 | 2/15 | 2/14 |
| March | 3/1 | 2/28 | 3/15 | 3/14 |
| April | 3/31 | 3/29 | 4/14 | 4/13 |
| May | 5/1 | 4/30 | 5/15 | 5/14 |
| June | 6/1 | 5/30 | 6/15 | 6/13 |
| July | 6/30 | 6/28 | 7/14 | 7/12 |
| August | 8/1 | 7/30 | 8/15 | 8/14 |
| September | 9/1 | 8/30 | 9/15 | 9/13 |
| October | 9/29 | 9/30 | 10/13 | 10/14 |
| November | 11/1 | 10/31 | 11/15 | 11/14 |
| December | 12/1 | 11/29 | 12/15 | 12/13 |
For more info, please visit their website.
Langley Federal Credit Union
“Early Payday Deposit” from LangleyFCU is a member benefit advertised as receiving direct deposited paychecks “up to 3 days earlier than other financial institutions.”
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.
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.
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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