2-Step Verification

Securing Your Accounts

Your security is a top priority—that’s why we’ve added 2-Step Verification to your sign in process. With 2-Step, you’re 3X more likely to avoid fraud.


2-Step is a deeper layer of protection for signing in. After completing your usual sign in process, you’ll be prompted to enter a security code or tap a push notification sent to one of your remembered devices. This is the second step. Then you’ll be able to access your accounts.


By asking you to complete this second step, we’re double-checking your identity. 2-Step makes it much harder for defrauders to access your account because they’d need your username, password and access to your email or remembered device. It’s one more way we’re working to protect your accounts.

Need help? Check out Frequently Asked Questions.

How to Complete 2-Step Verification Using Text

Mobile Banking

  1. Sign in to the mobile app.
  2. Select Text Message as your 2-Step Verification method, then tap Send.
  3. Check your text messages for the NFCU security code.
  4. Back in the Navy Federal app, enter the security code and tap Submit.
  5. When prompted, tap Remember Device for a faster and more secure sign in.

Online Banking

  1. Sign in to online banking.
  2. Select Text Message as your 2-Step Verification method.
    Check the box to remember your browser so you don’t have to complete 2-Step every time you sign in.
  3. Click Verify Me.
  4. Check your text messages for the NFCU security code.
  5. Back in online banking, enter the code and click Confirm.