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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 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.

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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.

Getting Started

  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.

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

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Checking Resources

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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 EasyStart 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.

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2

Limit one Special EasyStart Certificate per member. 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 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 ACH 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 ACH 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.

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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.

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