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Why Direct Deposit Matters Before Basic Training

Direct deposit isn’t just paperwork—it’s your first step toward getting paid as a U.S. Army Soldier. Completing your SF 1199A before Basic Training ensures your paycheck lands in your account on time, every time. Take five minutes now to fill it out, hand it to your recruiter, and ship to training knowing your money is squared away from Day One.

Future Soldier—congratulations! You’ve already taken a huge step by enlisting in the United States Army, and Basic Training is almost here. But before you step on that bus, there’s one crucial task to check off your list: setting up your direct deposit. If you want to get paid (and we know you do), you’ll need to complete the SF 1199A Direct Deposit Sign-Up Form so your Army paycheck lands directly in your account—on time, every time.

What Is the SF 1199A?

The SF 1199A is the official form the Department of Defense uses to know exactly where to send your paycheck. No form = no pay on time. And the last thing you want to worry about during Basic Training is a missing paycheck.

What You’ll Need to Fill It Out

Before you sit down to complete your SF 1199A, make sure you have:

  • Your bank routing number (9 digits)
  • Your bank account number
  • Type of account (checking or savings)
  • A voided check OR a bank letter confirming your account details
  • Your Social Security number
  • Your signature

Pro Tip: If you’re under 18 or using a joint account, check with your recruiter for special instructions.

Step-by-Step: How to Complete the SF 1199A

  1. Get the Form from your recruiter or download it from the DFAS website.
  2. Section 1 – Payee Info: Fill in your full legal name, address, and phone number.
  3. Section 2 – Bank Info: Add your bank’s name, address, account type, routing number, and account number. Double-check for accuracy!
  4. Section 3 – Authorization: Sign and date the form.
  5. Bank Certification: Take the form to your bank to be certified, OR attach a voided check or official bank letter.

What to Do Once It’s Complete

Hand your completed form to your recruiter right away so it can be submitted with your enlistment paperwork. Done correctly, your first paycheck will arrive without delay. If you skip or mess up this step, you could be stuck waiting.

Pro Tips for Future Soldiers

  • Choose a national bank or credit union with locations near Army posts for easy access.
  • Set up online banking now to monitor your pay during training.
  • Keep a copy of your SF 1199A in your personal documents folder.

Final Thoughts: Get It Done, Get Paid

Preparing for Basic Training isn’t just about packing your gear—it’s about handling the details that set you up for success. Completing your SF 1199A now means you can focus on training without worrying about your paycheck. This is your first step toward financial independence as a U.S. Army Soldier—and we’re proud of you for getting it done.

I’ll be back next week with more tips and guidance. Until then, Hooah!

SGM Kris Broadus, U.S. Army (Retired)