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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.

Getting Started

  1. Sign in to your online banking account using a web browser.
  2. Select the Checking account you’d like to enroll in direct deposit from the account summary page and click Show Details. 
  3. Scroll down to Other and under Direct Deposit, select SET UP.
  4. 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 our Direct Deposit of Net Pay Enrollment Form for paychecks from organizations not related to military service, government agency employment or benefit pay.

Military Pay (MyPay)

Use MyPay if 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 the Standard Form 1199A for agency pay or GoDirect if you receive benefit payments from the Federal Government for:

  • Social Security
  • supplemental security income
  • VA benefit and insurance pay
  • civil service retirement
  • railroad retirement

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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