EFT Requirement

Defense Finance
and Accounting Service
Providing payment services of the U.S. Department of Defense

EFT Requirement

The Department of the Treasury announced all payments from the federal government are to be made electronically and not by paper check as of March 1, 2013.

More than 99 percent of military retirees and more than 96 percent of annuitants already receive payments through direct deposit.

There are three ways to start direct deposit. Before enrolling, the retiree or annuitant will need to gather information including their financial institution’s routing transit number and account number. Then do one of the following:
  • Send a signed Fast Start Direct Deposit Form to Defense Finance and Accounting Service, U.S. Military Retired Pay, P.O. Box 7130, London, KY 40742-7130
  • Use their myPay account to set up a direct deposit to their checking or savings account
  • Or call the DFAS Retired and Annuitant Pay Customer Care Center at 800-321-1080 (option 1)

If they choose to call or mail an enrollment form, members should keep in mind that it can take 30 to 60 days from the day we receive an enrollment form for direct deposit to start. If the retiree or annuitant receives a paper check after enrolling, they should cash or deposit it as they normally would.

We are also working to provide a debit card option for retirees and annuitants that may not be able to open bank accounts and still need paper checks. This is similar to the one the Department of Treasury is offering for the Department of Veterans Affairs and Social Security recipients.

Payment by EFT may be waived in rare instances for members who have a mental impairment, or who live in a remote location with no access to direct deposit, ATMs or stores that accept a debit or prepaid card. Members and annuitants may apply for a waiver once we have established procedures with the Treasury Department.

Details about the debit card option will be updated regularly on the DFAS website (http://www.dfas.mil/mandatoryeft.html).
Updated June 24, 2013