Military members may receive their pay early to cover daily living expenses such as food, health care, clothing, utility bills, and other expenses. According to USAA policy, individuals’ military pay will be credited up to two business days prior to the actual payday if they receive the necessary details from Defense Finance and Accounting (DFA) in a timely manner.
Usually military salaries fall on the 1st and 15th of the month. But if USAA’s direct deposit dates fall on weekends or public holidays, then the payment day may be moved to the previous business day.
USAA Direct Deposit Dates
As everyone in the military knows USAA paychecks usually fall on the 1st and 15th of each month, but it is important to know if the paycheck falls on weekends and holidays, then individuals will receive their pay early.
If an individual will have a bank account with USAA, then they will be able to receive their military pay up to two days earlier than usual. The full USAA 2025 direct deposit schedule is listed in the table below.
| Months | Active duty pay day | USAA Direct Deposit Dates |
| January | Wednesday, January 15, 2025 | Monday, January 13, 2025 |
| Friday, January 31, 2025 | Wednesday, January 29, 2025 | |
| February | Friday, February 14, 2025 | Wednesday, February 12, 2025 |
| Friday, February 28, 2025 | Wednesday, February 26, 2025 | |
| March | Friday, March 14, 2025 | Wednesday, March 12, 2025 |
| Tuesday, April 1, 2025 | Friday, March 28, 2025 | |
| April | Tuesday, April 15, 2025 | Friday, April 11, 2025 |
| Thursday, May 1, 2025 | Monday, April 29, 2025 | |
| May | Thursday, May 15, 2025 | Tuesday, May 13, 2025 |
| Friday, May 30, 2025 | Wednesday, May 28, 2025 | |
| June | Friday, June 13, 2025 | Wednesday, June 11, 2025 |
| Tuesday, July 1, 2025 | Friday, June 27, 2025 | |
| July | Tuesday, July 15, 2025 | Friday, July 11, 2025 |
| Friday, August 1, 2025 | Wednesday, July 30, 2025 | |
| August | Friday, August 15, 2025 | Wednesday, August 13, 2025 |
| Friday, August 29, 2025 | Wednesday, August 27, 2025 | |
| September | Monday, September 15, 2025 | Thursday, September 11, 2025 |
| Wednesday, October 1, 2025 | Monday, September 29, 2025 | |
| October | Wednesday, October 15, 2025 | Friday, October 10, 2025 |
| Friday, October 31, 2025 | Wednesday, October 29, 2025 | |
| November | Friday, November 14, 2025 | Wednesday, November 12, 2025 |
| Monday, December 1, 2025 | Wednesday, November 26, 2025 | |
| December | Monday, December 15, 2025 | Thursday, December 11, 2025 |
| Wednesday, December 31, 2025 | Monday, December 29, 2025 |
How can you receive it?
USAA will deposit individual military pay via direct deposit into their bank account or via paper check in the mail. Direct deposit is the fastest method of payment delivery.
Through this method, individuals will be able to receive their military pay up to two days earlier than the normal payment schedule. If an individual chooses direct deposit and has a valid bank account with USAA, then their military pay will be directly deposited into their bank prior to their scheduled paycheck.
How can USAA notify you of deposits?
USAA will notify military members about their salary in different ways. Individuals will receive military pay notification via email, mobile app alerts, or text messages (if available).
Remember to stay away from responding to any official notification received to be safe from scam. You are also advised to update your personal information such as your bank account and phone number so that your payment will be delivered on the expected USAA Direct Deposit dates.
What if I don’t receive my USAA Direct Deposit on time?
If you will not receive your military pay on time, then you must act on the following instructions.
- Check Your Payment Schedule: If you do not receive your USAA Direct Deposit payment on time in 2025, then you need to check your USAA Direct Deposit payment schedule.
- Contact USAA: In the event that you experience expected delays in collecting your USAA military payment, it is advised that you contact USAA Customer Service to investigate or to ensure that there are no processing delays.
- Be patient: If an individual will not receive their military pay on time, then they should be patient for at least four to five business days before contacting the officials.
How can you set up USAA Direct Deposit?
Steps to set up direct deposit with USAA, then you need to follow the instructions below.
- Visit the official USAA website at
- Log in to your USAA account by entering all the required details.
- On the menu options, find the deposit options and select the Direct Deposit Setup section from the drop-down menu.
- Enter all required information such as your bank name, bank account number, type and routing number.
- After reviewing your direct deposit setup, you will be able to monitor your first direct deposit date.
What will be the reason for the delay in military pay in USAA in 2025?
Usually military pay is deposited on time, unexpected delays can occur only in a few cases listed below.
- Government Shutdown: Unfortunately, your USAA payment may be delayed if Congress does not approve a budget or pass a temporary funding bill.
- Weekend or Holiday: Yes, sometimes you may face unexpected delays in getting your army due to weekend or public holiday. But keep in mind that these types of delays will be short-term, usually no more than a few days.
- Technical errors: If any processing errors occur in your banking or payment systems, this may cause delays.
- Invalid Account Information: If an error occurs in your bank account information that you provided to set up direct deposit, it can cause failed transactions and unexpected delays.
