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Financial Institutions Offering Early Direct Deposits for Military

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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

Military Pay Dates

Pay Period Mid-month Pay Day LES*
End-of-Month Pay Day LES*
January Jan. 13 Jan. 6 Feb. 1 Jan. 25
February Feb. 15 Feb. 8 Mar. 1 Feb. 22
March Mar. 15 Mar. 8 Mar. 31 Mar. 24
April Apr. 14 Apr. 7 May 1 Apr. 24
May May 15 May 8 June 1 May 25
June June 15 June 8 June 30 June 23
July July 14 July 7 Aug 1 July 25
August Aug. 15 Aug. 8 Sept. 1 Aug. 25
September Sept. 15 Sept. 8 Sept. 29 Sept. 22
October Oct. 13 Oct. 6 Nov. 1 Oct. 25
November Nov. 15 Nov. 8 Dec. 1 Nov. 24
December Dec. 15 Dec. 8 Dec. 29 Dec. 22

* 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.

List of Banks or Financial Institutions with Early Deposit Dates for Military Pay

Though this is by no means a comprehensive list, it does hit on the most common military-friendly banks that offer early direct deposits (outside of USAA and NFCU). We are not endorsing these banks, simply providing information about their early depositing habits. If you don’t see your bank here, don’t be afraid to inquire if this is a service provided that just isn’t widely broadcasted.

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” which 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; there are no other qualifying companies.

Armed Forces Bank Pay Dates

Pay Period First-of-Month Pay Day Pay Available Mid-Month Pay Day Pay Available
January 1/1 12/30 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 3/30 4/14 4/13
May 5/1 4/28 5/15 5/12
June 6/1 5/31 6/15 6/14
July 6/30 6/29 7/14 7/13
August 8/1 7/31 8/15 8/14
September 9/1 8/31 9/15 9/14
October 9/29 9/28 10/13 10/12
November 11/1 10/31 11/15 11/14
December 12/1 11/30 12/15 12/14

For more info, please visit their website.

Frontwave Credit Union

Frontwave Credit Union (formerly known as Pacific Marine Credit Union) calls its early pay program “Advance Pay.” They provide DFAS funds to military members two days before the actual payday.

For more info, please visit their website.

Langley Federal Credit Union

“Early Payday Deposit” from LangleyFCU is a member benefit advertised as the ability to receive direct deposited paychecks “up to 3 days earlier than other financial institutions.”

For more info, please visit their website.


Navy Federal Credit Union Early Deposit Dates for Military Pay

Security Service Federal Credit Union – SSFCU

As the SSFCU website boasts “Your Money, No Wait.” They offer a free, expedited direct deposit service for active or retired military pay, which gets you access to pay anywhere from 1-3 days prior to payday. As soon as SSFCU receives information from DFAS, they immediately post it to their client’s accounts.

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 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:


You may wonder why major national banks are missing from this list. One internet source reported that in their research, the following banks responded to inquiries about early pay programs as a benefit they do not offer. They stated that no funds are deposited prior to the date specifically indicated by an employer, in this case, DFAS:

  • Bank of America
  • BB&T
  • BECU
  • Capital One
  • Central Bank (including MetaBank)
  • Chase
  • Citibank
  • Citizens Bank
  • KeyBank
  • Pentagon Federal Credit Union (PenFed)
  • PNC
  • Regions
  • SunTrust Bank
  • TD Bank
  • S. Bank
  • Wells Fargo

For a complete Pay Rate chart for Officers, Warrants, and Enlisted, visit DFAS