Our Response to COVID-19

Updated as of March 19, 2021 1:30 pm, ET

We understand that the things most important to you during these uncertain times are help, guidance and the ability to find the information you need in one place. Here’s an outline of what help is available to you and the precautions we’re taking.

Stimulus Payments

We're processing stimulus payments from the IRS as we receive them. We encourage you to set up deposit alert notifications in our mobile app* or online banking so you’ll know when they’re deposited. If you'll receive a check instead of a direct deposit, it will be mailed to the address listed on your most recent tax return. Visit the IRS website or our Frequently Asked Questions page for updates or more information.

For those who want to check their status or locate a missing payment, consult the IRS' Get My Payment tool.

Learn More about getting your payment

We’re Here to Help

We were founded with a commitment to support our members in all types of economic environments, and we know how important it is to band together.


For payment options and refinance questions: Call the Student Loan Center: 1-877-304-9302

Learn More about student loan relief options

Auto Loans

  • Loan extensions (defer payments): If you’ve missed a payment, sign in to see your options1
  • Loan late fee refunds: eMessage us


  • Rate Locks: We’ll honor your locked rate no matter how long it takes to close your loan
  • Mortgage Relief Options are available

Credit Cards

  • Extensions (defer payments): If you’ve missed a payment, sign in to see your options1
  • Credit card late fee refunds: eMessage us

Checking and Savings Accounts

  • We offer overdraft protection on all accounts
  • Mobile deposit limit increase: up to $50,000 per day

Tax and Retirement/Education Savings Information

New CARES Act provisions may affect you:

  • New Federal income tax return deadline is July 15, 2020
  • Withdrawal rules on IRAs and ESAs have changed

Business Solutions

Staying Secure—Beware of the Bait

Scammers are taking advantage of the COVID-19 situation to try to lure people into revealing personal and financial information. But, you can protect yourself by learning what to look for.

Branch Hours and Options for Self-Service

You can check for branch closures or reduced hours and search our network of fee-free ATMs for one nearby. We’re also available by phone at 1-888-842-6328.

Sign in to the Navy Federal mobile app or online banking to:

  • send or receive money
  • make payments
  • make deposits (up to $50,000 per day)
  • apply for certain loans
  • increase your credit card limit
  • check your account balance
  • report fraud

Visit a network ATM to:

  • transfer money
  • make a deposit
  • withdraw cash or get a cash advance
  • make payments

Accessing and Sending Money

No matter what your circumstances, when money is tight, we want you to know you have options in this environment.

Increased withdrawal limit on Non-Navy Federal ATMs. Now, when you visit an ATM not owned by Navy Federal, you’ll be able to withdraw up to $1,000 per day. The limit for Navy Federal ATMs remains the same at $1,000 per day.

Helping You Help Others. To make it easier for you to help your friends and family, here are some fast options.

  • Free digital transfers. Use our app for member-to-member or Zelle® transfers.

Branch Precautions

We continue to follow guidance from the Centers for Disease Control (CDC), as well as federal, state and local agencies. If you need to visit one of our open branches, rest assured we’re taking precautions, including:

  • requiring employees and members to wear a face covering in all Navy Federal branches
  • regularly disinfecting areas where transactions occur
  • adjusting branch hours and services, if needed, based on the local environment. Although some of our open branches are operating on more limited hours, many are open for at least 30 hours a week. Check for the latest information on branch closures and for branch hours or our nationwide network of fee-free ATMs.
  • temporarily suspending educational events and seminars—visit MakingCents for articles and self-paced learning on topics such as improving your finances, navigating auto loans, buying a home and saving for retirement
  • increasing social distancing measures by limiting the number of members in a branch at one time. For increased protection, we’ll match the number of members admitted to a branch to the number of employees. (For example, if there are 5 employees on-site, we’ll admit 5 members at a time.) You may have to sign in outside of the branch, provide your mobile phone number and return to your vehicle. We'll call when it's your turn to enter the branch.

Working With Employees

We're providing opportunities for employees to telework and are taking extra precautions to ensure our workspaces are as clean and safe as possible. We’re supporting our team members who are impacted by the closures of schools and daycare centers with paid leave.

Our Mission and Commitment to You

As our nation deals with this situation, your Navy Federal team remains committed to serving you and your families while reducing and minimizing exposure to any health threats.



Subject to our eligibility criteria.