Eligibility
Is my family eligible to join Navy Federal?
Family and household members (including roommates) of current Navy Federal members are eligible to join. Immediate family includes:
- Parents
- Grandparents
- Siblings
- Children (including adopted and stepchildren)
- Grandchildren
For more information, visit our Membership Eligibility page.
What information do I need to provide if I'm being sponsored for membership by a relative or household member?
In addition to the personal information you'll need to supply for yourself, you'll need need to provide your sponsor's last name, Access Number and relation to you (i.e. spouse, grandfather). If you're unsure of their Access Number, you may use the last 4 digits of their Social Security Number and their date of birth.
Getting Started
What are the advantages of digital banking*?
Digital banking gives you quick, direct access to your funds. Access your accounts and automate your finances using online banking or our mobile app to quickly and easily manage your money on the go. Explore these easy and convenient features we offer:
- Never miss a payment with free, online Bill Pay.
- Easily transfer money to another member. Transferring money to non-members? Zelle®1 makes it easy to send money to family and friends in minutes.
- You can deposit checks into your account safely and securely with Mobile Deposit.
When will I receive my debit card?
If you open your checking account online or over the phone, we’ll mail your debit card to the address listed on your application within 1 business day. Actual delivery of the card depends on postal service in your area. You can also open a checking account in a branch and receive your debit card while you’re there.
I’ve received my debit card. How do I activate it?
Activate your debit card by calling 1-888-842-6328 or by signing in to your account via digital banking. Learn more about the features and functions of your new debit card.
How do I add funds to my savings account?
You can fund your savings account via digital banking, at a branch or ATM, by mailing a check or by calling us at 1-888-842-6328. Learn more about savings account options at Navy Federal.
Can I have more than one savings or checking account?
There’s no limit to the number of savings or checking accounts you can have.
Joint Ownership
How do I add a joint owner to my account?
If you’re opening your membership with a joint owner or co-applicant, they must be present during the enrollment process in order to validate their identity. If they’re not available, you can initially open your account as an individual and then request an application to add them later.
How many joint owners can I have on a savings or checking account?
You can have up to 3 joint owners on a savings or checking account.
Are joint owners considered members of Navy Federal?
No. A joint owner shares access to your account but isn't necessarily a member of Navy Federal. To become a member, you or one of your family or household members must have ties to the armed forces, DoD or National Guard.
What does joint ownership with survivorship mean?
If one of the owners of the account dies, the remaining owner will inherit the deceased party’s share. Without survivorship, if the primary owner of the account dies, their share passes to their estate or heirs. If the joint owner dies, their share will pass back to the primary owner.
1
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. Note: This service is not intended to replace the current member-to-member transfer options Navy Federal offers. It is available for members who do not have the option to complete an internal transfer or an ACHO (Automated Clearing House Operation) with an account and routing number. Members can also send funds to non-Navy Federal members.
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Step 1
Have a frank and honest discussion about both of your financial situations, including past and present debts, spending habits and current savings. In addition to an initial conversation, continue to be transparent with one another about your finances.
Step 2
After you've identified where you both are financially, set goals for where you want to be in the future. Do you want to buy a home? What about saving for retirement or going back to school? Create a budget for yourselves to meet those goals while you work toward paying off any immediate, high-interest debts.
Step 3
As you discuss history and goals, consider if you'll maintain any joint accounts or if you'll keep your money separate. There isn't a one-size-fits-all solution. Only you and your spouse can make the call on your account-management arrangements. Whatever you choose to do, know that you can change the arrangement at any time as life changes dictate.
Step 4
A change in your marital status can affect your taxes. Take time to familiarize yourself with these IRS tax tips for newlyweds so you know what to expect.
Our financial advisors work on-site in more than 150 branches and are available by phone nationwide. Call or visit a branch to speak to an advisor near you today.
Find a financial advisor near you
It's important to keep sight of your financial goals. Let us help with our free confidential personal finance counseling. It's available to all members at any time.
Learn More about our personal finance counseling services
Make the Most of Your Membership
Now that you're married, bring your bride or groom into the Navy Federal Credit Union family! Share the gift of membership with your spouse and in-laws.
Learn Moreabout Share Membership
If you want to add your spouse as a joint owner on your existing Navy Federal accounts, you'll need to fill out a Change of Information/Add Joint Owner form.
Learn Moreabout Add a Joint Owner