Navy Federal Direct Deposit Form: All 13 Fields, Explained

Last verified against primary sources: September 26, 2026.

Navy Federal's direct deposit form has 13 fillable fields, and the routing number is not one of them. The number — 256074974 — is already printed on the sheet, laid out as 2560-7497-4. What you actually supply is your name, your home address, your employer's name, up to two 10-digit account numbers, a tick-box for the account type, a tick-box for how much goes where, and a signature with a date. That is the whole form.

Which sheet it is, and whether your pay belongs on it

The page most payroll departments accept is the detachable second half of Navy Federal's Direct Deposits and Allotments brochure. The copy published on navyfederal.org is revision NFCU 1167e (3-24); the tear-off at the bottom of page 2 carries its own mark, NFCU 97DD (11-20), along with "cut along dotted line" and "Photocopy as Needed." A copy, not the original, is what your employer is meant to keep.

Before filling it in, check that your pay belongs on this sheet at all. The brochure it comes from splits pay into three separate routes:

• Standard pay — paychecks "from organizations not related to military service, government agency employment or benefit pay" — uses this form, titled Direct Deposit of Net Pay Enrollment.
• Military pay — active duty service pay, reserve pay, military retirement pay, Department of Defense employment, and civilian employment with the Defense Finance and Accounting Services — is set up through MyPay instead. A footnote on the same page adds that allotment of military pay is not permitted for making consumer loan payments directly.
• Federal agency pay and benefits — Social Security, Supplemental Security Income, VA benefit and insurance pay, civil service retirement, and railroad retirement — use Standard Form 1199A, or are signed up through Go Direct.

Navy Federal's own FAQ describes the same sheet as the fallback when the employer search comes up empty: it says 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. The digital route is covered separately in where to find your Navy Federal routing number in the app or online banking.

All 13 fields, in the order they appear

The published PDF is a genuine fillable form, and every box on it carries an internal field number and a written label. Those labels are the most precise description of the form that exists anywhere, so here they are, field by field.

1. 001 — Name: First, Middle Initial(s), Last, Suffix. Four sub-boxes. The suffix slot is there for a reason: if payroll has you on file as "Jr." or "III," matching that matters more than matching your debit card.
2. 002 — Current Home Address: Street, City, State, Zip Code. Note the word current. This is your home address, not the address Navy Federal has on file for you, and not the credit union's own mailing address. Nothing on this form asks where the bank is.
3. 003 — Company Name. The legal entity that pays you. This is the "company named below" referred to in the authorization sentence printed just above it, so it should read the way your employer appears on your pay stub, not the way it appears on the building.
4. 004 — Account Number 1. A tick-box group, not a text box: Checking, Savings, Money Market. Pick one.
5. 005 — Account No. (10 digits, not Access Number). A text box. The warning is printed on the form itself, and printed twice — once for each account line. See the section below.
6. 006 — Amount of Deposit. Another tick-box group: Net Pay or Other.
7. 007 — Other (dollar amount). A text box that only applies if you ticked "Other" in 006. There is no percentage option on the paper form.
8. 008 — Account Number 2. Same tick-box group as 004: Checking, Savings, Money Market.
9. 009 — Account No. (10 digits, not Access Number). The second account's number, with the same printed warning.
10. 010 — Amount of Deposit. Net Pay or Other, again.
11. 011 — Other (dollar amount). The dollar figure for the second account, if that line is a partial deposit.
12. 012 — Signature. The label reads "Upon printing, a signature is required." No notary, no witness, no branch stamp.
13. 013 — Date (MM/DD/YYYY). The label asks you to indicate the date signed. It is the date you sign, not a start date — the form has no start-date field at all.

The routing number is printed, not filled in

Under the Account Information heading, the form carries two fixed lines: the institution name, Navy Federal Credit Union, and the digits 2560-7497-4. There is no blank beside them.

Three things follow from that, and they are the reason people who have never held this form still get it wrong:

• You cannot enter a wrong routing number here. There is nowhere to enter one. If a payroll portal is asking you to type a routing number, you are no longer on Navy Federal's form — you are on your employer's, and the number to type is 256074974.
• The printed grouping is 4-4-1, not nine straight digits. Navy Federal's own site footer prints 256074974 with no separators; the form prints 2560-7497-4. Both are the same nine digits — 2-5-6-0-7-4-9-7-4 — in two different official typefaces. Neither is a different number, and neither is a "direct deposit routing number" distinct from the wire one.
• The same number carries ACH and wires. Direct deposit rides the ACH network and a wire does not, but both are addressed to 256074974. What changes between them is everything else: a wire also wants SWIFT/BIC NFCUUS33XXX and a physical address, while this form wants neither.

Two account lines, but the brochure promises three

The tear-off gives you Account No. 1 and Account No. 2 and then stops. The brochure it is printed on says you "can divide your deposit among up to 3 Navy Federal accounts," listing Checking, Savings, Money market, IRA and Certificate. So the paper form covers two of the three. A three-way split is not something this sheet can express.

For a two-way split, the mechanics that fit the printed boxes are:

• Line 1 gets a fixed dollar amount: tick Other and write the figure in field 007.
• Line 2 gets Net Pay, which is a whole-check instruction, so the remainder lands there.
• Reversing those two — Net Pay on line 1 — leaves line 2 with nothing left to receive, because the entire check has already been spoken for.

Worth knowing if you are choosing between paper and screen: Navy Federal's own tutorial transcript for the digital flow describes deposit options that include percentage as well as "entire paycheck" and "specific amount." The paper sheet offers only Net Pay or a dollar figure. Percentage splits are a digital-banking feature, not a field on the form.

The line most often filled in wrong

Fields 005 and 009 both read "Account No. (10 digits, not Access Number)." Navy Federal did not put that warning in once — it put it in twice, once under each account line, which tells you something about how often the wrong number gets written there.

Nothing on the form defines the Access Number, and this page will not either. The instruction that is actually printed is the one to follow: the number it wants is ten digits long. If the number you are holding is not ten digits, it is not the one this box is asking for.

What the form does not ask for

Reading a form by its absences is often more useful than reading it by its boxes. This one has no:

• Routing number field. Printed on the page instead.
• Bank address line. None at all. Compare a wire instruction, which does need one — the difference is spelled out in the wire address vs. mailing address guide.
• Start date or effective date. When your first deposit lands is decided by your payroll provider, not by any box here.
• Social Security number field. The form asks for your name and home address. Your SSN reaches your employer through their own onboarding paperwork, not this sheet.
• Notary, witness or branch endorsement. Signature and date, and nothing else.

The two sentences worth reading before you sign

Above the boxes: "I hereby authorize the company named below to initiate direct deposits to the account indicated." The company named below is field 003 — which is why that box is not a formality.

Below them: "This authorization is to remain in effect until the payment office has received written notification from me to terminate the direct deposit." Two consequences sit inside that sentence. The arrangement does not expire on its own, and ending it is a written act addressed to the payment office — the people who send the money — not to Navy Federal. Closing or reassigning the account at the credit union does not, by itself, cancel an authorization held by your employer's payroll department.

Sign it, date it, keep a copy, and hand the copy to payroll. The form's own footer — "Photocopy as Needed" — is Navy Federal telling you that a photocopy is sufficient.

Sources: Navy Federal Credit Union, Direct Deposits and Allotments brochure, rev. NFCU 1167e (3-24), including the detachable Direct Deposit of Net Pay Enrollment form, NFCU 97DD (11-20) — field numbers, labels and printed text read directly from the published PDF's form fields, retrieved September 26, 2026, from navyfederal.org; Navy Federal Credit Union, Direct Deposit (FAQ: Truv; Manual Form delivered to employer or payroll provider in person or by email), retrieved September 26, 2026; Navy Federal Credit Union, Digital Banking Video Tutorials, Manage Direct Deposit transcript (deposit distribution options: entire paycheck, percentage, specific amount), retrieved September 26, 2026; Navy Federal Credit Union site footer (routing number printed as 256074974).