Checking Protection Options

Protect Your Checking Accounts

Whether it's a simple checkbook miscalculation, car repairs, urgent medicine or unplanned travel, we understand that mistakes happen and emergencies arise. Navy Federal offers checking protection options to make sure you're covered.

Savings Transfer

Pays overdrafts at no charge.

  • Automatically moves money from savings to checking to pay for overdrafts, as long as funds are available
  • Free of charge and, in combination with other transfers, is limited to six uses per month.
  • Automatic Coverage Convenience
  • Overdrafts will be paid automatically if you have sufficient funds available in your Navy Federal savings account.

Automatic Coverage Convenience

Overdrafts will be paid automatically if you have sufficient funds available in your Navy Federal savings account.

Checking Line of Credit1

(previously called Overdraft Line of Credit)

With NAVCHEK®, a checking line of credit,1 your check account is covered. It protects you from overdrafts and from having transactions denied for non-sufficient funds. Plus, it's an easy and convenient line of credit when you need quick access to cash.

  • Coverage with no per-item overdraft fees
  • Access cash when you need it for large or unexpected expenses
  • Payments at low interest rates
  • A low interest rate with monthly payments that are 2% of the outstanding balance or $20, whichever is higher. Rates range from 13.9% to 17.9% APR2

Apply for Checking Line of Credit

Sign in to digital banking* or call

Checking Line of Credit Rate

Optional Overdraft Protection Service3 (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 (if overdrafts exceed 3 in a day, the account remains open, but no additional fees will be charged)
  • Total overdrafts cannot exceed $500, including 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

1Checking Line of Credit is a credit product and subject to credit approval. Repayment terms are 2% of the outstanding balance or $20, whichever is greater.

2Rates based on creditworthiness, so your rate may differ. Rates range from 13.9% APR to 17.9% APR.

3OOPS pays checks, POS debit card (Navy Federal Debit Card) transactions, ATM withdrawals, and Automated Clearing House (ACH) transactions presented against your checking account when it is overdrawn. OOPS coverage must be repaid promptly. Your account may become overdrawn in excess of the $500 limit due to fees. Should the account remain overdrawn beyond 30 days of the initial transaction posting, the OOPS will be frozen. The account must have a positive balance for a minimum of one business day to allow the deposited funds to clear and reset the 30-day repayment cycle. Should the account remain overdrawn beyond 45 days, OOPS privileges will be revoked permanently. Members may enroll up to two primary checking accounts in OOPS. Items will be posted in the following order: credits and deposits; branch withdrawals; ATM withdrawals; Navy Federal Debit Card or POS transactions that merchants have presented to us for payment; transfers from one Navy Federal account to another; ACH debits; checks written. When more than one transaction is processed from a group of transactions, the items will be posted in the order of lowest to highest amount within that group of transactions. Navy Federal pays overdrafts at our discretion and reserves the right not to pay. You must be at least 18 years old and a member for a minimum of 90 days for this service to be extended. You must also have no delinquencies or legal orders against your Navy Federal accounts in order to qualify. Members may not have both Checking Line of Credit and OOPS on the same account. The account must be in a positive status for a minimum of one business day to allow the deposited funds to clear. Additional Checking Protection options include Checking Line of Credit and Automatic Savings Transfers.


Savings as high as 1.35% APY

Auto Loans as low as+ 2.99% APR

Certificates as high as 3.50% APY

Credit Cards as low as++ 8.24% APR

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