30 January 2015 Military Pay

Friday paydays are great, because they are less confusing than some other days.  The next regular, active duty military payday is Friday, 30 January 2015.  Some service members will have their pay deposited earlier, depending on the policies and practices of their bank or credit union.

One Business Day Early

Some banks and credit unions offer early direct deposit as a benefit for their military customers, and the most common way is to deposit military pay one business day prior to the actual military payday.  USAA and  Pacific Marine Credit Union (PMCU) and some other institutions all offer this service.  The business day prior to this payday is Thursday, 29 January 2015, and that is when USAA, PMCU, and other “one day early” customers should expect to see their pay.

Navy Federal Credit Union

In order to know when to expect your pay in your Navy Federal Credit Union account, you need to know what type of checking account you have selected to use for your direct deposit.  Only Active Duty checking accounts offer early direct deposit, all other checking account types have their pay deposited on the regular pay day.  Just because you are on active duty does not mean that you have an Active Duty checking account.  You may have chosen something else when you were setting up your account.

Members using an Active Duty checking account may see their pay “pending” on Wednesday, 28 January 2015, and it will post overnight to be available for use on  Thursday, 29 January 2015.

Members using any other type of checking account may see their pay “pending” on Thursday, 29 January 2015, and it will post overnight to be available for use on  Friday, 30 January 2015.

Service Credit Union

Service Credit Union offers direct deposit two business days prior to the regular military payday.  has changed the way they phrase their early direct deposit policies.  For the next payday, Service Credit Union members should expect to have their active duty military pay available on Wednesday, 28 January 2015.  Note that this is not guaranteed!

Pay deposits can occur at any time.  Just because it came at a certain time last time, or the time before, doesn’t mean that it will always come at that time.

If your pay never turns up, you can use these steps to track down the source of the problem.

Understanding the pay system helps keep your stress level low.  If something confuses you, let me know and I’ll try to answer your questions.


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.
  • Travis

    I did not get paid today (USCG member with USAA). Anyone else experience the same?

    • Ali

      Same here. We did just move to the new pay system so that might be affecting it. Will most likely show up tomorrow, hopefully! If not, a lot of people will be affected.

    • Alex

      USCG member here as well and did not get paid either. I called USAA they said they haven’t received the paycheck yet.

    • Eve

      It looks like others are having the same issue and have posted on USAA about it. Apparently, Direct Access has changed the pay system… Everything is being thrown off because of the new change. I wish I knew about this a couple of weeks ago.

  • Chris

    Yes, same here, nothing in my USAA account yet.

  • Monique

    1/30/15 still no paycheck here. We have USAA

  • eve

    USCG nothing with USAA

  • Karissa

    Nothing from USAA and I’m also a Coast Guard member.

  • Bev

    Nothing from USAA here, retired Army vet. Was surprised every other bank affiliated with posting one day early did get paid today.

  • Ali

    USAA posted deposit on 01/30/2015

  • Regina

    I don’t have USAA or a military bank and we didn’t get paid either…. -Coast Guard

  • Regina

    OKAY EVERYBODY! Mine just came through. Looks like it just came late! WHEW!!!

  • Michael

    I haven’t received my pay yet either!! USAA also here!