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Navy Federal NMCRS Visa® Prepaid Card
What is a Navy Federal/NMCRS Card?
The Navy Federal/NMCRS Card is welcome everywhere Visa Debit Cards are accepted in the United States (U.S. territories are excluded). Navy Federal/NMCRS Cards are distributed with a set amount of funds that can be used for multiple purchases as long as value remains on the Card (not for alcohol, pornography, gambling or firearms).
How does my Navy Federal/NMCRS Card work?
You can use your Card to pay for purchases at millions of places that accept Visa Debit Cards in the United States (U.S. territories are excluded). The Card’s initial value is set by the NMCRS. Additional funds can't be added later.
How to use your card:
Before making your first purchase, sign the back of the Navy Federal/NMCRS Card.
When ready to pay, select CREDIT and sign the receipt. Or, select DEBIT, if prompted, and enter your PIN.
Each time you make a purchase, the amount is automatically deducted from the Card balance. It’s important to keep track of your balance. The Card doesn’t offer a line of credit like a credit card.
How do I activate, register and create a PIN for my Navy Federal/NMCRS Card?
When you receive your Card from the NMCRS, they will activate it for you.
You can check the balance of your Card, select a PIN and conduct other transaction inquiries by visiting our NMCRS Card page, entering your username in the “Username” field and clicking “Sign In”. If you haven't created a username for your Card, select “Need Username?” under the “Username” field.
To create a PIN, sign in and select “My PIN” under the “My Setting” drop-down menu.
Why should I register my Navy Federal/NMCRS Card?
Registering your Navy Federal/NMCRS Card has several benefits:
Enables you to make purchases online and by phone. Most online retailers don’t accept payments without a valid "billing" address.
Lets Customer Service Representatives assist you more quickly when you need help.
Protects you if your Card is ever lost or stolen, so you can be reimbursed for unauthorized purchases.
What should I do if my Navy Federal/NMCRS Card is lost or stolen?
Report a lost or stolen Card immediately by calling 1-866-906-4168. You may also write to us at Visa Debit Processing Service, P.O. Box 026098, Miami, FL 33103. If you tell us within 2 business days after you discover the loss or theft of your Card, you won’t be liable for losses if your Card was used without your permission. If you don’t tell us within 2 business days, you may be liable.
To request a replacement Navy Federal/NMCRS Card, you’ll need to provide the entire Card number for it to be canceled and a replacement issued.
To ensure authorized use of your Navy Federal/NMCRS Card, be sure to sign the back of the Card before using.
How do I determine the value of my Navy Federal/NMCRS Card?
The initial value is printed on the front of the Navy Federal/NMCRS Card. To check your balance online, visit our NMCRS Card page, enter your username in the “Username” field and click “Sign In”. If you haven't created a username for your Card, select “Need Username?” under the “Username” field.
It's important to know your remaining balance before you make a purchase. Your purchase could be denied if it's greater than your balance. Keep a record of your purchases and remaining balance.
What should I do with my Navy Federal/NMCRS Card once the value is depleted?
You should keep your Card until you know you won’t be returning anything you purchased with it. If you try to make a return, the store may require you to present the Card you used to make the purchase. Once you’re sure there’s no further need, destroy the Card.
How do I make a purchase with my Navy Federal/NMCRS Card?
Using your Navy Federal/NMCRS Card is similar to using a debit card. When you’re ready to pay, select CREDIT, sign the receipt and you’re all set. Or, select DEBIT, if prompted, and enter your PIN.
Each time your Card is used for a purchase, that amount is automatically deducted from your balance. It’s recommended that you know your balance before making a purchase because some merchants won’t be able to provide that information.
What if I want to purchase an item that costs more than the balance on my Navy Federal/NMCRS Card?
To make a purchase in an amount greater than the available balance, you‘ll need to use a second form of payment to cover the difference.
Tell the cashier the amount you’d like applied to your Navy Federal/NMCRS Card, then pay the balance with your second payment method.
What if I change my mind and want to cancel a purchase?
Let the cashier know you want to cancel the purchase. If the merchant cancels a transaction after it was processed, it will take 3 to 7 days for the authorization hold to be removed from your Card and the funds to become available again.
What if I need to return an item that I purchased with my Navy Federal/NMCRS Card?
If you decide to return merchandise purchased with your Navy Federal/NMCRS Card, you may be asked to present the Card to process that return. Be sure to hold onto your purchase receipts and your Card—even after the balance is depleted. If store policy is to credit the Card used to make a purchase, it will take 3 to 7 days to be added back to the available balance on the Card. When returning an item purchased online, you may need to provide your Navy Federal/NMCRS Card number.
How long can I use my Navy Federal/NMCRS Card?
The funds on your Navy Federal/NMCRS Card will be terminated on the first day of the second month after disbursement. You can make purchases using your Card until the first day of the second month after disbursement or the full value of the Card is depleted. Any transaction attempted after that date will be declined.
Example: Cards disbursed in January will be closed on March 1st. Cards disbursed in February will be closed on April 1st.
Where can I use my Navy Federal/NMCRS Card?
You can use your Navy Federal/NMCRS Card at millions of places that accept Visa Debit Cards, including retail stores, online merchants and over the phone. Navy Federal/NMCRS Cards are only valid in the United States (U.S. territories are excluded).
Your Navy Federal/NMCRS Card can't be used overseas; to purchase alcohol, firearms, gambling or pornography; or for recurring bill payment transactions.
Why is my actual balance different from my available balance?
Your available balance reflects purchases that have been authorized but haven’t cleared your account. Your actual balance reflects all purchases that have cleared.
Can I use my Navy Federal/NMCRS Card at more than one merchant?
Yes. You can use your Navy Federal/NMCRS Card anywhere Visa Debit Cards are accepted in the United States (U.S. territories are excluded).
Can I use my Navy Federal/NMCRS Card at gas stations?
Yes. We caution against using this Card at an automated fuel pump, as the transaction may be declined or a hold may be placed on available funds for several days. In this situation, we recommend pre-paying for fuel with the cashier.
Can I use my Navy Federal/NMCRS card for online or phone purchases?
Yes. To make an online or phone purchase, you’ll need to register your Card by visiting our NMCRS Card page, entering your username in the “Username” field and clicking “Sign In”. If you haven't created a username for your Card, select “Need Username?” under the “Username” field.
After signing in, select “My Profile” under "My Settings" and enter your name, address and phone number.
When you make an online or phone purchase, the name, address and phone number you use must be exactly the same as the information you provided when registering your Card. If the information is different, the transaction may be declined.
Can I use my Navy Federal/NMCRS Card at an ATM?
Yes, the Card can be used at ATMs.
Is there a fee for withdrawing from an ATM?
If you use your Card at other ATMs, including those displaying the Visa/PLUS® logos, the terminal owner may charge additional fees and “surcharges” for ATM transactions. To avoid fees, use one of our free ATMs.
What if I have forgotten my PIN?
If you’ve forgotten your PIN, visit our NMCRS Card page, enter your username in the “Username” field and click “Sign In”. If you haven't created a username for your Card, select “Need Username?” under the “Username” field.
Once signed in, select “My PIN” under the “My Settings” drop-down menu, and then select “Forgot PIN”.
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