Our Response to COVID-19

Updated as of April 7, 5:00 pm, ET

Since 1933, our mission has been serving members, and although times have changed, our commitment to helping our members hasn’t. 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. That’s why we’ve pulled together a simple outline of what help is available to you and the precautions we’re taking.

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.

Have a question? Find answers to our most frequently asked questions.


  • Contact us for possible options:
    Loan extensions and deferred payments

Credit Cards

  • Credit card limit increases: Apply in our mobile app*
  • Credit card late fee refunds: eMessage us

Checking and Savings Accounts

  • Overdraft and non-sufficient funds (NSF) fee refunds: eMessage us
  • Mobile deposit limit increase: up to $50,000 per day

Business Solutions

  • CARES Act Paycheck Protection Program (PPP) loans: Details on how to apply are available on our FAQs page.
  • We’ve placed a temporary hold on accepting new business membership applications.


  • Rate Locks: In light of external COVID-19-related closures and delays, you may experience a longer than normal closing time for your mortgage. We’ll honor your locked rate no matter how long it takes to close your loan.
  • Possible assistance options: Contact us

Accessing and Sending Money

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

  • No early withdrawal penalties on certificates. We understand you might need access to your savings, so we’ll be waiving penalties for early withdrawals on certificates.2
  • Free overnight shipping on cashier's checks3 and debit cards. Get what you need delivered to your home.
  • 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.
  • No cash transfer fees. We're waiving cash transfer fees.

Options for Self Service

Our mobile app* and online banking allow you to check balances, pay bills, make mobile deposits about mobile deposits, transfer money about transfer money and more—24/7. If you don’t already have our app, download it now about mobile apps. Plus, we have a network of fee-free ATMs about ATMs nationwide and are 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

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:

  • 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 35 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 about 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.


1 Loan approval and terms are subject to creditworthiness.

2 Effective as of 3/18/20. Excludes withdrawal requests made within seven days of opening a new certificate.

3 All FedEx delivery fees incurred will be waived or refunded.