15 July 2013 Military Pay

Monday paydays are complicated, because so many banks and credit unions offer early direct deposit as a benefit for their customers.  The next regular, active duty military payday is Monday, 15 July 2013, but the day that you have your pay deposited will depend on your bank and your account.

While quite a few military oriented banks and credit unions offer early direct deposit, not all do.  Therefore, some service members will be paid as early as Wednesday and others will not be paid until the actual payday on Monday, 15 July 2013.  Keep in mind that even if your financial institution often pays early, they may not guarantee it.  Don’t get into trouble by assuming that your deposit will be there before Monday.

Most banks that offer military pay deposits “one business day early” will post deposits on Friday, 12 July  2013.  This includes USAA and Pacific Marine Credit Union (PMCU).

Service Credit Union offers direct deposit of military pay “up to two business days early,” pending the receipt of information from the Defense Finance and Accounting Service (DFAS).  Service Credit Union does not guarantee that their deposits will be made early.  It is true that last few Monday paydays have seen Service Credit Union making deposits on the preceding Thursday.  Again, though, don’t make big financial decisions based on the certainty of being paid on Thursday.

Navy Federal Credit Union is a bit tricky.  Not only do they have two different deposit dates, based upon your account type, but they also post deposits overnight.  If you bank with NFCU, your pay deposit date depends on the type of checking account you use for your direct deposit.  Customers who use an Active Duty checking account for their direct deposit will see their pay pending on Thursday, 11 July 2013, to be posted overnight and available for use on Friday, 12 July 2013.  Customers who use any other type of checking account for their direct deposit will see their pay pending on Friday, 12 July 2013, to be posted overnight and available for use on Saturday, 13 July 2013.

Have questions about the pay time?  Pay can be posted at any time during the day.   See What Time Will I Get Paid?  for more information.

Think perhaps your pay has gone missing?  See Why Hasn’t My Pay Been Deposited? for more information.

Future Planning Note:  1 August is on a Thursday, if you are paid early for Monday paydays, the second half of July will be a long pay period for you.  Don’t get caught without a plan.

About the Author

Kate Horrell
Kate Horrell is a military financial coach, mom of four teens, and Navy spouse. She has a background in taxes and mortgage banking, and a trove of experience helping other military families with their money. Follow her on twitter @realKateHorrell.
  • Rachel

    I know this doesnt really have anything to do with your post but I cant figure out how to just ask you a question… So I figured I’ll try it this way. Not sure if you can help me or not but worth a try! So heres the thing, My boyfriend is in the army he’s an E4 and we are 5 months pregnant now and we are planning to get married, eventually but we dont want to just jump into it like a bunch of crazy people do we want to plan a real wedding and enjoy our day… So my question is what benefits will our baby girl get? Will she be covered on TRICARE? and does he get full or only partial BAH? Noone can seem to give us a straight answer so I figured I’ll try to figure it out. We will be living together (off post obviously) but I wanted to know if he will get dependant BAH and how much that may be roughly?

    • KateKashman

      If you choose not get married before the baby is born, things will be complicated. Your boyfriend will have to do a paternity test in order to enroll the child in the Defense Enrollment and Eligibility Reporting System (DEERS). Once she is enrolled in DEERS, she will be eligible for Tricare medical coverage. He will need to go to the Tricare office to enroll her in Tricare after she is entered in DEERS. The BAH situation will depend a variety of factors, including the BAH rules for single E4s in his command. If he is given written permission from his command and from housing to live off base, he will be eligible for BAH at the without dependents rate. If he is not given permission to live off base, and he is assigned single government quarters (whether he actually lives there or not), he will be eligible for BAH-DIFF if you have a custody agreement and child support arrangement, and he is paying child support in at least the amount of the BAH-DIFF. BAH-DIFF rates can be found here: http://www.defensetravel.dod.mil/Docs/perdiem/bro… Once you marry, he will be eligible for BAH at the with dependents rate.

      • Ray

        Must be a fellow 42

    • Jade

      You don’t want to jump into a wedding because you’re concerned it won’t be fun experience, but you jumped into having a child you weren’t even sure would have medical coverage. Wow. I wish the best for that baby.

      • Dagr

        Yeah really….a little “growing up” might be in order…she’s more worried about having a “real wedding and enjoy our day”. WOW.

      • ginz73

        Ya can’t fix stupid!

  • Megan
  • Jeremy K

    This situation happened to me and my wife. We got pregnant before marriage and I can’t imagine how things might have worked out if we had not. BAH is a really big issue and I highly recommend getting married on paper and then having a ceremony later. We opted to have one while my wife was pregnant but that might not be your thing. The best way to take of your family if marriage is in the future is to get the piece of paper from the courthouse and take it to PSD the $20,000 savings in hospital charges alone should spur you into it. If you want to be married, why wait?

    • Michelle E.

      I second what Jeremy said. Don’t wait. Waiting is a fantasy. Get married in a courthouse and have a wedding ceremony later. It’s worth it.

  • Don’t get into trouble by assuming that your deposit will be there before Monday