24-Hour Banking

HIGHLIGHTS Instant Access With Direct Deposit • make deposits at all participating CO-OP Sign up for direct deposit, and we’ll Network ATMs. Deposits made at a Navy Federal Debit Card automatically deposit your paycheck, non-Navy Federal ATM are subject to retirement income or stock dividends a hold and may not be available for Thousands of free into your Navy Federal accounts. You can five business days. ATMs nationwide safely and easily access it from around the You can also access an international world with digital banking.1 To enroll, just Checking Protection options network of ATMs in the Visa/PLUS System provide your employer with Navy Federal’s for a fee. Most Navy Federal checking Digital banking2 routing number (2560-7497-4) and the accounts offer Visa/PLUS System ATM Navy Federal account number where you fee rebates.2 Fees are deducted from the 3 ATM fee rebates want the money to go. account in which the transaction occurred. Sign up today at navyfederal.org and Make sure you have sufficient funds in search “direct deposit.” your account to cover any fees that may 1-888-842-6328 be charged. ATM Access For toll-free numbers when With a Navy Federal Debit Card or Making Purchases overseas, visit navyfederal.org. CUCARD®, you have 24-hour access to free Use your Navy Federal Debit Card at stores, Collect internationally Navy Federal ATMs and thousands of online and over the phone. Select “Debit” or 1-703-255-8837 free CO-OP Network® and Walgreens “Credit” at the register—the choice is yours. (in California) ATMs. If you choose “Debit,” you’ll enter your PIN. At participating retailers, select “cash TDD for the hearing impaired At a Navy Federal ATM, you can: 1-888-869-5863 back”, and you’ll save on ATM fees and • withdraw cash from your checking trips to the ATM. If you choose “Credit,” just For rates, account, savings account or Money sign and go. Either way, the money comes online applications or Market Savings Account directly out of your checking account. And, to find a branch near you, • make balance inquiries as always, you’re not responsible for any visit navyfederal.org. reported, unauthorized purchases made • transfer money between all your in stores, online or on the phone since accounts, except certificates and IRAs you’re covered by Navy Federal’s Zero • make deposits to your checking account, Liability policy. savings account and Money Market Navy Federal Debit Card and CUCARD Tips Savings Account 1. At the ATM, if you forget your PIN, don’t • make payments to your consumer make repeated attempts to enter it. loan, Checking Line of Credit, mortgage Contact Navy Federal for assistance. and equity loans—applies to select 2. Joint owners on checking and savings cards/accounts accounts can have access with a At CO-OP Network, Walgreens (in Navy Federal Debit Card or CUCARD California) and Visa®/PLUS® System ATMs, as well. you can: Applying for Cards and PINs • withdraw cash from your checking Complete an application at navyfederal.org, account, savings account and Money at your local branch or by calling Market Savings Account 1-888-842-6328. • make balance inquiries and transfers where available

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Navy Federal Website Mobile Banking1 Our full-service website provides fast Stay on top of your account activity safely and convenient 24-hour account services. and securely, no matter where you are, You can: with mobile banking. All you’ll need to get started is a mobile phone. • view rates Make deposits • locate the nearest branch or ATM and • keep track of new branch openings and • Get account information quickly and extended hours securely, find out when a deposit was credited, view your past transactions open certificates or IRA plans • instantly and much more • learn about the latest special offers • View your balance, transfer money and • explore a multitude of resources, more while on the go including our educational centers, auto Text alerts1 automatically let you know pricing guides, financial calculators and • when your account balance is low or budget worksheets—plus, download free when a payment is due videos on auto buying, credit reports and identity theft Enhance your mobile banking experience with the Navy Federal app. Find it for free explore career opportunities • at the Amazon Appstore®, the Apple® App Online Banking Store or in the Android™ Marketplace. Navy Federal online banking provides total account management online, Bill Pay Paying bills on mobile or online is fast, easy 24 hours a day. and absolutely free. Enroll after signing in • View activity on all your accounts, from to digital banking.1 savings and checking to credit cards Send money quickly to virtually anyone and loans • with Zelle®3 View up to 36 months of statements, • Schedule one-time or recurring payments even when you opt to turn off paper • up to one year in advance statements entirely Pay one bill at a time or pay all your Transfer money between accounts • • monthly bills at once (one-time or recurring), add to savings or make Navy Federal loan payments • Pay selected e-bills online from leading merchants • Transfer funds to a third-party Navy Federal checking account Bill Pay helps you securely reduce paper clutter. • View paid checks • Request a stop payment Automated Telephone Account Access You can also access all your accounts 24 Correspond by eMessage with • hours a day by phone at 1-888-842-6328. Navy Federal Once you enter your Access Number and • Initiate a cash advance from your telephone password, you can: Navy Federal Credit Card to your learn the status of your savings, loans, checking or savings account • mortgage and credit card accounts, • Apply for a credit card or a consumer including accounts on which you’re or mortgage loan the joint owner, co-applicant or • Open certificates or IRA plans co-mortgagor You can enroll in Navy Federal online • transfer funds between accounts, banking at navyfederal.org. including making loan/credit card payments

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• verify deposits Credit Card Cash Advances • check the status of your loans With your Navy Federal Credit Card, you can get cash advances at ATMs displaying • order copies of checks and statements your card’s logo (Visa or Mastercard®). • request a savings withdrawal to be You may be charged a fee when you use mailed to your address of record an ATM not owned by Navy Federal. • apply for a credit card, auto loan or Our cash advance APR is 2% above your mortgage loan variable APR. To request a telephone password, call 1-888-842-6328.

Message and data rates may apply. Visit navyfederal.org for more information. Navy Federal’s Free Easy Checking, Flagship Checking and Free Campus Checking accounts offer ATM fee rebates for PLUS System transaction charges up to $10 per statement period; up to $20 for Free Active Duty Checking®. Zelle is available to bank account holders in the U.S. only. To receive money in minutes, the recipient’s email address or U.S. mobile number must already be enrolled with Zelle. Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Federally insured by NCUA. Amazon, Kindle, Fire and all related logos are trademarks of Amazon.com, Inc. or its affiliates. App Store® is a trademark of Apple, Inc., registered in © 2020 Navy Federal NFCU 1184ep (10-20) the U.S. and other countries. Android and Google Play™ are trademarks of Google LLC.

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