Name: Navy Federal Credit Union
Rating: 4.9013 (723340 reviews)

User Reviews for Navy Federal Credit Union

4.9 out of 5

723.3K Ratings

4 years ago, Jessica_starter

Reversed fraudulent transactions

I don’t know what i would have done without everyone from navy fed that helped me during this time. On 8/21 a fraudulent charge was made on my PayPal account. Paypal REFUSED to give me a refund even after multiple inquiries. So i had to contact navy federal. Every person i talked to was doing everything they could to help me. When i called they couldn’t see the transaction because it had not posted from paypal to my account. So they asked if i wanted to create a new checking account (because my paypal was connected to my checking) and they said it would possibly stop the transaction from posting and you wont have to worry about someone having access to that information. I did so. They transferred everything from one account to the other. During all this, they were kind to ease my worries. They reassured me that if it did process that they would get my money back. Unfortunately, i had a pending paycheck coming in on my old checking account and right when it posted to my account... PayPal processed the transaction. Literally within seconds of each other. This happened at 10pm last night 8/24. I immediately called nfcu and they sent me an unauthorized transaction form. I filled it out and sent it right back a few minutes later. This morning i had checked my account and my funds were BACK in my account! If it wasn’t for everyone that helped me at nfcu i would’ve lost my money. I learned a good lesson and I will NEVER use PayPal again.

1 year ago, seagal ben

Unprofessional Customer Service support at duty yesterday and tonight

It was a very bad experience for me with a female Unprofessional Customer Service support at duty yesterday and tonight, they just talked to you like somewhat!!. I had an issue on one of my ACH payments client account which I requested a proper review on it as for the client was claiming most payments was on hold by my bank but Navy already deducted those payments from my account. To my surprise when explaining to this customer service representative, she wasn’t sure of what information was on the account but only to accused me of talking over her and she rejected my request for a supervisor on duty! Not only that, she went farther to put a note on my account so that no other representative person would assist me at anytime. Tonight I called again to confirm same account status and the representative that picked up call was just so rude that she didn’t want to talk to me and did mention that there was a note on my account that she had to reject my request due to the note… but at the end, she accepted my request after asking her so many why questions and i thought she later realized that she was doing the wrong thing by behaving inappropriately to me as a customer of Navy Federal.

5 years ago, jumwon

Great app with even better service

I use both Bank of America and NFCU, and NFCU’s mobile app and overall customer support combined with integration with the app is completely seamless and eons ahead of BoA. The NFCU app has an extremely user friendly interface, and I love that it has direct links to customer service chat and call. Overall its security and banking-tech integration is fantastic. There was an example of a time I forgot my PIN to my card and after speaking with a representative she informed me that I was actually able to reset my PIN directly through the app. In comparison for BoA I can only reset my PIN by going in person to the bank during their working hours, which obviously poises a challenge for customers with 9-5 workdays. I am so impressed with the apps’ highly secure, detailed and user friendly interface. Even today when I went to make multiple payments to my credit card, it prompted me with a screen checking if I knew I was making multiple payments. I really appreciate developers’ high attention to detail and clear care to make NFCU customers’ experience using the app as positive, secure, accurate and responsive as possible. Thanks NFCU! Amazing service as always.

2 months ago, itsareason

Black representation

I started with a joint account for a minor and an adult and later transferred into an independent adult account. I took out an auto loan and bought a car from Craigslist and a line of credit for $500. I was scammed right after that. To advertise a commercial inviting more black people to open an account with navy federal when yall know yall security is underdeveloped is crazy to me. Real scammers know that navy federal don’t bother to tell its members their system is underdeveloped and to insult a victim yall actually blame the victim for being scammed. More so even if it means being robbed you can’t even pay the money back so that you the victim may move on with your life. Navy federal takes the money and leave the fraud flag on the account blocking all federal bank accounts and preventing any outstanding loans whether recently opened or not from being properly paid all in attempt to garnish wages. The police have no idea why you are sending people to them when scammers can clearly walk up to a bank with a poor persons card linked to their empty bank account and half empty line of credit and then cash a check and get a payout. To be real navy federal don’t even want the money because either the scammer didn’t get the money or they filed insurance so they can’t take the money. Navy federal don’t want real business from black people. Inviting more black people to create an account is crazy.

8 months ago, rangernine

By far the best mobile financial app!

I have several financial accounts at various institutions and can say hands down that the NFCU mobile app is far superior to all others. Very intuitive UI and supports most banking functions so you never have to resort to signing in with a web browser. Supports biometric authentication making signing in a breeze. The only knock I have is that they should simplify the process for placing a travel notifications on multiple cards (e.g. credit & debit) at once. At one point the UI supported this but was modified to require setting the notification of each card independently. This is cumbersome because you have to re-enter the same travel dates and destinations for each card separately which is time consuming and in most cases each card will be traveling to same destination on same schedule as the card holder so allowing users to select multiple cards for the same trip would be nice. That said, I still really love this app and wish other financial institutions had as comprehensive and polished a mobile app as NFCU.

1 year ago, Fototico

Pretty annoying!

This dumb app keeps telling to enter my password because “it has been a while since you logged in.” Or something like that. Two days is a while, really? I get that message way too often and it’s getting annoying. Combined with the fact that when you try to put gas at a gas station and pay using your card as a debit card, they automatically put a hold on your card for 150 bucks (I was told a couple of times over the phone). I’ve had many banks in my lifetime, and no other bank has done that. With my other two credit unions if you have 15, 10, 5, or whatever other amount you have in your account, the pump stops when you reach that amount. With Navy Federal I have to go inside and pay if I have less than 150. I was told to pay selecting credit card, but I always get declined. And in some gas stations, such as Arco, if you pay with debit you get charge the same price as cash, but if you pay with credit they charge you ten cents more per gallon. But seriously, about 10 years ago it was estimated that above 78% of the people in this country live from paycheck to paycheck. I imagine that now the number is higher. These are some of the reasons that I really don’t use Navy Federal anymore but rather use other credit unions.

5 years ago, Tj_modern warfare

Suggestion

Love the app, it serves its purpose, not too excited about the recent updates, I thought it was just fine before but I do have a suggestion, i'm always wondering how much money I’ve spent in a certain period of time but to do that I have to pull up a calculator and bounce back and forth between the app and the calculator and it’s inconvenient, I would like to see an in app calculator where I could possibly click on certain expenses on my statement and it would add them together in real time based on whether they are a negative or a positive transaction and then maybe an algorithm that breaks those expenses down into a daily, weekly, or monthly average, it would give me view on how much money I am spending on certain things in certain time periods, I think it would greatly help myself and others budget finances and get an outlook on spending habits... hope this gets through to someone i’m pretty sure I made this suggestion a few years back as well Update: Navy federal has responded by email to my suggestion above and stated they’ve shared this with their technical team, I’ll probably keep my rating at 4 stars until they add this feature but it would be pretty awesome if they did

1 year ago, Tshmitty

Speechless - Navy Fed is THAT GOOD!

I have been in the banking and finance field for 20+ yrs., worked for small/regional/large financial institutions, and hands down Navy Fed. is not even in the realm of other institutions, they should be your credit union if you truly believe in service, great products, and hands down, the best service I have received (even with some of the banks I worked for as an employee). I was visiting family in AZ, found something I wanted, made an application for a loan (very easy) online, and almost fell to the floor when 5mins later the funds were in my account! Thinking to myself, “let’s see what you have for a solid credit card”, well like the first, DONE! And even handled my balance transfer. This isn’t something you’ll ever see, or what I have seen in my long career in Banking! You want the best CU - Go NAVY FED! Stunned and overwhelmed with how great EVERYONE from service to loans, to just a call! Bravo! CRS

6 years ago, Jmeisternixon

One step from a 5 star

This is an honest review. I currently belong to two credit unions - The one I grew up using and then most recently Navy Federal. We will just say a couple things non app related but are essential to say. Navy federal’s customer service far surpasses all my and my wife’s expectations. That goes for app support as well. There have been times where we have needed help and just being able to call in and talk to an actual human being goes a long long way. This app is loaded with resources that help you in the app as well as redirect you to their website for more information. But the amount of things you can do in this app is incredible. The UI is intuitive and is fairly easy to maneuver around in. My only complaint (and its really not a big deal because you can do it from the website but it should be a feature in the app in a future update) is the ability to transfer a $ amount directly towards principle when it comes to the mortgage. On the website this is an option which obviously is helpful - I think that the user experience could greatly benefit from having this ability. Thanks Navy Fed, keep up the great work!

1 year ago, Mrs.Jacki Scott

Everything is great except one thing

This app is awesome and has almost everything I need in life except one thing. Unfortunately, that thing is something they could have simply had there the whole time like other apps. The balance that is left in account after each transaction. That would be great to see along side how much I or my spouse spent. My spouse is a visual person and needs to see that type of thing in order to be a better financial person. They have ADHD and therefore doesn’t like doing the extra work of calculating on paper how much they have spent and left behind after every transaction. Now I know it shows in the app, the balance left all together in the checking account. However, once money is added to the account, it is hard to tell how much was left after spending before the money was deposited from our jobs. Which is something I desperately need my spouse to see since they think they are not the ones spending most of the money in the account. If navy federal could make things easier for spouses married to those with ADHD and ADD, that would be amazing.

4 years ago, Wasting My Thyme

Hello Developers

NFCU is an outstanding financial institution, but this app is aggressively bad. It cannot remember or process login credentials even after many months of this problem being known and pointed out. This seems like a very basic function to have down. How does this even get messed up and approved for release in the first place? Is there no function test? Work-around for fellow users: Touch ID, etc., is useless because the app won’t remember you. If you close the app and immediately reopen and try to use Touch ID it will tell you that you haven’t signed in for a long time and that your password is needed. Literally 1 second after you just closed the app. It will also reject your password as being wrong. Your password is not wrong; you need to navigate the menu and select the option to sign in as a different user. From there, and only there, you can log in with your credentials. Pardon the pointedness, but this is a stupid problem to have. And to have gone on for so long. Nobody cares about the color scheme. Listen to the first-hand user experience and fix the actual problems.

6 years ago, M12$7653

Frustrating to use and inaccurate information

Updating this after reading other reviews. The balance IS NOT ACCURATE!!! After nearly two decades as an NFCU member, and believing in the accuracy of my balance and posted transactions, I got hit with two overdraft fees when an amount that allegedly “posted” to my account had not. This is the first time this had ever happened to me, due to paying off a fairly large bill that was listed as paid before I paid other bills. I saw when reading the one-star reviews of the new update that this has happened to others. You CANNOT TRUST THE INFORMATION CONTAINED IN THE APP, including balance. In addition, the app has lost functionality. It’s now very frustrating. Tried to add a biller and it tells me it can’t find the biller and suggests I enter it manually. But it no longer has the option to enter the biller manually if it can’t find the biller. So Catch-22. Tried to enter the bill as a person instead and when I had to enter the phone number I mis-typed the first digit. The system would not let me backspace over the mis-typed first digit. Had to completely cancel everything and re-enter all the information before I could save the biller. Plus since it would only allow me to manually enter the biller as a person instead of a company, there is no field for account number.

5 years ago, Grogboshi

Clean and Usable; Needs To Implement Multiple Accounts Better

For users who have multiple different logins, such as multiple personal accounts or personal and business accounts, it’s very tedious to have to constantly sign in and back out to manage different accounts all owned by the same person. Especially when two-factor authentication is on and required every time you login. Other banks I’ve worked with allowed for all business and personal accounts under the same login and it made it much easier to manage accounts and transfers. If not having everything under one login, at least having a way to quickly switch between logins after they’ve been authenticated and stored on the device/app would really speed things up. Also, as of 2016 the government recommended one-time passwords no longer be sent via text or email because of how easily they can be stolen. This app and the Navy Federal website need to switch to two-factor authentication that uses device push notifications, authenticator apps like Microsoft/Google authenticator, and Yubikeys for more security.

2 months ago, Jimbo0848

The worst Military bank ever

Veterans plz find another bank. I was with this bank since 1996. The bank was the best bank ever back in the days up until 2005. Thats when greed started to take over. The board members started to increase there pay and started taking advantage of members who help build the institution. I used this bank for all my financial needs, cars, loans, checking, savings, cds etc. When I applied for student loans for my daughter their interest rates offered were well out of the normal rates twice as high. We found another institution to send my daughter to college. We all know military does not pay nor are we in for the pay. NFCU trying to take advantage of what little we get payed. Car loan rates are no longer competitive with any other financial institution. Greed has taken over this bank and they are taken advantage of all young military members. If you are reading this up to this point then you care about your little bit of money you have earned plz stop giving to this bank. I retired from the Marine Corps in 2008 as a MSgt. Twenty plus years so I am not making this up. Find another institution who will treat you with the respect you deserve! Semper Fi

2 years ago, cbb customer

Scheduled payments disappears

I had set up recurring payments for my credit card. A few days before the April payment is due, I go into my account on the app, and there’s no scheduled payments showing. I didn’t receive any notification that anything was canceled. So I scheduled payments on a month-by-month basis. Today, when I went into the app to see if my payment for April was processed, the scheduled payment I made a few days before for my April payment was gone and no payment applied. So I called customer service, At this time, I had the app open to a scheduled payment screen for May, and I didn’t even touch the screen when a pop-up box appeared asking if I wanted to cancel the transfer. If I wanted to cancel the transfer, I would have pressed the big orange button- NOT some tiny pop-up box with tiny print. There is something definitely wrong with the app. I will wait to see if my scheduled payment for May disappears also. Terrible app when you set up payments, and they disappear. And a tiny pop-up appears asking if you want to cancel when the screen isn’t even touched. Makes me distrust NFCU if the app is this problematic. A very bad user experience.

5 years ago, Cdubscharlotte

Great company infuriating decisions.

I was trying to deal with an urgent financial situation and the app forced me to fill out several detailed security questions to “protect me” some of which I wasn’t 100% sure on my answer and wouldn’t be sure I would type the exact same thing next time it asked. Worse yet I was not in a position to write down or type up these answers for later review. In the event I need them I will likely have trouble. While I got through the situation it was a huge inconvenience at the moment and it made me so much more mad when I tried to sign in online via the web browser on my phone and it forced through the same process there too! Thanks for trying to make me safe but don’t ever withhold someone’s ability to move their funds without performing functions that easily could have waited until next time they signed in. Huge hit to your credibility on this one. How long until I am locked out of my account again until I perform some other tasks you want for “my protection?” I’ve already got two factor authentication turned on and facial recognition enabled. Why the hell is it so urgent to know what my mothers maiden name is. It could have waited Navy. It could have waited.

3 years ago, adamhenley

Missing Pending Checks & incorrect pay dates

Two points of feedback. 1, I usually love the NFCU app. However, so often there are missing pending checks and ACH transactions that clear either at random times during the day or during a processing period in the middle of the night. These checks do not show up in the app until they fully clear. Solution: please include checks and other electronic pending transactions shown as grouped and show how this relates to the “available balance.” Often it is not calculated in the available balance, which causes headaches when budgeting. Maybe also show another number that subtracts these amounts and call it “effective available balance.” 2, the pay dates for early and active duty pay were shown as January 12 and 13 for most of the time this month leading up to these dates. Then at the last minute they changed to the 13th and 14th. It made budgeting a bit difficult when that extra day occurred, not getting paid until a day later. Solution: somehow verify the dates are correct for the rest of the year and on an ongoing basis, please.

3 years ago, Sage Pitre

One Of The Best Banking Apps & Banks In The US

My name is Sage Pitre better known as YouTuber, Boxer, Motivational Speaker, & Public Figure: Lit Wichi. I love this app & Navy Federal so much , they make banking as easy & accessible as possible. Everything you need is literally a few clicks away, the also makes sure you are doing well & finding everything fine , or need any further help. The only thing I want that’ll make Navy Federal & their app better is quicker deposit when turning in funds, or accepting funds. This would make the app better because I won’t have to worry about stressing if I’ll have all the money to pay my bills, finical needs, & wants in the time that they need it. Other than that I love Navy Federal & all the different offers they have , and the process for signing up is quick, easy, & very understandable. If you want a great bank & banking app download the Navy Federal app & bank with Navy Federal! , Sincerely Sage Pitre aka Lit Wichi

2 years ago, Army Nurse Tee

I wish there were better features

I love NFCU but I wish the app had better features that would make banking via the app more user-friendly. For example, in the ‘view biller’ section, it would be great if the most recent scheduled pending payment was displayed. Sometimes I have to go back and forth from the view billers section to scheduled payments section to recall if I had already scheduled a payment for a biller. Another feature that would really enhance the banking experience would be to allow for the customer to make withdrawal or deposit reminders in the account transactions section. There are times when I have automatic recurring ACH withdrawals that I forget about or if I wrote a check, or am expecting a ACH deposit even, it would be great if I could enter a reminder or self schedule a withdrawal or deposit that serves as a reminder of some sort, that I can then delete once the transaction clears my account. I’ve used other banking apps that even allows you to set recurring reminders so that you can recall the payee/payer, amount, and anticipated date.

6 years ago, jcsimm027

Great app but.......

This app is awesome and allows you to control and do almost any and everything related to your account. You can even freeze and unfreeze your debit card if you lose it and find it later or until you have it replaced. I only have two complaints: 1) Sometimes the app and website show different info. Although my balance is the same, the scheduled transactions that show on my computer through the website aren’t showing up in the app on my phone. 2) In-process and pending transactions should show in the scheduled transactions list on the account page so you’ll know to deduct them from your available balance. Today I noticed my in-process transaction wasn’t showing up in the scheduled transaction list. This could be a major issue because if you forget about it and if you don’t check the bill paying tab you could think you have more than what’s available to spend.

4 months ago, Nick Bentley

Unparalleled customer service

Day or night no matter what time NFCU is always available to help. I had a credit placed on a card that I no longer use and wanted to move the credit to my checking account. The rep was able to take care of this in 6 minutes and was so polite and welcoming during our call. I had another instance once of a string of fraudulent activity on my card that started happening late at night. I called around midnight and the rep was able to freeze my card, cancel it, issue a new one, and reassure me that the fraudulent transactions would be refunded when they posted to my account. Again in little time and with such professionalism. I cannot more highly recommend NFCU as a bank. Since this review is supposed to be about the app, I’ll just say that the app is amazing as well. I can do so much on the app without needing to call (I can even request a cashiers check & sign loan documents right on my phone!). Balances are right where I’d expect them so I can quickly check whenever I’m wondering. The thing I love the most about the app though is a bit of an Easter egg. If you pull down on the accounts screen and you keep pulling down it says thanks for being a member in the middle of their globe. It’s the little things that count & continue to make me a happy customer. Thanks Navy Federal 😊

5 years ago, frozenarc

Running balance is not accurate!

I love being able to bank with an app on my phone, but one feature in this app is driving me crazy! When you pay your bills through bill pay the running balance is not accurate. Up until the day of the bill payment you can see the amount of your bill payments in Bill Pay. But once you get to the day of payment, the list of what bills are being paid disappears completely until then payment clears the bank at midnight! It is NOT in Bill Pay or as a pending transaction in your account! If you pay multiple bills all on the same day and can’t remember exactly how must they totalled you could very easily overdraw your account! This needs to be fixed. Immediately either keep the pending payments in Bill Pay for an extra day, or show them as pending in the account the same way you would with a debit card payment. This should not be a difficult thing to do and the only reason I can think of for NFCU not doing this is so that they can collect overdraft fees. Note: I have NOT overdrawn my account. I just see the potential for it to happen to many people and I want it to be fixed. Pronto.

4 years ago, Sgt Vivi

Beyond Expectations

This Credit Union will take care of You and has your back All the way through. PNC, Chase, Bank of AMERICA, TD, I've had them. And they tend to be a jumbled mess and treat you like the same, from what their perspective is, as a ”Peasant” limping in off the streets. They make there hundreds to thousands of dollars off of you through Late fees and Interest and wait for the next $20,000 a year Annual earning man or women who walks through there Billion dollar a year earning double-doors. Navy Federal, seems to actually Treat you like you matter. Your Worthy of at least a Chance to have a and reliable and comfortable financial existence for your Service and Hardship that you’ve done for this country. And the App is downright Silk and Butter. Open, 4 digit password, Pay, see ALL activity within less then 30 seconds slight of one hand. And the customer service is amazing. They seem to treat you like your apart of a family. And you honestly are. We all cried, bleed, hurt during our times in the Uniform and Navy federal understands that. Navy Federal Credit cards, Loans, all are given to your person with a Very generous Amount and Very low Interest. I will be with this Credit Union until the end. Thank you Navy federal! I recommend this Union to ANY in-service or veteran!

5 months ago, Mous186

Mobile Deposits Don’t Work

This app is fantastic for checking balances, making transfers, finding ATMs, and finding contact information. Unfortunately, the most useful feature, mobile deposit, is nearly useless on the most recent version of the app. Nearly every time I try to make a deposit, I get an error saying that I forgot to sign the back of the check even though my signature and the “for Mobile Deposit only at NFCU” endorsement are clearly visible on the check. I’ve tried everything… different backgrounds, lighting, check orientation, I even rigged a stand for my phone so that I could ensure the phone was perfectly still while taking the picture. It often takes 20-30 tries to get the app to accept a check. Customer service just advises going to a branch or depositing the check via ATM or mail. This had been an issue 5+ years ago but was eventually resolved; unfortunately the newest releases of the app have this issue again. I would happily give the app 5 stars if NFCU could make mobile deposits work properly!

2 years ago, cnounous

Have always been a fan until this!

Since I joined NFCU, I’ve never felt at home with so much welcoming features for its customers, including its customers’ Sevices. That was the dream until the nightmare fell. I woke up one day and saw out of nowhere my Zelle services restricted for security reasons as they claimed. I called the given number on the error message (about 4 to 10 times) to question the decision and resolve the issue but all that without success. After hours of conversation and phone calls, been bounced around between departments, NFCU simply told me they can’t do anything about it. So here I am been punished without me knowing for a crime I didn’t commit, guilty till proven innocent without a chance of proving innocence. Till this day I cannot use Zelle services with NFCU. That same issue happened to my mom and sister as well. My brother’s even weird as he cannot Zelle me money to my phone number which is associated with my other bank. That slap on the face leaves me extremely disappointed and heartbroken. I would not recommend NFCU to my peers. I’m exploring completely switch to USAA or other great credit unions.

9 months ago, Kiminie

This App was great but now Zelle doesn’t work

I normally really like this app, five stars if it went back to working like it’s supposed to. For months now, the Zelle portion of this app has been glitching when I try to send money to certain numbers. If I try to add contacts, whether it’s from my phone or from memory, it somehow locks up that contact and nothing happens when I try to tap on it to send that person money. I had to text them and ask them to send a request. So ridiculous. A review from 4yrs ago had this same complaint about the Zelle app itself. For the past few weeks, I haven't been able to access Zelle at all. It just goes to a blank page and does nothing when I try to access it. I’ve tried going around it every way I can and even the Zelle app sends me back to this glitchy mess. As a volunteer treasurer for a few organizations, this is not a good look and I will no longer list Zelle as a payment option. Well send our business elsewhere....unless it’s fixed and given prompt attention.

6 years ago, not a fan of the new app

I need to go back to keeping a paper register

We can argue that I SHOULD have always kept a paper register detailing all my transactions and running balances, but the fact of the matter is I didn’t need to. With the previous layout, I had all my transactions detailed out with a running balance all in one spot. It looked just like the paper register I use to keep. Now I have to look at the transaction detail on the right hand side then look to the top left for a my current balance. If you asked me what my balance was at the end of last mo th, I’d need to do the math. I do not see where removing this detail presents a value add for members. The App also has a lot of unused space on the left hand side below where it shows my current balance. Out side of that, and a few buttons, the remainder of the page shows no information. In my opinion, the programmers have this a feel, similar to a credit card app. But the fact is, this is a banking app, and with the layout changes you made to the part of the app I use most, it’s now a terrible banking app!

6 years ago, ramg819

Could be improved

I came here from PNC upon referral from my sister. With the PNC application, you can use the calendar to add in preauthorized payments you made outside of bill pay (like if you went to a credit card app and made a payment to them, it’s posted to your credit card and you can add the authorization amount and who paid to into the calendar), checks you wrote, etc so you can see a real-time balance and not have to mess with a checkbook at all. It was very beneficial in that I could see all my accounts, what the balances were after the deductions scheduled to come out. If there is a way to do this on Navy Federal app that I’m not seeing, would appreciate if someone could advise. If that isn’t an option, perhaps someone could look into making it an option? I’ve tried different apps to link my accounts and haven’t been successful in linking them all and showing correct balances. Updating and such have been a pain. I’d just like to be able to add things on my app.

6 years ago, Deejohns

Won’t let me log in.

I usually don’t write a lot of bad reviews, but my PIN number was the first thing. It was just randomly disabled one day, which isn't too big of a deal. I could still log on, but now they’re trying to add two factor authentication and whenever it asks to send an email to verify your account it says we’re having technical issues right now please call ***-**** for help. I called them and it’s over an hour wait to talk to someone. I actually started writing this review after being on wait with them for 47 minutes so far for what should be a simple problem to fix. Navy fed is a great bank, I’m just really disappointed with they’re technical division. Edit: I had that problem yesterday, but I am pleased to say that they tactfully explained the situation and while still frustrating it was understandable. They even sent an apology email which was a pleasant gesture and showed their understanding of my disappointment.

2 years ago, Planeguy67

Love the Bank, Hate the App

I’ve been a customer of NFCU for around 3 decades. Great credit union. Very happy. Wouldn’t leave them for anything. But this app has issues. The auto-capture for Mobile Deposit hasn’t worked in almost a year. No matter how steady I hold my iPhone, no matter if I’m too close or too far, it simply will NOT capture. And then 1 out of 10 times it’ll give an error like “Sign the back of your check” when I clearly SIGNED IT! I usually just retake the photo and it often works then, without changing anything! In comparison, my mom uses US Bank and their app works beautifully. Auto-captures the check before you even stop moving the camera. And never an issue or errors. It just works. Next is reliability. Again, 1 out of 10 times, the app just doesn’t want to work right. “Technical Difficulty” messages, “Try Again”, or sometimes it will just fail to load an account. And yes, app is up to date. Lastly, I travel A LOT. And even though I enter my travel plans into the app, my NFCU Visa fails to get approved on my trip about 1/4 to 1/2 of the time. I appreciate the caution and safety NFCU is trying to exercise, but I already SAID I’d be in XYZ country. Why is my card getting declined almost half the time? My Fidelity Visa ALWAYS work while traveling and I don’t even inform them I’m leaving home. Hire some new IT guys and fix the app. See who US Bank uses.

2 years ago, Bortzjr

40 Year Happy Member

Great credit union, great service, great APP! One suggestion; on APP mobile deposit, checks must be endorsed using specific wording. Yet, there is no indication of that until it is time to photograph the back of the check. At that time they show a checklist, and first indicate the required endorsement wording. However, by then I’ve already endorsed the check using the standard “For deposit only”. (Why else would I think it’s ready for submitting?) There is never enough room to cross out and correct that phrase, and I don’t do enough mobile deposits to remember the requirement. I’ve had to drive an hour each way to do counter deposits after the mobile deposits were rejected. Please, modify the APP to let members know up front the specific things required for mobile deposits.

4 years ago, Meagandc

Inaccurate readings on accounts

I too have been banking with Navy Federal for years. There are no branches near where I live, so the app is my go to! This year I have had to really keep my eye on the app. Twice this year I had return check fees for payments not going through. The app has been taking dayS to update withdrawals from bill payments. Everything else seems to be instant, expect bill payments which is most important to me! I’ve been building a new business, and my first large payment while building my business credit was returned. Not only does that hurt my score, but I was also charged a fee! Sometimes things move a little fast. I should be able to trust what my account says and not have to calculate the true balance before making transactions. In the past when transactions would be delayed it would post as pending until cleared. I’m not a fan of what is happening now. Years ago this was a huge issue with Hunnington Bank and a class action lawsuit was issued. I hope this doesn’t get that far!

5 years ago, JoMo71767

Mobile Deposit

First let me say I have never written a review in my life. Love everything about the app, but because I’m 2 hours away from my nearest Navy Federal Branch, I have to resort to mobile deposits. Every. Single. Time. I try to deposit any amount of check I am constantly hindered and bombarded with the error of “the numbers at the bottom are blurry”. Every single time I try it as instructed. Every time I try at every single angle, background, lighting, and any other type of condition you can think of in order to deposit. These deposits generally take anywhere between 15 mins to 2 hours or the next day or two because I give up on trying to deposit via this feature. Please all I ask is that this is looked into, this is the most irritant most hassle I have ever gone through to make a deposit each time. (And every single photo is as clear as day, the most legible HD photo you can get, a photo that can be read and understood microscopically by the human eye, but apparently not a digital program/computer)

5 years ago, pro2ndamendment

Having sign-in issues

For the most part I have no problems with this app but it has started to have several issues in the past week that did not exist before. All the issues I’m experiencing are related to the sign-in process. Even though I have Touch ID enabled and have been using it for months it suddenly no longer offers this option when I launch the app. I tried to disable and re-enable the Touch ID feature to see if I could get it back but it will not allow me to disable Touch ID. When I go to manually enter my password the app automatically remembers my user name but says that either my user name or password is incorrect. After a 45 minute call with tech support I was told to try logging in as an alternate user. Magically the app now accepts my user name and password when I go through this extra step. This is now the only way I can login to the app. This is not a satisfactory solution to the problem. Please get these bugs fixed ASAP!

6 years ago, Njhgi

Good app but

I know I’m not the first person to PCS to Guam. I’ve had to call customer service 5 times for issues with what they keep telling me is localized to the app; I tend to believe them because their fix was for me to delete the app and reinstall it. The issue comes into play when I’m “asked” to update my security questions; “asked” is in quotations because you don’t have a choice but to update them or get kicked off. So I go thru the process of selecting and answering 5 questions and then hit save... only to be followed up with “update” your contact number so we can call you if there’s an issue with your account. I input my Guam number, since that’s where I’m stationed now, only to be ticked off haven spent all that time selecting questions relevant to me and that I’ll actually remember, then the information DOES NOT SAVE BECAUSE THE SYSTEM REFUSES TO RECOGNIZE MY ONLY CONTACT NUMBER. It will not allow you to continue leaving you with the only available option; cancel. Then you get kicked out with your work with the security questions deleted.

1 year ago, Carvana is a joke.

Failing

NFCU has some stand up workers until you deal with their online messages. They lack the knowledge to address issues with payment processing or forms. They used to be very quick at processing payments but over the past 6 months or so my credit card payments, account balance, and available balance do not match for days after being processed. Making a payment that was pending should show as such in your available balance and account balance. It makes no sense for one to update immediately but not the other. I.e. my account with show I have a credit because I paid my amount in advance. Then, I purchase a $250 item. It would show I owed $250 on the available balance and in turn be reported to a credit company if on reporting day even though the account has the $800 credit that should've been taken down to $550 rather than showing I owed $250. They are denying that anything has changed but this never used to be an issue.

2 years ago, Drewmech

Profits are their mission

Been with this bank for decades. Have relentlessly had issues with them. You’ll never get their advertised rates and they’ll never match the competitions rates. Navy federal has all the same little asterisks next to anything as any other bank. Financed multiple cars with them and there’s always a problem. They lost the title and suddenly it’s my problem. When the State title agency says only the legal owner can request a replacement title that is again my problem. Since they lost the title they’ll convert the loan to a consumer loan at credit card interest rates. Dealership I bought the car from supplied me with copies showing that the title was mailed and filled out as per Navy feds instructions. Last time shopping around for a car a local bank with whom I had never done buisness with before beat their rates so bad they called them (TTCU) a scam bank. Mortgage’s are the exact same. Only reason I still have an account with them is for the length of credit history. I will never again use navy federal for anything.

2 years ago, Eddierae

Missing Standard Banking App Features

The NFCU app allows customers to access the basics but there are a few features that need to be updated. -When the app sends notifications to your cell phone there is no indication of the reason for the notification. When users click on the alert and the app opens up, it doesn’t take you to the reason for the notification (ie. withdrawal, paperless bill ready for view, etc.) Users have to look at each account and try to figure out why they are receiving a notification. -Bill pay only allows payments to be made using the checking account. Other banking apps allow users to pay bills using checking and savings account funds. NFCU forces users to transfer to checking and then pay bills. -Transfers between the users own NFCU accounts are not immediate. This includes low dollar amounts. Moving money from one account to another takes 24 hours before the account reflects the change. The $ is being moved in house and shouldn’t take that long.

5 years ago, AzorathTheKing

Really slow

So I am currently trying to buy a game and I have had money transferred to me account, well it’s taking forever to transfer it used to take 10 minutes to transfer at most but it has now taken me 5 hours to transfer $5 which is all I need to buy the game cause I already have money on the account and idk why it is taking so long now but it’s really aggravating that I have to wait until tomorrow to buy the game when the money should have already been transferred Also it’s only $5 that is being transferred and it’s taking 5 hours..imagine if I needed the money in case I didn’t have enough to buy groceries...it wouldn’t transfer in time for any type of emergency... there for it needs an update making it back to normal like it should have stayed as

4 years ago, garrily

Latest update is a step backwards in usability

The 6.9 update follows the annoying trend of adding empty vertical white space to the information presented. Now, instead of seeing 4-5 transactions when I first open my checking account, I see only two. Scrolling to fill the screen with transactions presents far fewer than were visible previously, meaning it takes longer to find what I was looking for. This is not only not an improvement, it is a big step backwards in the usefulness of the app. I’d like to see the polling numbers on how many requests you had to present less information on the screen, because I have a hard time imaging that a significant number of users requested that fewer transactions be visible at a time. Just because something is trendy in UI/UX design doesn’t mean it is what users want or need. Users like large screens because it allows more stuff to be on screen at a time, not because they like to look at empty spaces.

3 years ago, Coolman93!!

Best banking mobile application

The Navy Federal mobile app is the absolute best and incomparable. I can honestly say I boast about the features and functionality of the application. It’s extremely easy to use, the home page shows all your funds, you can apply for credit cards on the spot and transfer money easily. When I ask non navy federal users about transferring money, they cant do it using their mobile banking app or it cost money to wire funds to other banks. I love this app and customer to the full extent. I can make 1 suggestion, I have a prepaid Navy Federal Go card to provide money to my siblings, and that site is a blast from the past. I would like to see that incorporated into the navy federal mobile app. Thank you navy federal for providing excellent service.

3 years ago, Bob Nimmo

Great credit union, mediocre mobile app

I'm overseas and love the local base branch office. But the mobile app can be frustrating! Right now, I'm trying to get on...and like it often does on our Sundays...the app is undergoing maintenance. And a few other things, when bills are paid with the online banking feature, why can't it just show the amount already reduced in the charges under the checking account? Instead I have to look at the recent charge history, and then in a day or two...wham, here comes the charges applied! Like other banking apps, it would be nice to show how the charges are being processed but still reflected in what your current running balance is. And 3rd, when I get a zero dollar balance bill, why can't I just make the bill go away by selecting "zero balance, already paid"? It's found on the website, full version, but not on the mobile app. Why? Anyway, just wanted to give some constructive feedback. Thanks.

3 years ago, CheerMama3

Wish I joined a long time ago

My brother has been telling me for years to bank with NFCU but for some reason I was hesitant. The “no local branch” thing scared me. I finally gave in after another hellish experience with a major branch bank. And man oh man was this the biggest case of I told you so. My banking experience has been nothing short of a breeze. The customer service is fast the people are polite, they answer all of my questions and don’t make me feel like an idiot. There’s no unnecessary fees they refund ATM fees, so don’t worry about not having a branch near you. Mobile deposit is painless. Seriously I have no negative comments that’s far been with them about eight months. Open to cards with them low interest, no nonsense. Don’t be like me!! Join if you can!!

2 years ago, EllaCarys

Auto capture for mobile deposit not working after latest update

So incredibly frustrated right now! I used my brand new iPhone, my iPad Pro Air, and even my old iPhone (because it used to work on there) to attempt a mobile deposit, but your latest update will *not* “auto capture” a mobile deposit check. Blurry pics, check wouldn’t fit in the auto capture window when it used to auto capture almost instantaneously. What is happening??? After literally 20+ tries on three separate devices, I turned off the feature so I could take a picture of the check and I did get a message stating it was accepted only to then get a message 15 minutes later saying it wasn’t and to do it again. Never, not once, have I ever had this issue before so I had already written VOID on the check! I’m sure you can imagine the headache that caused. Sooo not happy with your latest “fix.” Saw another review with the same problem so it’s not just me or my mobile devices…

3 years ago, InfinityCabbage

Absolutely Frustrating

Newest update introduced the problem of asking me to complete a software update for my phone that DOES. NOT. EXIST (after restarting multiple times my phone is fully up to date). Apparently someone thought it was a good idea to update the application to completely brick itself and become unusable. Great change! Uninstalling and reinstalling fixed the issue, but then I had to go through the added hassle of reconfirming my device and re-doing all security measures, as well as face-id. Then I tried to make a deposit. Asked for all my security questions, put in the CORRECT ANSWERS I REMEMBERED TYPING EXACTLY into the text box and I was locked out of my account. For someone that gets very anxious when funds are not settled quickly this is utterly maddening. The convenience of being able to deposit from home and not drive a ludicrous distance is abundantly useful, but causing this much stress over something as simple as sending two images is ridiculous.

6 years ago, Patrick Bickel

Simple App

Works well, does what it’s supposed to do and accurate. You can’t blame where you bank for overdraft fees and a poor accounting of your money. If you operate that close to the edge I might suggest keeping a paper ledger so you don’t cut yourself short. As a former USAA customer, Navy Federal is HANDS DOWN superior in customer service. This app, while it has less overall features than USAA, it simple and easier to navigate. An added benefit to banking with Navy Federal is if you have a problem, whether it be with the app, a debit or credit card, or whatever... you can walk into one of their many branches and speak to a HUMAN and get your problem resolved. USAA got too big for their britches... and Navy Federal hasn’t forgotten about their customers like USAA seems to have. I should have switched years ago.

5 years ago, BAHUSER1

Update to 6.4 caused app to crash

I have been using the app for some time and have been happy with it. Just updated to version 6.4 and that caused the app to “crash”. When trying to open it after the update, it showed the opening screen for 2-3 seconds, then jumped back into the background without completing opening. If you bring it back forward again, same thing. I power cycled the phone, same thing. I deleted and re-installed the app, same thing. Kind of hard to like an app that you can no longer use. iPhone 5, but shouldn’t make a difference. Update: I guess that the developers actually do read these reviews and take them in to consideration. A further update to version 6.4.3 has been made and my iPhone 5 is “back to happiness” with the app. Thanks, glad to be using the app again as I want and need. Back up to 4 stars now...

2 years ago, Iplayyoupay

Behind the times

The mechanics behind the app is truly outdated. I don’t feel as though I have to keep checking this app and my balance to see if a charge actually posted or when it posted. I’ve been overdrawn twice already because they can’t post charges when they actually happen. And I’m saying to myself, “I know this charge is going to appear out of nowhere” and it did, and it overdrew me. And it wasn’t a charge where one price is shown and then it updates to a final price, the charge simply wasn’t there for 2-3 days and I’m going into the app to check periodically.. it’s 2022 I shouldn’t have to worry about things like this. This makes people move on to fintechs because they think about things like that. Truly frustrating that this app can’t update me on my spending, no form of notification from having a negative account, no text alerts, nothing. If I make a payment with this card on Tuesday, why doesn’t my balance change until Friday?? Confusing.

3 years ago, JayKauzer

App Won’t Total-up Pending Transactions!

We live in an automated world now: we expect our banking applications to do the simple task of telling us, at a glance, in real time, how much of our credit we are using or how much money remains in our debit accounts. …Not on this app. On this app, transactions in the “Pending” category can take days to clear, with little consistency as to how many days, and yet the “pending” category comes with no automatic display of its sum! Other banks may may tell you your “projected balance” which incorporates “pending” commitments you have made on your card. The absence of this basic service requires users to tediously tally their litany of pending transactions by hand, constantly, if they want to avoid either going over budget or, worse, incurring an overdraw fee on a debit account. This is especially a nuisance when traveling - as NFCU’s military clientele often do - because travelers must make many frequent transactions over a period of days. This missing aspect of the user-interface is so basic and so inconvenient that customers may be tempted to think that it is deliberate: a design to get NFCU’s less careful bankers into a financial pinch, racking up overdraw fees and credit card interest for their profits Without a simple automatic Talley and Sum to show user’s their true, pending balance, customers on this app might as well carry a ledger book in their pocket and pretend it s still 1993.

4 years ago, Rockyonly

Sign-in STILL BROKEN!!!

Yet another update (v6.9.1) and STILL the sign-in process is broken. After deleting the app then reinstalling it I can sign in. But if i sign out or close the app out and try signing back in again it says my password doesn’t match records. If I try turning on passcode or face/Touch ID when I signed on the first time, that also fails and says “password has changed and you must log on with passcode again”. The password did not change though and I STILL get that my CORRECT password doesn’t match when I try to log in again!!! The only way to log into this app is to delete it and reinstall it EVERY TIME I WANT TO USE IT!!! This issue has been a problem for MONTHS now across MULTIPLE VERSIONS and they still have NOT FIXED IT!!! And I’m not the only one either! Just look through these reviews, the majority of the bad one are because of this issue. It’s like the developers just don’t care and only want to work on new features instead of big that keep their users from even USING the app!!!

Description

Bank easy with the Navy Federal mobile app! With a great look and feel, we’ve made the mobile app easier to find information on your accounts and transactions. Breeze through payments, transfers, and check deposits with just a few taps. Quickly sign-in using Touch ID®, Face ID®. Apply for new accounts, become a member, or find your closest ATM or branch. Features: • Safe and Secure. Access your accounts 24 hours a day. • View balances without signing in using our widget. • Pay people using Zelle® or member to member transfers. • Move money between your accounts. • Deposit checks without visiting a branch or ATM. • View scheduled transactions, including pending deposits, upcoming transfers, and bill payments. • Make payments to Navy Federal consumer loans, mortgages and credit cards, or to other companies via Bill Pay. • Apply for new credit cards, auto loans or personal loans, or become a Navy Federal member. • View and manage statements. • Manage your credit or debit cards, including activating cards, signing up for purchase notifications, or freezing misplaced cards. • Security tips and management of your username and password. • Find the nearest branch or ATM. • View rates and info on our loans and savings products, or estimate a payment with a calculator. • Read timely articles to help educate and plan your financial life. To sign in to mobile banking, use your Navy Federal username and password. If you are not a member, apply now using the app or call us at 1-888-842-6328 or 1-703-255-8837. As always, if you have any issues with our app, you can call us at 1-888-842-6328 or 1-703-255-8837, or reach us via Twitter at @NavyFederalHelp. Federally insured by NCUA. iPhone®, iPod Touch® and iPad® are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Message and data rates may apply. Continued use of GPS running in the background can dramatically decrease battery life.