USAA Pay Dates 2023: Everything You Need to Know

USAA offers financial services including banking, insurance, investment, and retirement products for U.S. military members, veterans, and their families.

Members may receive their pay up to a day earlier than the regular pay date, contingent on employer and account type.

USAA Payroll Calendar

The USAA payroll calendar is a tool that helps you plan your budget and manage your finances by showing you when your paychecks will be deposited into your USAA account.

The calendar is based on the federal government’s pay schedule, which is usually the first and the fifteenth of each month, or the next business day if those dates fall on a weekend or a holiday.

However, USAA members can receive their pay up to a day earlier than the federal pay date, as long as their employer submits the payroll information to USAA in advance.

You can find the USAA payroll calendar for 2023 on the USAA website or on the USAA mobile app.

USAA Pay Schedule

The USAA pay schedule is the frequency and the amount of your paychecks, which may vary depending on your employer, your job, and your contract.

For example, some employees may be paid weekly, biweekly, monthly, or semi-monthly, while others may be paid based on the number of hours worked, the number of projects completed, or the performance achieved.

The USAA pay schedule also determines when your paychecks will be deposited into your USAA account, which may be different from the federal pay date.

For example, if you are paid weekly, you may receive your pay every Thursday instead of every Friday. To find out your USAA pay schedule, you can check your pay stubs, contact your employer, or call USAA customer service at 1-800-531-8722.

USAA Pay Frequency

SAA Pay Frequency Explained: Frequency indicates how often you receive paychecks, linked to the USAA pay schedule.

Example: Weekly pay results in a USAA pay frequency of 52 times/year; biweekly is 26 times/year.

Impact of USAA Pay Frequency: Influences annual earnings, tax withholdings, and contributions to retirement accounts.

Calculation Tool:Use the USAA pay frequency calculator on the website or mobile app for accurate results.

USAA Pay Dates for Federal Employees

Federal employees are those who work for the federal government, such as the military, the civil service, the postal service, and the judiciary.

The employees are usually paid on the first and the fifteenth of each month, or the next business day if those dates fall on a weekend or a holiday.

However, USAA members who are federal employees can receive their pay up to a day earlier than the federal pay date, as long as their employer submits the payroll information to USAA in advance.

For example, if the federal pay date is on Monday, January 15, 2023, USAA members who are federal employees may receive their pay on Friday, January 12, 2023.

You can find the USAA pay dates for federal employees for 2023 on the USAA payroll calendar or on the USAA mobile app.

USAA Pay Dates for Military Retirees

Military retirees are those who have served in the U.S. military for at least 20 years and have retired from active duty or the reserves.

They are eligible for a monthly pension, which is based on their rank, years of service, and retirement plan.

Military retirees usually receive pay on the first of each month or the following business day.

USAA members who are military retirees may get their pension a day earlier if information is submitted early.

For instance, if payday is Monday, January 1, 2023, military retirees may receive pension on Friday, December 29, 2022.

Check USAA pay dates for military retirees in 2023 on the payroll calendar or mobile app.

USAA Pay Dates for Civilian Employees

Civilian employees are those who work for private companies, non-profit organizations, or state and local governments.

Civilian employees are paid according to their employer’s pay schedule, which may be weekly, biweekly, monthly, or semi-monthly.

These employees may also receive bonuses, commissions, tips, or overtime pay, depending on their job and contract.

Civilian employees’ pay timing varies based on employer and USAA account.

For example, if payday is Friday, January 5, 2023, those with a USAA checking account may receive pay on Thursday, January 4, 2023, while those with a USAA savings account may receive it on Friday, January 5, 2023.

To find USAA pay dates for civilian employees in 2023, check your pay stubs, contact your employer, or call USAA customer service at 1-800-531-8722.

USAA Pay Dates for Contractors

Contractors are those who work for themselves or for a third-party company that provides services to another company.

Independent contractors manage their own taxes, insurance, and benefits, not classified as company employees.

Contractor payments depend on their contract terms, like hours worked or project completion.

Pay timing for contractors hinges on the contract, client, and USAA account type.

For instance, if payday is Wednesday, January 10, 2023, USAA contractors may receive pay on Tuesday, January 9, 2023 (checking account).

Find USAA pay dates for contractors in 2023 by checking the contract, contacting the client, or calling USAA.

USAA Pay Dates for Veterans

Veterans Definition:

Veterans served in the U.S. military, honorably discharged or released under non-dishonorable conditions.
Department of Veterans Affairs (VA) Benefits:

Offers disability compensation, pension, education support, healthcare, and home loan assistance.
Payment Schedule for Veterans:

Generally on the first of each month or the next business day for weekends or holidays.
USAA Members who are Veterans:

Receive VA benefits up to a day earlier if information is submitted in advance.
Example:

If payday is Monday, January 1, 2023, veterans may receive benefits on Friday, December 29, 2022.
USAA Pay Dates for Veterans (2023):

Check on USAA payroll calendar or mobile app for details.

USAA Payday Loans

USAA payday loans offer rapid financial assistance to members in need before their next paycheck. However, these loans are not accessible to everyone.

Eligibility criteria include maintaining a USAA checking account, having a regular income, and possessing a good credit history.

These requirements aim to ensure responsible lending and support the financial well-being of eligible members.

USAA payday loans are not recommended as a long-term solution for financial problems, and they should be used only as a last resort.

You can find more information about USAA payday loans on the USAA website or on the USAA mobile app.

USAA paycheck advance

USAA Paycheck Advance:
Access military pay two days early; varies by card type, method, and limits; fees may apply.

USAA Credit Card Holders:
Online cash advances with no fees; limits and terms differ based on card type.

Non-USAA Mastercard Holders:
Online cash advances available; limits and terms vary; no fees.

ATM and Bank Teller Cash Advances:
Limits apply; potential fees from USAA and service providers.

Cash Equivalents and Rates:
Limits and potential fees for wire transfers, money orders, or gambling chips; card-specific rates.

USAA Members without Credit Card:
Get early access to expected military pay, even without a credit card.
Stay informed about 2023 military pay dates on designated websites.

USAA Contact information