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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 funds—you’ll also lower your risk of ID theft and mail fraud. And, you’ll have a suite of digital tools that simplify managing your money.
Easy Money Management
- Want to know when your deposit hits your account? Set up a secure notification in seconds.
- Want to start building up your savings before you’re tempted to spend it?No problem. Just split your direct deposit between your checking and a savings account. You’ll be able to choose how much goes into each.
- Need to check your balance, pay bills or transfer money? It’s a breeze to do with our mobile app* and online banking.
Set Up Now
Not yet a member? Check eligibility and apply now.
Unlock Powerful Perks. Do More With Your Money.
When you have direct deposit with Navy Federal, you open the door to even more ways toearnandsave.
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Higher Dividends
Earn more on your money witha special rate on a Special EasyStart℠Certificate.
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Higher Cash-Back Rate
Get 1.75% cash back1on all your purchases with a cashRewards credit card. (That’s .25% more than you’d earn without direct deposit.)
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Money Back
Get back up to $120 a year in ATM fee rebates on checking accounts that offer them (up to $240 a year with Free Active Duty Checking®).
Getting Started
How Can I Set Up Direct Deposit?
- Sign in to your online banking account using a web browser.
- Select theChecking accountyou’d like to enroll in direct deposit from the account summary page and clickShow Details.
- Scroll down toOtherand underDirect Deposit,selectSET UP.
- Complete the direct deposit form and follow the prompts.
You may be required to fill out a specific form or provide a voided check. All employers will need:
- Navy Federal Credit Union’s routing number: 256074974
- your account number: available in our mobile app* or online banking
Visiting our site from a desktop device?You can find the Navy Federal routing number in the top right corner of our website. To find your account number(s), sign in and select the account(s) where you’ll be depositing your paycheck. Your account number will be to the right of the account name.Click the circle icon to expand and show the whole number.
Directions by Employer Types
Your setup steps will depend on your employer type (see below). Choose the one that most closely describes your organization.
Standard Pay
Use ourDirect Deposit of Net Pay Enrollment Formfor paychecks from organizations not related to military service, government agency employment or benefit pay.
Military Pay (MyPay)
UseMyPayif your paychecks are for:
- Active Duty military service pay
- reserve military service pay
- military retirement pay
- employment with the Department of Defense (DoD)
- civilian employment with the Defense Finance and Accounting Services (DFAS)
Government Agency Pay & Benefits
Use theStandard Form 1199Afor agency pay orGoDirectif you receive benefit payments from the Federal Government for:
- Social Security
- supplemental security income
- VA benefit and insurance pay
- civil service retirement
- railroad retirement
How Does Direct Deposit Work?
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.
Checking Resources
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Checking Protection Options
Protect your checking account from overdrafts and denied transactions.
Learn Moreabout Checking Protection Options
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Navy Federal Debit Card
Accepted at millions of locations worldwide. Secure and convenient. Activate your debit card today.
Learn Moreabout Navy Federal Debit Card
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Switch to Paperless Statements
Reduce waste while increasing your account security. Make the switch to paperless statements.
Learn Moreabout Switch to Paperless Statements
View Morechecking resources
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cashRewards credit cards earn 1.75% cash back on net purchases for cardholders with direct deposit at Navy Federal, or 1.5% cash back for cardholders without direct deposit. Rewards are earned on eligible net purchases. "Net purchases" means the sum of your eligible purchase transactions minus returns and refunds. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: cash advances, convenience checks, balance transfers, gambling, or fees of any kind, including finance charges, late fees, returned check fees, and ATM cash advance fees. Cash-equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards (e.g., money orders, GO Prepaid Cards, and other cash-equivalent gift cards), may not be eligible purchase transactions and may not earn rewards. To be eligible to receive 1.75% cash back on net purchases with your cashRewards card, you must either currently have direct deposit at Navy Federal or must set up and maintain direct deposit at Navy Federal. Direct deposit is defined as a recurring ACH from your employer, military pay, or certain government agency pay or benefits deposited into your Navy Federal deposit account. You will start earning 1.75% cash back once we confirm you have direct deposit at Navy Federal.
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Free Easy Checking Only: 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, (2) (OR) Mobile deposits, ATM deposits, or Branch deposits 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, (3) (OR) monthly Non-payroll ACH 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, (4) (OR) monthly Non-payroll ACH 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.
