Mobile and Online Banking FAQs

Digital banking gives you quick, direct access to your funds. You can access your accounts and automate your finances using our mobile app or online banking, and easily manage your money on your time.

With digital banking, you can:

• make payments with free, online Bill Pay
• easily transfer money to another member
• send money to family and friends in minutes with Zelle®^{Footnote [1]}
• deposit checks safely and securely with mobile deposit

It’s a security feature that adds an additional layer of protection when enrolling in digital banking. Composed of random numbers, we’ll send you this unique code to enter during your enrollment session to further verify your identity. Please make sure the mobile phone number we send to is able to receive text messages.*

No, Navy Federal will never call you to ask you for your code.

The message will come from 739-49.

You'll have 6 minutes to successfully complete the verification. If you run out of time, tap or click the link to resend your code.

Please visit us at a branch or give us a call at 1-888-842-6328 to update your information and complete digital banking enrollment.

Please visit us at a branch or give us a call at 1-888-842-6328, and we can help complete your enrollment.

To close your account, you can visit a branch, send a secure message, write a letter to PO Box 3000, Merrifield, VA 22180 or call 1-888-842-6328.

With this update, the 4-digit Navy Federal mobile app passcode has been retired. Instead, you’ll now use the PIN or unlock method (such as your device’s PIN, Face ID or Touch ID) that you use to unlock your phone or tablet.

We’ve updated the sign-in experience to make it simpler and more aligned with industry standards. This reduces the number of credentials you need to remember and streamlines access to your account.

You can still sign in using your username, password and two-step verification. For a faster, more convenient experience, you may also choose to enable your device’s unlock method (such as Face ID, Touch ID or a PIN/pattern) through your device settings.

In rare cases, we may briefly revert to the previous sign-in experience while we address any issues. Once resolved, the updated sign-in will be restored.