The next regular, active duty military payday is Thursday, 1 August 2013. Your deposit date and time will depend on the policies and practices of your bank, as well as other factors. In general, if your bank or credit union doesn’t offer early direct deposit as a benefit to its customers, then you should be paid sometime on Thursday. That’s 10 days from now.
The most common early deposit offering is one business day early. This includes USAA and Pacific Marine Credit Union (PMCU). Customers with those two institutions, as well others that offer deposits one business day early, will receive their deposits on Wednesday, 31 July 2013.
Navy Federal Credit Union (NFCU) offers two different options: Active Duty checking customers receive their deposits one business day early, all other checking account types receive their deposits on the actual payday. Navy Federal can be a little extra confusing, however, because of the way the payments are posted. The information is entered into your account the day prior, and it shows as pending. Overnight, all credits and debits get posted. Then, the actual deposit is available for use the morning of the day you are to receive your deposit. Confused? If you use an Active Duty checking account, your pay will show as pending on Tuesday, 30 July 2013, to be posted overnight and available for use on Wednesday, 31 July 2013. If you have any other account type, your pay will show as pending on Wednesday, 31 July 2013, to be deposited overnight and available for use on Thursday, 1 August 2013.
Service Credit Union offers early direct deposit “up to two business days” early, pending receipt of information from the Defense Finance and Accounting Service. However, they do not guarantee it. While you certainly can plan for a Tuesday, 30 July 2013 deposit, be safe and don’t spend that money until you are sure it is in your account.
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.