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Armed Forces Bank allows service members to receive their military pay deposits up to one business day before the official payday.
This early deposit feature can help with financial planning and cash flow management for military members and their families.
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Armed Forces Bank Early Pay Deposit Schedule for 2025
Official military paydays fall on the 1st and 15th of each month.
When these dates fall on weekends or federal holidays, the payday is moved to the preceding business day.
But, Armed Forces Bank’s policy is to credit military pay up to one business day prior to the actual payday, provided they receive the necessary information from the Defense Finance and Accounting Service (DFAS) in time.
2025 Armed Forces Bank Military Pay Schedule
Below is a detailed list of the official 2025 military pay dates, along with the corresponding Armed Forces Bank early deposit dates for military members.
| Military Pay Periods | Official Military Pay Dates | Armed Forces Bank Early Pay Dates |
|---|---|---|
| January Mid-Month | Jan 15, 2025 | Jan 14, 2025 |
| January End-of-Month | Jan 31, 2025 | Jan 30, 2025 |
| February Mid-Month | Feb 14, 2025 | Feb 13, 2025 |
| February End-of-Month | Feb 28, 2025 | Feb 27, 2025 |
| March Mid-Month | Mar 14, 2025 | Mar 13, 2025 |
| March End-of-Month | Apr 1, 2025 | Mar 29, 2025 |
| April Mid-Month | Apr 15, 2025 | Apr 12, 2025 |
| April End-of-Month | May 1, 2025 | Apr 30, 2025 |
| May Mid-Month | May 15, 2025 | May 14, 2025 |
| May End-of-Month | May 30, 2025 | May 29, 2025 |
| June Mid-Month | Jun 13, 2025 | Jun 12, 2025 |
| June End-of-Month | Jul 1, 2025 | Jun 28, 2025 |
| July Mid-Month | Jul 15, 2025 | Jul 12, 2025 |
| July End-of-Month | Aug 1, 2025 | Jul 31, 2025 |
| August Mid-Month | Aug 15, 2025 | Aug 14, 2025 |
| August End-of-Month | Aug 29, 2025 | Aug 28, 2025 |
| September Mid-Month | Sep 15, 2025 | Sep 12, 2025 |
| September End-of-Month | Oct 1, 2025 | Sep 30, 2025 |
| October Mid-Month | Oct 15, 2025 | Oct 11, 2025 |
| October End-of-Month | Oct 31, 2025 | Oct 30, 2025 |
| November Mid-Month | Nov 14, 2025 | Nov 13, 2025 |
| November End-of-Month | Dec 1, 2025 | Nov 27, 2025 |
| December Mid-Month | Dec 15, 2025 | Dec 12, 2025 |
| December End-of-Month | Dec 31, 2025 | Dec 30, 2025 |
Note: Armed Forces Bank credits military pay deposits up to one business day early. Actual deposit dates may vary depending on processing times and holidays.
Official 2025 Armed Forces Bank Military Pay Calendar (Download or Print)
Click the link or button below to download or print our official 2025 Armed Forces Bank Military Pay Dates Calendar PDF:
Armed Forces Bank Military Pay Dates 2025: Frequently Asked Questions (FAQ)
1. What is the Armed Forces Bank Military Pay Deposit Time?
Armed Forces Bank usually makes military pay deposits available early in the morning, typically between 4:00 AM and 8:00 AM central time.
However, exact deposit times may vary based on processing schedules.
2. Does Armed Forces Bank Offer Early Direct Deposit for Military Members?
Yes, Armed Forces Bank provides early direct deposit for military members with any checking or savings account enrolled in direct deposit.
This benefit allows access to funds one business day before the official military payday.
3. How Does Armed Forces Bank Compare to Navy Federal and USAA for Early Military Pay Deposits?
Armed Forces Bank provides early direct deposit for military members with any checking or savings account enrolled in direct deposit, offering access to funds one business day early.
Similarily, Navy Federal offers early direct deposit for military members with a Free Active Duty Checking™ account, providing access to funds one business day early.
USAA credits military pay deposits two business days early, depending on the payroll schedule and processing times.
4. Does Armed Forces Bank Credit Deposits Early Over Holiday Weekends?
Armed Forces Bank ensures that if the regular military payday falls on a weekend or holiday, members with qualifying accounts receive their pay one business day early.
For example, if payday is Monday, funds may be available on the preceding Saturday.
5. Can Military Pay Deposits Be Delayed at Armed Forces Bank?
While Armed Forces Bank strives for timely deposits, delays can occur due to:
- Government Shutdowns – Pay may be delayed if Congress does not pass a budget.
- Debt Ceiling Issues – Financial disruptions related to federal borrowing limits can impact the timing of pay deposits.
- Technical Errors – Occasional processing issues within banking or payroll systems.
- Incorrect Account Information – Errors in the bank account details provided for direct deposit can result in failed transactions and subsequent delays.
- Not Enrolled in Direct Deposit – Military members must be enrolled in automatic direct deposit to receive their pay early.
6. What Happens If My Military Deposit Is Late?
If your Armed Forces Bank military pay deposit does not arrive as expected:
- Verify DFAS Schedule – Confirm the official pay date on the DFAS military pay schedule.
- Check Armed Forces Bank Alerts – Review notifications or updates regarding deposit processing.
- Contact Armed Forces Bank – Reach out to customer service for assistance.
7. How Can I Set Up Direct Deposit with Armed Forces Bank?
If you don’t have a checking or savings account yet or you need to set up direct deposit, here’s how to take care of both:
- To open an account, look at your options for checking or savings and apply online. Applying online typically takes 10 minutes or less.
- To set up direct deposit, contact your servicing payroll office or log into your MyPay account and enter your checking or savings account details and routing number (101108319).
8. Does Armed Forces Bank Notify Members About Deposits?
Yes, Armed Forces Bank offers account alerts.
Here’s a short video to learn how to set-up account alerts with Armed Forces Bank.
9. What Are the Benefits of Using Armed Forces Bank for Military Pay?
Armed Forces Bank offers several benefits tailored to military personnel:
- Early Pay Deposits: Access your military pay one business day before the official pay date through their Military Early Pay service.
- No Monthly Fees: Their Access Freedom Checking account has no monthly service charges, providing a cost-effective banking solution.
- Extensive ATM Network: Enjoy fee-free access to over 38,000 ATMs within the MoneyPass® Network, ensuring convenient cash withdrawals nationwide.
- No Minimum Balance Requirement: The Access Freedom Checking account does not require a minimum balance, offering flexibility in managing your funds.
- Mobile Banking: Manage your finances on the go with Armed Forces Bank’s mobile app, providing convenient access to your accounts anytime, anywhere.
- Military-Focused Services: Benefit from financial services and resources specifically designed for military families, including VA home loans, credit-building programs, and personal loans.
About the Author
Brian Reese
Brian Reese is a world-renowned VA disability benefits expert and the #1 bestselling author of VA Claim Secrets and You Deserve It. Motivated by his own frustration with the VA claim process, Brian founded VA Claims Insider to help disabled veterans secure their VA disability compensation faster, regardless of their past struggles with the VA. Since 2013, he has positively impacted the lives of over 10 million military, veterans, and their families.
A former active-duty Air Force officer, Brian has extensive experience leading diverse teams in challenging international environments, including a combat tour in Afghanistan in 2011 supporting Operation ENDURING FREEDOM.
Brian is a Distinguished Graduate of Management from the United States Air Force Academy and earned his MBA from Oklahoma State University’s Spears School of Business, where he was a National Honor Scholar, ranking in the top 1% of his class.
