Where & How to Use Your Card

Where Your Cards Are Accepted

Your Navy Federal Debit Card can be used to make purchases at millions of locations worldwide, wherever Visa® Debit Cards are accepted.

Both your debit card and CUCARD can be used at all Visa/PLUS® System ATMs. Navy Federal and CO-OP Network® ATMs can be found on some U.S. military bases overseas. Please note: CUCARD POS transactions overseas via the Interlink® network are limited to commissaries, AAFES, Navy Exchanges and USPS locations on U.S. military bases only.

Using Navy Federal Debit Cards Worldwide

Your Navy Federal Debit Card can be used to make purchases at millions of locations worldwide, wherever Visa Debit Cards are accepted.

If a merchant refuses to accept your card, stating that it's not "chip and pin," please call Visa USA customer assistance at 1-800-847-2911. You can also send an eMessage through Online Banking with detailed information (merchant name, address and date of transaction). We'll then submit a formal complaint to Visa on your behalf.

Navy Federal Debit Card "Manual Cash"

Your Navy Federal Debit Card can be used for "manual cash" inside any bank that accepts Visa. "Manual cash" is handled similarly to a credit card cash advance in that your signature will be required.

ATM Cash Withdrawals

Some overseas ATMs may only give you the option to get cash from your checking account, not both checking and savings. Locate an ATM

Overseas Mail Correspondence

Please note that it can take from 12 to 17 business days for Navy Federal correspondence to reach APO, FPO and other overseas addresses.

Fixing Problems

Lost or Forgotten PINS

No problem! Changing your PIN is fast and secure, and you may begin using your new PIN immediately.

You may change your PIN on our website or by using our mobile app.* If you prefer, you may call us or visit a branch instead.

NAVY FEDERAL ONLINE®

Sign into your account on navyfederal.org Select the "Account Services" tab Select Change My Debit Card PIN under Debit & Prepaid Cards Management

NAVY FEDERAL'S MOBILE APP

Sign into your account on the Navy Federal Credit Union mobile app Select "Accounts" and then click on the checking account that is linked to your debit card Click the > in the "Available Balance" box Select Change My Debit Card PIN

CALLING NAVY FEDERAL

Domestic: 1-888-842-6328 Toll-free international: 1-800-0-842-6328 Collect international: 1-703-255-8837

Stolen or Lost Cards

For lost and stolen cards, contact us immediately either by mail, eMessage via Online Banking?, or by calling 1-888-842-6328, toll-free internationally at 800-0-842-6328, or collect internationally at 1-703-255-8837. Per your request, we'll cancel your card and issue a new one.

Delivery times will vary based on customs and the country's post office procedures. Please note that it can take from 12 to 17 business days for regular mail to reach APO, FPO and other overseas addresses. If you choose to have your card and PIN shipped via FedEx/UPS, your account will be charged $17.45. For security purposes, if no one is available to sign for the package, it won't be delivered.

Rates & Fees

International Transaction Fees

Any time you use your Navy Federal Debit Card or CUCARD overseas, you'll be charged an International Service Assessment (ISA) fee. This is a Visa-mandated fee for ATM and POS transactions performed outside the U.S. When the merchant runs the transaction in the local currency (or if you withdraw money in local currency at an ATM), the transaction will post to your account in U.S. dollars and you'll be charged a 1% ISA fee. If the transaction is in U.S. dollars, you'll be charged at 0.8% of the transaction amount.

Note: These fees will be listed separately on your account statement as "International Transaction Fees."

Transaction Currency Rates

Transactions made overseas or in foreign currencies will be charged to your checking account in U.S. dollars and will appear on your monthly statement. The currency conversion rate used on the processing day may differ from the purchase date or posting date rate. Navy Federal has no control over the rate of exchange or how an international transaction will post. We suggest visiting xe.com to get a general idea of currency exchange rates before you travel.

Visa/PLUS ATM Fees

You'll be charged a service fee of $1.00 for all transactions made at Visa/PLUS System ATMs.

If you find yourself using out-of-network ATMs, we offer ATM fee rebates for Visa/PLUS System transactions of up to $10.00 per statement period with our e-Checking, Flagship Checking, and Campus Checking accounts. And, if you're Active Duty military, you can receive up to $20.00 in ATM fee rebates per statement period with our Active Duty Checking® account. To switch your checking account, sign on to Online Banking or call us at 1-888-842-6328, toll-free internationally at 800-0-842-6328, or collect internationally at 1-703-255-8837.

View our checking account comparison chart

Rates

Student Loans as low as+ 4.29% APR

Auto Loans as low as+ 2.89% APR

Certificates as high as 3.25% APY

Credit Cards as low as++ 7.99% APR

We encountered an issue with our Rates feed, please call for rates or check back later.