Checking Protection Options

Protect Your Checking Accounts

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
  • Funds must be available in savings account
  • Limit to 6 transfers per month1

Checking Line of Credit2

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% APR3
  • No per-item overdraft fees

Apply for Checking Line of Credit

Sign in to digital banking* or call

Optional Overdraft Protection Service4 (OOPS)

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 3 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 balance4
  • No credit approval required

Opt In to OOPS

Call us at 1-888-842-6328 or use the steps below to opt in online:

  • Sign in to online banking
  • Click the "Account Services" tab
  • Find the "Checking & Savings" section
  • Click "Optional Overdraft Protection Service"

You can also mail/fax us the form below.

OOPS Opt In Form

1These savings transfers, in addition to other types of transfers and/or withdrawals made from your savings account, are limited by federal law to 6 per month. Visit the Important Disclosures for more information.

2Generally, 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.

3Rates subject to change and are based on creditworthiness. Repayment terms of 2% of outstanding balance or $20, whichever is greater.

4For more information on OOPS, Terms and Conditions are available.


Savings as high as 1.35% APY

Auto Loans as low as+ 2.49% APR

Certificates as high as 3.50% APY

Credit Cards as low as++ 7.49% APR

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