Freeze or Unfreeze Your Card
Misplaced Your Card? Freeze It Now
If you've ever reached for your wallet to discover your card isn't where you thought it was, this feature is for you. Now, when you temporarily misplace your Navy Federal Credit or Debit Card, you can freeze the card while you locate it. Once you locate the card, you can unfreeze it in seconds on the mobile* app and continue using it as you did before it was frozen.
A Quick Fix
Freezing your card isn't a notification that your card is lost or stolen, or that there have been unauthorized transactions on your account. It's simply a way to confirm no transactions can be made until you find your card.
How to Freeze and Unfreeze From Your Mobile App
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Step 1
From the Accounts page, select the corresponding checking account to freeze your debit card, or select the credit card you want to freeze.
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Step 2
Select Manage Card, then select Freeze Card from the next menu.
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Step 3
Select Freeze Card to continue. If you successfully freeze the card, a confirmation screen will appear.
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Step 4
To unfreeze a card, navigate to the Account Details page. Select Unfreeze Card to resume using the card as normal.
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FAQs
When should I freeze my credit or debit card?
When you temporarily misplace your credit or debit card, you can freeze access until you find your card. Once you locate the card, you can unfreeze it in seconds on the mobile app and continue using it as you did before it was frozen.
What do I do if I lose my card or suspect it’s been stolen?
If your card is lost or stolen, or if you notice unauthorized transactions, please call 1-888-842-6328 immediately. Freezing your card doesn't serve as a notice that it's lost or stolen, or that an unauthorized transaction has posted to your account.
Who can freeze their cards?
For debit cards, cardholders may freeze their individual cards. For credit cards, primary and joint cardholders can freeze any card on the credit card account, and Authorized users may freeze their individual cards. Business Account cardholders can't freeze their cards at this time.
Does freezing my card freeze all card numbers on the same account?
No. Freezing your card number doesn't freeze other card numbers that access the same account.
For debit cards, cardholders may freeze their individual cards but not the debit cards for joint owners of checking accounts.
For credit cards, primary and joint cardholders can use online banking or the mobile app to freeze any card on the account, including cards assigned to Authorized Users. Authorized Users can only freeze their own cards.