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Protect Your Checking Accounts

Navy Federal offers checking protection options to make sure you're covered.

3 Types of Coverage

Whether it's a simple checkbook miscalculation, car repairs, medical expenses or unexpected travel, we understand that life happens. Navy Federal offers checking protection options to make sure you're covered.

Savings Transfer

Covers overdrafts by automatically moving money from savings to checking.

  • Free of charge
  • Automatically set up for you when you open your checking account
  • Requires funds to be available in the Membership Share Savings account for the full transaction amount

Checking Line of Credit1

Protects your checking account from overdrafts and denied transactions.

  • Coverage for large or unexpected expenses
  • Low interest rates ranging from 13.9% to 17.9% APR2
  • No per-item overdraft fees

Sign in to digital banking* or call 1-888-842-6328 to apply.

Optional Overdraft Protection Service (OOPS)

Covers overdrafts from checks, ATM withdrawals, Automated Clearing House (ACH) transactions (including automatic bill payments) and debit card transactions.

  • $20 fee for each overdraft
  • No fee on transactions of $5 or less, or if your total overdrawn balance is less than $15
  • Maximum of 1 overdraft fees charged per day (additional charges will be covered up to the maximum amount)
  • Total overdrafts limited to $500, plus fees
  • 30 days to bring the account to a positive balance3
  • No credit approval required

Sign in to online banking to opt in:

  1. Click the "Account Services" tab
  2. Find the "Checking & Savings" section
  3. Click "Optional Overdraft Protection Service"

You can also call us at 1-888-842-6328 or mail/fax us the OOPS Opt In form PDF.

Checking Resources

View MoreChecking Resources



Generally, credit lines are $500. Additional amounts may be available to applicants who have certain relationships with us, such as long-term members, Active Duty members and/or members with direct deposit.


Rates subject to change and are based on creditworthiness. Repayment terms of 2% of outstanding balance or $20, whichever is greater.


For more information on OOPS, Terms and Conditions are available.