To continue enjoying all the features of Navy Federal Online, please use a compatible browser. Confirm your browser capability.

Direct Deposit Is a Fast and Secure Way to Get Your Pay

Direct deposit is an automatic electronic deposit of your paycheck into your account. Not only will you have fast, secure access to your money, but you’ll also lower your risk of ID theft and mail fraud. And, you’ll have a suite of digital tools that make managing your money simple.

Set Up Now using Zelle

Zip Through a Lightning-Fast Setup and Get Fast Access

Setting up direct deposit with us is super secure and super fast—like less than 3 minutes fast. And, once you’re all set up, you have access to your money as soon as it’s sent. Plus, you’re eligible for some top-tier perks that could earn and save you more than $140 a year in qualifying rewards!Footnote [1]

Your Money—Maximized

Get a higher rate on a Special EasyStartSM CertificateFootnote [2] and ATM fee refunds of up to $120 a year on select checking accounts ($240 on Free Active Duty Checking®).Footnote [3]

Know exactly when your paycheck hits your account when you set up a secure notification. It only takes a few seconds.

Build up your savings before you’re tempted to spend it. Just split your direct deposit between your checking and savings accounts. Then choose how much goes into each.

Check your balance, pay bills or transfer money. It’s fast and easy to do with our mobile app* and online banking.

How to Set Up Direct Deposit in Minutes

(DESCRIPTION)

A narrator speaks the text as it appears on screen.

(SPEECH)

Digital Banking Made Easy

Setting up direct deposit for your paycheck shouldn't be a hassle.

Fortunately, we've made the process easy, secure and fast.

(DESCRIPTION)

A modern, simple icon of a bank card swings.

(SPEECH)

We're talking less than 3 minutes fast.

(DESCRIPTION)

The shape of a cell phone with a dollar sign inside grows next to the card. An orange check appears over the images.

(SPEECH)

Hi, I'm Sam from Navy Federal Credit Union.

(DESCRIPTION)

The icons of a calendar and a clock are added to the illustrations.

(SPEECH)

Here's how you can get started!

(DESCRIPTION)

An icon of the head and shoulders of a person with short hair and a jacket. An orange tag appears attached to their top pocket.

The web page and app screen of a Navy Federal account are shown side by side.

(SPEECH)

First, be sure to have your payroll login credentials ready.

Sign in to your Navy Federal account.

From the Accounts page, click the checking or savings account where you'd like your paycheck deposited.

(DESCRIPTION)

Both images change to screens with the title Every Day Checking.

(SPEECH)

Select Account Services.

Then, select Manage Direct Deposit.

(DESCRIPTION)

The web page and app change to checking Account Services, and then to Direct Deposit.

(SPEECH)

From the dropdown menu, select the checking or savings account where you'd like your paycheck deposited.

Select Find Employer.

(DESCRIPTION)

The find employer button is selected. Next, the terms of use box is checked and accepted.

(SPEECH)

Read and accept the Terms of Use.

Scroll to find your employer or click the Search box and type your employer's name.

(DESCRIPTION)

Company name is written into the search box on both screens.

(SPEECH)

If you can't find your employer from the list, click the back option and select the Manual Form which you can download and provide to your employer for setup.

(DESCRIPTION)

Manual form is highlighted under find employer on the manage your direct deposit page. A login and password are entered into the sign in to my Pay page. A subsequent page shows confirm pay distribution with entire paycheck marked. Other options include percentage and specific amount.

(SPEECH)

Sign in using your employer's payroll credentials.

Next, confirm your deposit amount.

Select Confirm.

Click Done, and that's it!

(DESCRIPTION)

A new page shows a screen with the text, your direct deposit request has been submitted. A button that says done displays underneath.

(SPEECH)

Typically, your paycheck will be deposited within 1-2 pay periods, but in most cases, it can happen as early as your next pay date.

Plus, did you know by setting up direct deposit with us, you'll gain access to ATM fee rebates on select checking accounts and a higher rate on a Special EasyStart Certificate?

(DESCRIPTION)

A Navy Federal mobile banking app interface displays. At the center, a large smartphone screen displays the app's home screen with the greeting, Good Morning. and options like bill pay and money transfers. Surrounding the phone are floating app screens, including account balances, payment options, a fast food purchase, and a Make Payment button.

(SPEECH)

Now, that's digital banking made easy!

(DESCRIPTION)

On-screen text. Navy Federal Credit Union. Army, Marine Corps, Navy, Air Force, Space Force, Coast Guard, Veterans. Our members are the mission. Get more info at Navy Federal dot Org slash direct deposit. Insured by N C U A. Message and data rates may apply. Terms and Conditions are available. N F C U copyright 2025. ATM Fee Rebate Disclosure: Up to $10 per statement period with Free Easy Checking, Flagship, and Free Campus Checking accounts; up to $20 per statement period with Free Active Duty Checking®. Direct deposit required in order to receive ATM fee rebates for Flagship Checking. Special EasyStart Disclosure: Limit one Special EasyStart Certificate per product type per member. Product types include Share, IRA (either Traditional, Roth or SEP), and E S A. The Special EasyStart Certificate has a $50 minimum balance and a $3,000 maximum contribution limit. Additional deposits are allowed at any time subject to the maximum contribution limit. Certificate owner(s) age 18 and older must have direct deposit and a Navy Federal checking account within 90 days of the certificate issue date. If these requirements have not been satisfied by the 90th day, your Special EasyStart Certificate dividend rate will be adjusted to the prevailing dividend rate of the 12-month EasyStart Certificate for the remainder of the certificate's term. At maturity, the Special EasyStart Certificate will automatically renew and any amount exceeding the $3,000 maximum contribution limit will be transferred to your Membership Savings Account unless instructed otherwise. You may qualify for direct deposit if you have (1) a recurring A C H from employer, military pay, or certain government agency pay or benefits in your name that is deposited into a Navy Federal deposit account where you are Primary or Secondary Owner; OR (2) Mobile deposits, ATM deposits, Branch deposits, payments from the FedNow® Payment network, the Real Time Payment network or third party services that facilitate payments to your debit card using the Navy Federal Credit Union Debit Card, totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (3) monthly Non-payroll A C H or payroll allotment totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (4) monthly Non-payroll A C H or payroll allotment totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Secondary Owner.

(SPEECH)

Message and data rates may apply.

Visit navyfederal.org for more information.
  1. Sign in to your account.
  2. From the Accounts page, select the account where you want your paycheck deposited.
  3. Select Account Services.
  4. Select Manage Direct Deposit.
  5. From the dropdown menu, confirm the account where you want your paycheck deposited.
  6. Select Find Employer.
  7. Read and accept the Terms of Use.
  8. Scroll to find your employer or click the Search box and type your employer’s name. If you can’t find your employer from the list, click the X option at the top left of the window and select the Manual Form, which you can download and provide to your employer for setup.
  9. Sign in using your employer’s payroll credentials.
  10. Confirm your deposit amount.
  11. Select Confirm.
  12. Click Done.

Frequently Asked Questions

  1. Sign in to our mobile app* or online banking.
  2. On the Account Summary page, select the checking account where you want your paycheck deposited and select Show More Details.
  3. Scroll down to the Other section, and next to Direct Deposit, select Manage.
  4. Once you select Find Employer, you can search your employer’s name in the search box.
  5. Then, just enter your payroll credentials and add your deposit amount.

Direct deposit allows your employer to transfer your paycheck directly into your account, so you can use your money as soon as it’s sent. It’s easy and convenient—and because there are no paper checks, it reduces the possibility of losing or damaging a paycheck, or having it stolen. Most employers use direct deposit and electronic pay stubs, so you’ll still have access to the same information you’d have on a paper check, like a record of salary, taxes and contributions.

Truv is the system we use to connect your payroll provider to your Navy Federal account. Once you find your employer from the list, you can quickly and easily set up or manage your direct deposit preferences.

You can select the Manual Form button on the direct deposit landing page and deliver the form to your employer or payroll provider in person or by email.

Most employers and payroll providers support the reset and recovery of payroll credentials. When available, this will be an option during the setup process. You can also select the Manual Form button on the direct deposit landing page and deliver the form to your employer or payroll provider in person or by email.

After a few quick steps, Truv immediately sends your requested direct deposit details to your payroll provider. These updates usually are processed in your next pay cycle. However, the time it takes to implement your changes will vary, depending on your payroll provider’s process. If you don’t see a deposit within 2 pay cycles, we suggest reaching out to your employer or payroll provider.

Yes. You’ll need to sign back in and use your payroll credentials to make an update to the deposit amount.

Switching where your direct deposit goes doesn’t automatically change your recurring or scheduled transactions at the financial institution where you originally set them up. If you want those payments to be made from your Navy Federal direct deposit account, you’ll need to reach out to those merchants or providers directly to give them your Navy Federal direct deposit account information instead.

We recommend keeping enough money in your old account to cover any scheduled payments until the switch is completed. This is especially important for any payments that might be due during the first 14 days after you begin the change.

  • You can then arrange for those recurring transactions to be paid from your Navy Federal account.
  • After that, you can configure those recurring transactions to be paid from your Navy Federal account.
  • Following this, you can set up those recurring transactions to be paid from your Navy Federal account.

Ready to get started? Thanks to our partner, Truv, the process couldn’t be easier.

Set Up Now

Not yet a member?
Check eligibility and apply now.

Checking Resources

View Morechecking resources

Disclosures

1

Dollar value shown represents the results of an internal calculation of annual enhanced value our members could receive in the form of incentives, fee rebates, and dividends by having direct deposit and all of the following activities: maximum balance in the Special EasyStartSM Certificate, average balance for dividend-earning checking account (Free Easy Checking), and $120 in ATM fee rebates per year in a qualified checking account. Dollar value is based on members receiving benefits from direct deposit only.

↵
2

Limit one Special EasyStartSM Certificate per product type per member. Product types include Share, IRA (either Traditional, Roth or SEP), and ESA. The Special EasyStart Certificate has a $50 minimum balance and a $3,000 maximum contribution limit. Additional deposits are allowed at any time subject to the maximum contribution limit. Certificate owner(s) age 18 and older must have direct deposit and a Navy Federal checking account within 90 days of the certificate issue date. If these requirements have not been satisfied by the 90th day, your Special EasyStart Certificate dividend rate will be adjusted to the prevailing dividend rate of the 12-month EasyStart Certificate for the remainder of the certificate's term. At maturity, the Special EasyStart Certificate will automatically renew and any amount exceeding the $3,000 maximum contribution limit will be transferred to your Membership Savings Account unless instructed otherwise.

You may qualify for direct deposit if you have (1) a recurring ACH from employer, military pay, or certain government agency pay or benefits in your name that is deposited into a Navy Federal deposit account where you are Primary or Secondary Owner; OR (2) Mobile deposits, ATM deposits, or Branch deposits, payments from the FedNow® Payment network, the Real Time Payment network, or third-party services that facilitate payments to your debit card using the Navy Federal Credit Union Debit Card, totaling at least $500 and recurring for at least 3 out of 4 consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (3) monthly Non-payroll ACH or payroll allotment totaling at least $500 and recurring for at least 3 out of 4 consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (4) monthly Non-payroll ACH or payroll allotment totaling at least $500 and recurring for at least 3 out of 4 consecutive months that are deposited into Navy Federal deposit accounts where you are Secondary Owner.

↵
3

Up to $10 per statement period with Free Easy Checking, Flagship, and Free Campus Checking accounts; up to $20 per statement period with Free Active Duty Checking®.  Direct deposit required in order to receive ATM fee rebates for Flagship Checking.

↵