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Bottom Line Up Front 

  • Debit cards are as convenient as a credit card, but don’t add to your debt.
  • Setting up automatic transfers can make saving easier.
  • Digital banking tools are a great way to track your debit card spending and manage money.

Have you ever tried to follow a budget, but just couldn’t seem to stick to it? You’re not alone.

To stay within a budget, some people opt to shop only with cash. But, that method has limits—especially when it comes to shopping online or using app-based services. Those who choose to use credit cards to manage spending face different challenges, especially when it comes to going over budget. Since credit cards are easy to use and payment isn’t due right away, it can be hard to stay on track. The good news is there’s another option that combines the benefits of both of these approaches: using your debit card.

Tap Into the Benefits of Your Debit Card

Using your debit card for your purchases is an effective way to stick to a budget. The Navy Federal Debit Card comes with money management tools that can help you stay on track. Here are some ideas on how your debit card can help you stay within your budget.

Enjoy convenience without debt.

Using a debit card may make it easier to stick to a budget, since you can see the effect on your checking account pretty quickly. The money is deducted directly from your checking account—unlike using a credit card, where you borrow money and then have to repay it.

Stay on top of things with digital banking.

With the power of digital banking, you can track your spending and manage your accounts easily—any time. For example, before making a purchase, you can quickly see how much you have in your account using your financial institution’s mobile app* or online banking. Knowing that can help you decide whether it’s something you can afford to buy right now or if it can wait.

Set up notifications to track spending and monitor your account.

If you’re a Navy Federal member, you can also set spending limits and set up notifications to alert you:

  • if you go over your set spending limit
  • when your balance is low
  • when a deposit posts

Build your savings.

Saving money for a rainy day is an important part of all budgets. Make it easier to put money aside for unexpected expenses by using the “pay yourself first” method. Just schedule an automatic transfer to move money from the account linked to your debit card to your savings account each time you get paid. By moving money to a savings account, you may be less likely to spend it. And, you’ll have the comfort of knowing it’s there if you need it. Best of all, the money in your savings account will earn dividends, so you can end up with more than you deposited.

Enjoy the Benefits of a Navy Federal Debit Card

Whether you’re making everyday purchases or buying that special something, a Navy Federal Debit Card is more than just a great budgeting tool. It’s also a secure, convenient and smart way to shop with millions of merchants worldwide. You can enjoy great features and perks, like:

  • using Card on File to easily link your card to the online merchants you shop with most
  • enjoying 24/7 state-of-the art fraud monitoring
  • having the ability to freeze/unfreeze your card if it’s misplaced

Plus, our Zero Liability policy protects you against reported, unauthorized charges.


This article is intended to provide general information and shouldn't be considered legal, tax or financial advice. It's always a good idea to consult a tax or financial advisor for specific information on how certain laws apply to your situation and about your individual financial situation.