2021 Navy Federal Military Pay Deposit Dates. What many people are not aware of is the fact that if they have an account with Navy Federal Credit Union. Applicant must establish and maintain a Navy Federal checking account with direct deposit of pay within 90 days of the loan date and throughout the term of the loan. If not maintained, the interest rate on the loan will revert to the prevailing personal loan rate. Through Direct Deposit, you can also elect to have your federal income tax refund automatically deposited to the account of your choice or divided among as many as three Navy Federal accounts.

Looking for information on the upcoming paycheck? Find details at When Is The Next Military Payday?

Navy Federal Credit Union (NFCU) is a very popular bank for military service members. NFCU has several types of checking accounts, and their Active Duty Checking account offers a variety of benefits including free checks, ATM rebates, and early crediting of military pay.

It is important to note that folks who use any other type of NFCU checking account do not have their military pay funds credited early. This includes eChecking, Campus Checking, EveryDay Checking, and Flagship Checking. Folks who use these accounts will get paid on the regular military payday.

For customers with an Active Duty Checking account, NFCU offers to credit military pay one business day prior to the actual military payday.

However, it is important to note that due to NFCU’s overnight crediting procedures, you can’t get a deposit on Monday morning. Therefore, if the regular military payday is on Tuesday, NFCU members with Active Duty Checking will have their pay posted overnight on the preceding Friday and available for use on the preceding Saturday. You’ll see this reflected in the calendars below.

The 2021 NFCU Active Duty Checking Pay Calendars

I have created three different versions. One is a list, one is a calendar in black and white, and one is a color calendar. For each option, you can either:

• Click on the image to make it larger, then save it to your computer, and print it.
• Save the PDF copy and print it.
• Save the word copy and print it.

Because of the way weekends and holidays work, every year has a couple of very long pay periods in it. They’re a lot easier to manage if you are prepared for them. If you get paid one business day early with NFCU, here are your long pay periods for 2021 :

March end-of-month pay period: Friday, 12 March to Wednesday, 31 March – 19 days

June end-of-month pay period: Saturday, 12 June to Wednesday, 30 June – 18 days

August end-of-month pay period: Thursday, 12 August to Tuesday, 31 August – 19 days

November end-of-month pay period: Thursday, 11 November to Tuesday, 30 November – 19 days

As always, please let me know if you have technical difficulties or think you spot an error. No matter how many times they are proof-read, something always gets through!

The Black and White Printable Version of the 2021 NFCU Pay Deposit Calendar

Here is the link to the PDF: 2021 Navy Federal Black and White Pay Calendar

Here is the link to the Microsoft Word document: 2021 Navy Federal Black and White Pay Calendar

The List Printable Version of the 2021 NFCU Pay Deposit Calendar

Here is the link to the PDF: 2021 Navy Federal Pay Deposit Dates

Here is the link to the Microsoft Word document: 2021 Navy Federal Pay Deposit Dates

The Color Printable Version of the 2021 NFCU Active Duty Checking Pay Deposit Calendar

Here is the link to the PDF: 2021 Navy Federal Color Pay

Here is the link to the Microsoft Word document: 2021 Navy Federal Color Pay Calendar

I hope y’all find these helpful!

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!

Many military friendly banks and credit unions offer early military pay direct deposit by as much as three days. Here are the banks and their early pay calendars for active duty and retired military pay.

Early Military Deposit Pay Calendars

Armed Forces Bank Early Pay Dates

Early Pay is a free, automatic direct deposit service we offer to military service members. Whether active or retired, all service members can have access to their Defense Finance and Accounting Services (DFAS) direct deposits one business day before the set pay date.

Navy Federal Credit Union Early Pay Dates

If you use Navy Federal Credit Union (NFCU) for your military pay deposit, when you see your pay depends on what type of checking account you use. NFCU has five kinds of checking accounts: Everyday Checking, Active Duty Checking, Campus Checking, e-Checking, and Flagship Checking. Only the Active Duty Checking account offers early crediting of military pay deposits.

Navy Federal Credit Union (NFCU) provides early direct deposit for only those members using an Active Duty Checking account, so there are two different pay deposit days for NFCU.

FrontWave Credit Union Advanced Pay & Military Days

FrontWave Credit Union (formerly Pacific Marine Credit Union (PMCU)) credits military pay deposits two business days prior to the actual military payday.

Security Service Federal Credit Union

With free expedited direct deposit service, all military service members, whether active or retired, will have access to their military Leave and Earnings Statement (LES) direct deposits as soon as Security Service Federal Credit Union receives notice from the Defense Finance and Accounting Services (DFAS), 1-3 days before their set posting date.

Service Credit Union

Service Credit Union credits military pay deposits two business days prior to the actual military payday. It has 14 branches on U.S. military bases in Germany and has many customers who enjoy having a local branch bank at their overseas location.

“Immediate credit of your direct deposit to your Service Credit Union checking account up to two (2) days early is based upon when we receive your payroll from your employer. Service Credit Union cannot assume any liability for not depositing these funds to your account early.”

USAA Early Pay Dates

Navy Federal Direct Deposit On Holidays

USAA offers crediting of direct deposit pay one business day before the actual payday. USAA pay deposits may credit at any time during the day. While they often credit in the early morning, that is not always true.USAA credits military pay one business day prior to the actual payday, contingent upon the receipt of deposit information from the appropriate pay agency.

Additional Banks with Early Pay Deposits

• AmericCU
• Andrews FCU
• Broadway Bank
• First Citizens Banks
• Fort Hood National Bank
• Kinetic Credit Union
• Langley FCU
• Point Breeze Credit Union

This is a partial list. Many more banks and credit unions offer early pay so if you don’t see your bank on this list be sure to inquire. Access to these banks is typically applicable to all branches of the military, including the Air Force, Air Force Reserves, Air National Guard, Army, Army National Guard, Army Reserves, Marine Corps, Marine Corps Reserves, Navy, Navy Reserves, Coast Guard, Coast Guard Reserves, Space Force, and the Public Health Service.

Another Big Reason to Bank at Military Friendly Banks

Government shutdowns can impact payments to active duty, Guard, Reserve and military retirees. Military friendly banks will often offer a no-interest, 0% Annual Percentage Rate (APR) payroll advance to military personnel with existing direct deposits. Banks can provide a onetime payroll advance loan to cover pay or benefits to the following groups, as long as those payments are direct deposited at the bank. This is at the discretion of each bank but historically many of the banks on this list have provided this benefit during a shutdown.

Finding the Best Bank for You

Many service members choose USAA, Navy Federal or PenFed (no early pay deposit offer) as the best choice for military banking. However, which bank to choose will often depend on your individual situation. Many service members end up opening accounts at one or more bank in order to take advantage of different benefits. For example, you might find that you prefer to keep your checking account at USAA for the early pay benefit, but apply for a car loan at PenFed or a home loan at Navy FCU.

Navy Federal Direct Deposit Late

Additional Advantages of Military Banks

• Low interest rates
• Reduced or waived fees
• No fee for counter checks, money orders, wire transfers, gift cards, foreign transactions or cashier’s checks
• Free safety deposit boxes
• No ATM Fees
• Special VA home loan and SBA loan options
• Savings on closing costs
• No monthly fees are charged on checking accounts
• Considerably higher percentage yields on savings accounts
• Free financial training programs
• Dedicated military customer service

Navy Federal Direct Deposit Form Pdf

When Will I Receive My Military Paycheck?

Military paychecks will normally be available on your payday. However, deposits may be available a day to three days earlier, depending on the financial institution. Since early pay varies by bank this most likely explains why it appears some people are getting paid earlier than others.

Plan ahead

While getting paid early can be great, it can also result in a long period of time until the next payday.

Navy Federal Direct Deposit Dates