To continue enjoying all the features of Navy Federal Online, please use a compatible browser. You can confirm your browser capability here.

Is my family eligible to join Navy Federal?

Family and household members (including roommates) of current Navy Federal members are eligible to join. Immediate family includes: 

  • Parents
  • Grandparents
  • Siblings
  • Children (including adopted and stepchildren) 
  • Grandchildren

For more information, visit our Membership Eligibility page.

What information do I need to provide if I'm being sponsored for membership by a relative or household member?

In addition to the personal information you'll need to supply for yourself, you'll need need to provide your sponsor's last name, Access Number and relation to you (i.e. spouse, grandfather). If you're unsure of their Access Number, you may use the last 4 digits of their Social Security Number and their date of birth.

What are the advantages of digital banking*?

Digital banking gives you quick, direct access to your funds. Access your accounts and automate your finances using online banking or our mobile app to quickly and easily manage your money on the go. Explore these easy and convenient features we offer:

When will I receive my debit card?

If you open your checking account online or over the phone, we’ll mail your debit card to the address listed on your application within 1 business day. Actual delivery of the card depends on postal service in your area. You can also open a checking account in a branch and receive your debit card while you’re there.

I’ve received my debit card. How do I activate it?

Activate your debit card by calling 1-888-842-6328 or by signing in to your account via digital banking. Learn more about the features and functions of your new debit card.

How do I add funds to my savings account?

You can fund your savings account via digital banking, at a branch or ATM, by mailing a check or by calling us at 1-888-842-6328. Learn more about savings account options at Navy Federal.

Can I have more than one savings or checking account?

There’s no limit to the number of savings or checking accounts you can have.

How do I add a joint owner to my account?

If you’re opening your membership with a joint owner or co-applicant, they must be present during the enrollment process in order to validate their identity. If they’re not available, you can initially open your account as an individual and then request an application to add them later.

How many joint owners can I have on a savings or checking account?

You can have up to 3 joint owners on a savings or checking account.

Are joint owners considered members of Navy Federal?

No. A joint owner shares access to your account but isn't necessarily a member of Navy Federal. To become a member, you or one of your family or household members must have ties to the armed forces, DoD or National Guard.

What does joint ownership with survivorship mean?

If one of the owners of the account dies, the remaining owner will inherit the deceased party’s share. Without survivorship, if the primary owner of the account dies, their share passes to their estate or heirs. If the joint owner dies, their share will pass back to the primary owner.

Still have questions? Visit a branch or give us a call at 1-888-842-6328.

Join Navy Federal Today



Zelle® is available to bank account holders in the U.S. only. To receive money in minutes, the recipient's email address or U.S. mobile number must already be enrolled with Zelle®. Zelle® and the Zelle®-related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Note: This service is not intended to replace the current member-to-member transfer options Navy Federal offers. It is available for members who do not have the option to complete an internal transfer or an ACHO (Automated Clearing House Operation) with an account and routing number. Members can also send funds to non-Navy Federal members.