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Can't Access Your Account?

No worries—it happens to all of us. Recovering your Navy Federal password and username is simple. Just a few steps, and you'll get right back to banking—digitally.

Recover Username or Password

Creating a Username

Think of a username as your unique identifier to help you safely access your account through digital banking.*  Keep in mind you’ll still need to use your Access Number to identify yourself over the phone and in the branch, though.

How to Set Your Username in the Mobile App

  1. Step 1

    Sign in to the mobile app and select Profile & Settings.

  2. Step 2

    Select Username from the menu. Once you’ve entered your username, select Submit Username to continue.

Where Do I Find My Access Number?

You’ll still need your Access Number to identify yourself for transactions in a branch and on the phone. Your Access Number is always available to you through our mobile app.


Select Profile & Settings to view your Access Number.

Yes. You can change your username anytime through the mobile app.

  • Mobile: Update your username by tapping "View Profile" and selecting "Username", and you'll be prompted to edit your existing username.

No. Once you set a username, you'll use it to sign into both Mobile and Online Banking.

Navy Federal uses Access Numbers as a unique member identifier. You’re assigned an Access Number when you join Navy Federal. Previously, an Access Number was necessary to sign in to digital banking, but now you can access your account with your username. A custom username allows you to create an easy-to-remember, convenient sign-in option. Both are secure ways to access your Mobile and Online accounts.

Your username must be 6 to 32 characters in length and must contain at least one letter. You can’t use your full Access Number and we don’t recommend using your full email address. Using special characters and numbers is encouraged; however, only four special characters are allowed (. _ @ -).

Yes. You’ll still need your Access Number to identity yourself for transactions in branch and on the phone. Your Access Number is always available to you through your mobile app.

  • Mobile: Tap "View Profile" and view Access Number on the main profile screen.

No. Once you switch to a username, you won’t be able to switch back to your Access Number for sign-in.

From the Online Banking sign-in screen, select "Forgot Username" under the Username field to reset your Mobile and Online account.

Yes. The Remember Me function will work with a username.