Freeze Your Credit or Debit Card in Seconds

Misplaced Your Card?
Freeze It Now.

Temporarily Misplaced Cards Can Be Frozen

If you've ever reached for your wallet to discover your card isn't where you thought it was—this new feature is for you. Now, when you temporarily misplace your Navy Federal Credit or Debit Card, you can freeze the card while you locate it. Once you locate the card, you can unfreeze it in seconds on the mobile* app and continue using it as you did before it was frozen.

Freezing your card isn't a notification that your card is lost or stolen, or that there have been unauthorized transactions on your account. It's simply a way to confirm no transactions can be made until you find your card. If your card is lost or stolen, or if you notice unauthorized transactions, please call 1-888-842-6328 immediately.

How to Freeze and Unfreeze From Your Mobile App

Once signed in to the app:

1

From the "Accounts" page, tap the corresponding checking account or credit card account.

2

From the "Account Details" page, tap the arrow displayed next to "Current Balance" to view Account Management features.

3

Under Debit or Credit Card Management, tap "Freeze Card."

4

A review screen will appear with the card's last four digits and detailed information regarding what type of transactions will not be authorized.
Tap "Freeze" to continue.

5

A confirmation screen will appear confirming the card is frozen.

6

To unfreeze the card, navigate to the "Account Details" page and tap "Unfreeze Card" to resume using the card as normal.

Frequently Asked Questions

When should I freeze my credit or debit card?

When you temporarily misplace your credit or debit card, you can freeze access until you find your card. Once you locate the card, you can unfreeze it in seconds on the mobile app and continue using it as you did before it was frozen.

What do I do if I lose my card or suspect it’s been stolen?

If your card is lost or stolen, or if you notice unauthorized transactions, please call 1-888-842-6328 immediately. Freezing your card doesn't serve as a notice that it's lost or stolen, or that an unauthorized transaction has posted to your account.

Who can freeze their cards?

Only primary and joint cardholders may freeze their individual cards. Authorized users and Business Account cardholders can’t freeze their cards at this time.

Does freezing my card freeze all card numbers on the same account?

No. Freezing your card number does not freeze other card numbers that access the same account. If you wish to freeze other cards that access the same account, you must call 1-888-842-6328 or instruct the other card users to freeze via their mobile app.

What happens to my recurring card charges when I freeze my card?

Merchant-indicated recurring card charges will still be processed as normal. A recurring charge is considered merchant-indicated if the merchant sends us a charge with a code that identifies the charge as recurring. Without the code, the charge will be rejected during a freeze. You won’t be able to set up new recurring card charges until you unfreeze your card.

What happens when I freeze my credit or debit card?

Freezing your credit card stops the following transactions until you unfreeze your card:

  • Purchases
  • Cash advances
  • Balance transfers

While your credit card is frozen, the following transactions are allowed:

  • Returns
  • Credits
  • Dispute adjustments
  • Payments toward your balance
  • Set travel notifications
  • Review and redeem rewards
  • Charge interest
  • Order a replacement card
  • Merchant-indicated recurring card charges

Freezing your debit card temporarily stops the following transactions until you unfreeze your card:

  • Purchases
  • ATM withdrawals

While your debit card is frozen, the following transactions are allowed:

  • Returns
  • Credits
  • Dispute adjustments
  • Deposits
  • Set travel notifications
  • PIN changes
  • Order a replacement card
  • Write checks
  • Withdraw money at a branch office
  • Merchant-indicated recurring card charges

Does my account number change when I freeze or unfreeze my card?

No. Your account number doesn’t change when you freeze or unfreeze your card.

How often can I freeze or unfreeze my credit or debit card?

You can freeze or unfreeze your card as many times as you need through the mobile app.

Is there a time limit on how long the freeze will remain on the card?

No. The card will remain frozen until you unfreeze it through the mobile app.

How is freezing or unfreezing my card related to activating my card?

Freezing and unfreezing your card doesn't affect your card's activation status in any way. In fact, you can repeatedly freeze and unfreeze a newly received card before even activating it. If you've just received a card from us, follow the instructions to activate it, and then make sure it's not frozen. Then you can begin using it immediately.

Does the freeze status of my card carry over if I receive a new or replacement card?

If you order a new or replacement card, the 16-digit card number will be different from your old card and the freeze status won't carry over to the new card. However, if your existing card is renewed, you'll receive a card with the same 16-digit card number as your existing card, and the freeze status will carry over.