What is a Navy Federal GO Prepaid Card?

Navy Federal GO Prepaid is a reloadable prepaid Visa Card. It can be used everywhere that accepts Visa Debit Cards—that’s millions of locations worldwide. You can add funds anytime online or over the phone from your Navy Federal Debit Card or Credit Card (Visa or Mastercard® only). You can view Visa GO Prepaid Card transactions and check the card balance online or on the Navy Federal GO Prepaid App.

GO Prepaid Card accounts can only be issued to a Navy Federal member age 18+ who has:

  • a valid Social Security Number (SSN) 
  • a Navy Federal Debit or Credit Card (Visa or Mastercard only) in their name to fund the card

A person is considered a member if they're listed as primary owner on a Navy Federal Membership Savings Account. There’s no requirement for additional cardholders to be Navy Federal members, but they must be at least 13 or older and possess a valid SSN. Navy Federal requires that all Navy Federal GO Prepaid Cards be embossed with the cardholder’s name.

Are there age requirements?

Yes, to open a Navy Federal Visa GO Prepaid Card account, the Account Holder must be at least 18 years old. If you wish to add cardholders, they must be at least 13 years old.

How do I activate my Navy Federal GO Prepaid Card?

Sign in to navyfederal.org/mygoprepaid and click “Activate Your card”. Have your Navy Federal GO Prepaid Card in hand. 

Please note that when you first receive your new GO Prepaid card, you'll be required to select a 4-digit PIN.

Can I order another Navy Federal GO Prepaid Card for an additional user?

Yes, provided you're the Account Holder. Only Account Holders can add additional cardholders—up to 5. Cardholders must be at least 13 years of age and have a valid SSN.

Does a cardholder have to be a member?

No, a cardholder doesn't have to be a member of Navy Federal Credit Union. Non-Navy Federal members can be added as long as they're at least 14 years old and have a valid SSN.

Can a cardholder fund the GO Prepaid Card?

No, the Account Holder is the only one who can fund the GO Prepaid card. The funding card must be in the same name as the Account Holder.

How do I make purchases at merchant locations with my Navy Federal GO Prepaid Card?

Using the Navy Federal GO Prepaid Card for a purchase is similar to using a debit card. At the time of purchase, select “CREDIT,” sign the receipt and go! Alternatively, select “DEBIT” if prompted and enter your Personal Identification Number (PIN). The Navy Federal GO Prepaid Card can be used for purchases up to the balance remaining on the Card; it isn't tied to a line of credit. If you've forgotten your PIN, you can change it by signing in to the GO Prepaid website and selecting My PIN, under the My Settings drop-down menu.

Why is the Navy Federal GO Prepaid Card safer than carrying cash?

When cash is lost, it's gone forever. However, if the Navy Federal GO Prepaid Card or card number is ever lost or stolen, you're protected with Navy Federal’s Zero Liability policy. Your card will be replaced, the PIN will remain the same and the balance will be transferred to the new card. The replacement card will arrive within 7 to 10 business days.

How does Text Messaging work?

You and the cardholder may choose to opt in under the registered profile to receive free text messages that will update you on your card activity such as daily available balance, value load and low balance. Please note that message and data rates may apply. You may change your text message options or opt out at any time by editing your Alerts or by texting STOP to 868472 or 288472.

How do I get a Navy Federal GO Prepaid Card?

You can sign up online at navyfederal.org/mygoprepaid.

Whom do I contact if I'm having trouble ordering a GO Prepaid card online?

You can reach us toll free 24 hours a day, 7 days a week at (855) 477-1138. We'd be happy to assist you with any issues you're experiencing.

What payment method can I use to order a Navy Federal GO Prepaid Card?

Account Holders can use their Navy Federal Debit Card or Credit Card (Visa or Mastercard only) to fund their GO Prepaid account; the name on the funding card must belong to the Account Holder. We don't accept any other forms of payment nor any debit or credit cards issued from other financial institutions. While there's no charge for ordering the GO Prepaid card, you must initially fund the card with at least $20. When you order a Navy Federal GO Prepaid Card, you'll be required to enter your funding card information.

Note: When funding the GO Prepaid card with a credit card, the funding transaction is processed as a regular purchase transaction, not a cash advance.

Is there a fee for ordering a Navy Federal GO Prepaid Card?

While there's no charge for ordering the GO Prepaid card, you must initially fund the card with at least $20.

How long will it take to receive a Navy Federal GO Prepaid Card?

After placing your order, please allow 7 to 10 business days for Standard Delivery. For Express Delivery, allow 3 to 4 business days.

Note: Each card has a $5.00 express delivery charge. Delivery time frames cannot be guaranteed for FPO/APO addresses.

How do I sign up a new cardholder?

Once you've received your card, sign in to your GO Prepaid account and select "Additional Cards" under the "My Settings" drop-down menu, then select "Order Additional Card". Enter the cardholder's information in the required fields, select the shipping method and select "Continue". Review the information entered for accuracy and then select "Submit".

Note: To order a new cardholder’s card, you’ll need the new cardholder’s SSN, date of birth and address.

Can I mail a Navy Federal GO Prepaid Card to the cardholder’s address?

Yes, cards can be mailed via standard or express shipping to either you or directly to the cardholder. A signature isn't required for the card(s) to be delivered.

Note: Each card has a $5.00 express delivery charge. Delivery time frames cannot be guaranteed for FPO/APO addresses.

What should I do if the Navy Federal GO Prepaid card never arrives? 

If you don't receive your Navy Federal GO Prepaid Card within 10 business days of the purchase date, please call (866) 304-1909.

How does the Navy Federal GO Prepaid Card work?

Since it’s a prepaid card, spending is limited to the amount of money you load onto the card. When you make a purchase with the Navy Federal GO Prepaid Card, the amount deducts from the card balance. When the balance is low or depleted, you can reload the card using your Navy Federal Debit Card or Credit Card (Visa or Mastercard only).

Do I have to accept the Terms and Conditions? 

Yes. Using your Navy Federal GO Prepaid Card signifies that you accept the Terms and Conditions.

Are there any fees associated with a Navy Federal GO Prepaid Card? 

Yes, see fees below.

Fee Name Amount
Card Purchase Charge $0
ATM Withdrawal or Balance Inquiry (in-network) - Navy Federal-owned ATMs and those within the CO-OP Network®. Locations can be found on our locator page. $0
Visa/PLUS® Network ATM Domestic and Foreign Cash Withdrawal and Balance Inquiry (the terminal owner may charge additional fees and “surcharges” for ATM transactions) $1 per transaction
Lost/Stolen or Replacement Fee $5
Express Delivery Fee $5
Inactivity Fee (after 6 months of inactivity) $1 per month
Visa ReadyLink - Fees of up to $5.95 may be charged by the retailer. Locations can be found at usa.visa.com/pay-with-visa/cards/services-locator.html. $5.95
Visa Money Transfer $0
Text Messaging (message and data rates may apply) $0
Transactions Made in Foreign/International Countries in U.S. Dollars or Foreign Currency 1%

All fees will be debited from the remaining card balance. For initial card orders, the Express Delivery Fee will be assessed on the funding card.

Is there a fee for using the card internationally?

Yes. Transactions made in foreign/international countries will reflect on your Visa GO Prepaid Card in U.S. dollars. In addition, these foreign/international transactions will be charged a Visa International Service Assessment Fee. This fee will be identified separately from the transaction amount on your online statement as an International Transaction Fee. The fee will be assessed on Point of Sale and ATM transactions as follows:

Transactions made in foreign countries in U.S. dollars or foreign currency will be charged 1.0% of the transaction amount.

Transactions originating on U.S. military bases, embassies, consulates and territories are excluded from the Visa International Service Assessment Fee.

Can I use the Navy Federal GO Prepaid Card at an ATM? 

Yes, the card can be used at ATMs.

Is there a fee for withdrawing cash from an ATM? 

A list of free ATM locations can be found at navyfederal.org/branches-atms.html. If you use your card at other ATMs, including those displaying the Visa/PLUS logos, we'll charge a $1.00 fee. Plus, the terminal owner may charge additional fees and “surcharges” for ATM transactions.

Who can use the card? 

Only the person whose name appears on the card can use the card.

How do I add money to the card? 

Adding money to the Navy Federal GO Prepaid Card is the quick and easy way to make sure you have money for everyday uses, travel and emergencies.

Just sign in to navyfederal.org/mygoprepaid or your Navy Federal GO Prepaid App anytime, 24 hours a day, 7 days a week. Remember to verify transfer of the funds before you use the card.

What is Visa ReadyLink? 

Visa ReadyLink gives you an additional and convenient way of adding value to your Navy Federal GO Prepaid Card and immediate access to those funds. You can find participating Visa ReadyLink Locations near you by signing in to the GO Prepaid website and selecting "Reload Locator" under the "Fund My Card" drop-down menu. Present your card, along with the funds to be loaded to the cashier, at any Visa ReadyLink location. Your card will be swiped, and your funds will be applied. The cashier will provide you with a receipt, and you’ll have immediate access to your funds.

Are there any transaction fees associated with Visa ReadyLink? 

Navy Federal doesn't charge you a fee for using this service. Some retailers may charge a fee to load value to the card. Each participating provider and retailer establishes these fees, if any, independently.

The merchant couldn’t process a reload via Visa ReadyLink on my card. What happened? 

If the participating Visa ReadyLink merchant couldn't add funds to your Navy Federal GO Prepaid Card, your load request was most likely not approved. You may have exceeded the daily load limit or the total balance on the card. Merchants may also place limits on the frequency of loads.

What is Visa Money Transfer? 

Your card is eligible to receive funds through Visa Money Transfer from participating financial institutions. Navy Federal Credit Union isn't an originator of Visa Money Transfer; therefore, you cannot initiate a Visa Money Transfer from your Visa GO Prepaid Card to another card.

Why is it so important to always know the balance on the card? 

Merchants cannot tell how much money is on the card until you try to make a purchase. Any attempt to make a purchase for an amount that's greater than the cardholder’s available balance will be declined. It's important for the cardholder to keep track of their available balance to help avoid this situation.

You can use a second payment method (cash, check, or a credit or debit card) in combination with the Navy Federal GO Prepaid Card to make a purchase greater than the balance on the card. It’s okay for the card to fully deplete funds. If this happens, simply follow the appropriate steps to replenish the card.

What if a merchant puts an item through that exceeds the available balance? 

Negative balances can occur if a merchant posts a pending transaction and there are nonsufficient funds. In these rare circumstances where nonsufficient funds occur, you'll be notified to load more funds onto the card. Navy Federal reserves the right to close card(s) that remain negative. If you make a purchase that exceeds the available balance on the card, you're responsible for the amount of the purchases approved or the cash withdrawn. We recommend checking the balance on your card before using it.

How do I find out the card balance? 

You can check the card balance by signing in to navyfederal.org/mygoprepaid or the Navy Federal GO Prepaid App.

Do merchants ever tie up more funds than the intended purchase price? 

It's important to know that some merchants like restaurants and fuel stations “reserve” more money than you may actually plan to spend. They do this to cover variable costs like tips or a tank of gas. Within 3 to 7 days, the “reserve” cancels and the funds become available again on the Navy Federal GO Prepaid Card.

We caution against using your card at automated fuel pumps since the transaction could result in a decline or an inconvenient hold on available funds, which could last several days. Instead, we recommend prepaying for your gas purchase in person with your card at the cashier.

What if the Navy Federal GO Prepaid Card is lost or stolen? 

You should call (866) 304-1909 immediately. Your replacement card will arrive in 7 to 10 business days. The PIN will remain the same, and the balance will transfer to the new card.

What if I've forgotten my PIN? 

You can change your PIN by signing in to the GO Prepaid website and selecting "My PIN" under the "My Settings" drop-down menu.

Can the Navy Federal GO Prepaid Card ever be suspended? 

You can suspend the card at any time, for any reason. The Navy Federal GO Prepaid Card cannot be used again until you reactivate it. This can be done by signing in to your account on the website and selecting "Suspend Card" under the "My Settings" drop-down menu. Additionally, you can suspend your card via the Navy Federal GO Prepaid App under "Account Settings" or by calling (866) 304-1909.

What if I want to close my Navy Federal GO Prepaid Card? 

You can close your Navy Federal GO Prepaid Card via the website or by calling (866) 304-1909. Please keep in mind that once you've permanently closed your card, you cannot re-activate or re-open it. Although you can no longer use the Navy Federal GO Prepaid Card, it will remain active for 30 days so all pending transactions have posted; the available balance will be credited to your funding account. For refunds issued after card closure, please contact us at (866) 304-1909 and a representative will assist with submitting a request to return the funds back to the Account Holder’s funding account.

What if I want to close the Cardholder’s Navy Federal GO Prepaid Card? 

You can close the Cardholder’s Navy Federal GO Prepaid Card by signing in to your profile on the website (navyfederal.org/mygoprepaid). Additionally, you can call (866) 304-1909 to speak with a representative. Please keep in mind that once you've permanently closed the cardholder’s Navy Federal GO Prepaid Card, you cannot re-activate or re-open the card.

How can I ensure my account information is secure? 

All information given to Navy Federal is secure and strictly confidential. To access your card via the Web, your username and password are required. Once the user is signed in, extra security measures make private information unreadable as it passes over the internet.

Will you check my credit rating? 

Since the Navy Federal GO Prepaid Card doesn't offer a line of credit, we don't check credit ratings.

What do I do if my Navy Federal GO Prepaid Card is expired and I still have a balance? 

A renewal Navy Federal GO Prepaid Card is sent to the address of record 2 months prior to the existing card’s expiration date. Your existing card will remain active until the last day of the month in which the card expires. Please destroy your current card once you receive the renewal card. If you haven't received your reissued Navy Federal GO Prepaid Card by the end of the month, you should call (866) 304-1909. It's important to regularly update your information to ensure a renewal card will be delivered. Cardholder accounts with no activity and a zero balance will be closed after 730 days of inactivity.

How long can I use my Navy Federal GO Prepaid Card? 

Your card is valid through the expiration (“Good Thru”) date of 3 years shown on the card. Any transaction attempted after the expiration date will be declined. We'll mail a replacement Navy Federal GO Prepaid Card to the address on record 2 months prior to your card expiring. Remember to always keep your personal information up to date.

Will I receive a monthly statement? 

You'll receive an email advising when your monthly statement for your GO Prepaid Card is available to view online. You can view your monthly statements and balances anytime online at navyfederal.org/mygoprepaid.

Note: Navy Federal ONLY sends Visa GO Prepaid Card statements electronically. Please disregard any notifications that refer to changing your statement options, as statements are only sent electronically.