Direct deposit stimulus payments from the relief package signed on Dec. 27 have started posting to accounts and will continue to roll out over the coming weeks and months. If you’re receiving a paper check, review the address listed on your tax return.
You can receive deposit alerts, check your balance, transfer funds and deposit paper checks through Navy Federal's digital banking channels. We've outlined steps below to help you get started. For questions regarding eligibility and the status of your stimulus payment, please visit the IRS web portal. For more information, please visit our FAQ page.
Setting Up Deposit Alerts
Set up deposit alert notifications in our mobile app* or online banking to receive a text message,* push notification or email letting you know when your check has posted. Follow the steps below to get set up:
From Mobile Banking*
- Sign in to the mobile app.
- Tap More on the bottom, then Notification Settings.
- Select the account your check will deposit into. Note: this is the account you last received a direct deposit tax refund into.
- Choose how you want us to notify you (push notifications, text, email) and tap Save. If you choose to be notified by text, you’ll need to respond “yes” to the first one you receive to complete enrollment.
From Online Banking
- Sign in to your account.
- Click on Account Services, then Sign Up for Account Notifications.
- From the right-hand menu, select the account your check will deposit into. Note: this is the account you last received a direct deposit tax refund into.
- Choose how you want us to notify you (text,* push notifications, email) and click Save. If you choose to be notified by text, you’ll need to respond “yes” to the first one you receive to complete enrollment.
Checking Your Balance
Whether you need to transfer funds to another member, to someone outside the credit union or between your accounts, you can do so with mobile and online banking. Explore all our transfer options and easy step-by-step guidance on how to conduct them.
Using Mobile Deposit*
If the IRS doesn’t have your direct deposit information on file, they will mail you a paper check to the address you provided on the last tax return you submitted. You can deposit it with our mobile app or by visiting a nearby branch.
- Download our free mobile app (available for Android™, Kindle Fire™, iPhone® and iPad®).
- Sign in to your Navy Federal account within the app.
- Tap the Deposits button and follow the instructions.
What else can you do with mobile banking? Learn about account management, creating customizable notifications and more with our mobile tutorials.
Receiving Your Payment
If you haven’t received your stimulus payment, you can check your status on the IRS Get My Payment page.
The IRS has said that stimulus payments will be sent in 1 of 3 ways:
- Direct deposit in the account provided by the taxpayer on their 2019 tax return
- Paper checks mailed to the address listed on the 2019 tax return
- Government-issued debit card mailed to the address listed on the 2019 tax return
Paper checks and debit cards will likely take longer to receive.
Note: In 2019, some tax preparers set up an account for their clients’ refunds, deducted their fees and sent the remainder to the client. If you used this type of service, your stimulus payment may have been sent to that account. Contact your tax preparer if you think this may apply to you.
If Your Check is Less Than $600
As explained above, if you used a tax preparation service, it's possible they may have deducted a fee from your stimulus payment before they deposited it to Navy Federal. Since we didn't charge this fee, we suggest contacting your tax preparer.
Taxpayers Who Used a Tax Preparation Service
If you used a service like the one described above, it’s possible they may deduct a fee for processing your payment. In addition, some tax preparation services like H&R Block® and TurboTax® have reported issues with stimulus payments being sent to incorrect bank accounts. Your tax preparer can provide more information.