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Get Started With Mobile Banking*

Get Started With Mobile Banking*

These tutorials and steps will help you easily manage your money.

Browse Our Step-By-Step Guides

Looking for digital banking* guidance? Our step-by-step instructions and videos give you a full breakdown of how to perform the actions you need. Browse below for help with credit cards, credit scores, account management and more.

Maintaining Your Mortgage or Equity

How to Make a Mortgage or Equity Payment

Video Transcript for How to Make a Mortgage or Equity Payment

(SPEECH)

GERALYN: Digital banking made easy. Time to pay your mortgage? We make it simple.

Hi. I'm Geralyn with Navy Federal Credit Union, and I'm here to show you how to make a mortgage or equity payment.

(DESCRIPTION)

Illustrated example of a loan statement: two mortgages and a fixed equity loan.

(SPEECH)

Start by signing into your account. From your Account Summary page, select Make Payment for the mortgage or equity loan you want to pay. This will take you to the HomeSquad dashboard.

(DESCRIPTION)

The dashboard includes payment, loan balance, estimated home value line graph, neighborhood property value, information about mortgage goals, and resources.

(SPEECH)

From here, select the Payment tab from the top left corner, and then make a payment.

(DESCRIPTION)

Fill-in boxes: Payment. Number of Payments. Additional Principal. Additional Escrow. Payment Method. Payment Date.

(SPEECH)

Your monthly payment amount will automatically appear in the Payment field. Enter the other required information, like number of payments you want to make and amounts for additional principal and additional escrow, if applicable. To pay an amount different than your monthly payment, select Custom Payment. You can even enroll in autopay, so you pay on time, every time.

First time paying through HomeSquad? Just select Add Payment Method. From the Payment Method list, select the account the money is coming from. Then, choose the date you want the payment to occur by clicking the Calendar icon. Finally, select Submit Payment, accept the terms and conditions, and you're done.

Keep in mind that it may take up to two to three business days for your payment to be removed from your account. Now that's digital banking made easy.

[MUSIC PLAYING]

(DESCRIPTION)

Logo, Navy Federal Credit Union. Army. Marine Corps. Navy. Air Force. Space Force. Coast Guard. Veterans.

(SPEECH)

Message and data rates may apply to digital banking.

(DESCRIPTION)

Logo, Our Members are the Mission. Text, Get more info at navy federal dot org slash digital banking. Navy Federal is federally insured by NCUA. Logo, Equal Housing Lender. Text, All product and company names are trademarks or registered trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them. Message and data rates may apply to digital banking. NFCU copyright 2023.

To make a mortgage or equity payment:

  1. Sign in to the mobile app.*
  2. Select the mortgage loan account you'd like to make a payment to from the Accounts tab. Note: You'll be redirected to HomeSquad when you tap the account.
  3. Click the navigation menu from the top left . Then select Payment from the dashboard. Once there, find Make a Payment  and fill out the info. 
  4. Select your payment option. You can choose from monthly payment (full amount), custom payment (less than the full monthly amount due) or other (fees, principal only, etc.). Then enter the Number of Payments you'd like to make.
  5. Enter amounts for Additional Principal and Additional Escrow, if applicable.
  6. Select the account you're taking money From in the Payment Method list. If this is your first time making a payment from HomeSquad, select Add Payment Method.
  7. Choose the Date you’d like the payment to occur by tapping the calendar icon next to today’s date.
  8. Click SUBMIT PAYMENT and Accept the Terms and Conditions.

To set up or update your payment method in HomeSquad:

  1. Select the mortgage loan account you’re sending money To, and then tap Go to HomeSquad.
  2. Click the navigation menu from the top left to open the Payment Dashboard, then scroll down to the Payment Methods section.
  3. Add your payment method.
  4. Enter your bank routing number and account number. If you're using a Navy Federal account, our 10-digit routing number is 256074974.
  5. Choose checking or savings and tap Save. You should see the new payment method in both the Payment Methods tile and in the Make a Payment tile. To set your default account, check the box next to the account you want.

Keep in mind, it may take up to 2–3 business days for your payment to be reflected in your source account. If you have any questions, you can call us anytime at 1-888-842-6328 or visit your local branch.


Managing Your Credit Cards and Credit Score

How to Manage Your Cards

Video Transcript for How to Easily Manage All of Your Cards

(SPEECH)

PRESENTER: Digital banking made easy. Ever misplaced a debit or credit card and want to freeze the card while you look for it? Or maybe you need to activate a card on the go. Good news. You can easily manage all of your cards in our Cards Tab.

(DESCRIPTION)

A page with the heading, Cards, displays a Mastercard and a Visa credit card. A button above with a snowflake icon reads, Freeze Cards.

(SPEECH)

Hi. I'm Brandon from Navy Federal Credit Union. To get started, sign in to your account and select cards in the top navigation bar. From there, you'll be able to see all of your cards. To freeze or unfreeze a card, simply click Freeze Cards.

(DESCRIPTION)

After selecting the Cards tab from an upper menu bar, a cursor on the Cards page clicks the Freeze Cards button. The page reads, Freeze or Unfreeze Cards. Use toggle to freeze or unfreeze cards.

(SPEECH)

Then move the toggle next to the card you want to change. Select Done to finish.

(DESCRIPTION)

The cursor clicks the toggle button next to the green Mastercard. The card and the toggle now read, Frozen.

(SPEECH)

Explore the other tools offered there to easily manage your cards. Now that's digital banking made easy.

[MUSIC PLAYING]

(DESCRIPTION)

Different features show expenses, card balances, available balances, and a button that reads, Start Transaction.

(SPEECH)

Message and data rates may apply to digital banking.

(DESCRIPTION)

Text, Navy Federal Credit Union. Army, Marine Corps, Navy, Air Force, Space Force, Coast Guard, Veterans. Our members are the mission. Get more info at Navy Federal dot org slash Digital Banking. Insured by NCUA. All product and company names are trademarks or registered trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them. Message and data rates may apply to digital banking. NFCU copyright 2023.

You can manage all your cards, freeze or unfreeze a card, dispute transactions, report a missing card, change your PIN or add travel plans from the Card tab.

  1. Sign in to the mobile app* and select Cards from the bottom navigation bar. 
  2. Select the card you wish to manage and choose which task you want to perform.

Note: Card on File is no longer available. To adjust payments, go directly to the merchant site where your recurring payments are set.

The Mission: Credit Confidence Dashboard is now located under My MakingCents. To navigate to it:

  1. Sign in to the mobile app* and select My MakingCents from your account homepage. If you're using online banking, sign in to your account using a web browser and select My MakingCents from the top navigation bar.
  2. Select View More under your credit score to navigate to the Mission: Credit Confidence Dashboard.

Making and Viewing Payments

  • Move Money

    Video Transcript for How To Seamlessly Move Money and Schedule Payments

    (DESCRIPTION)

    Against a white background, blue bubbles float on screen, with text that reads Digital Banking Made Easy. Message and data rates may apply. Terms and Conditions are available.

    (SPEECH)

    Digital Banking Made Easy Moving your money is simple and quick.

    (DESCRIPTION)

    A man's head and shoulders. He wears a badge with a check mark on it.

    (SPEECH)

    Hi, this is Brandon from Navy Federal Credit Union.

    (DESCRIPTION)

    A graphic showing two separate bank accounts, one called EveryDay Checking, and one called Share Savings. A coin shows money moving from the savings account into the checking account.

    (SPEECH)

    Seamlessly move money between your Navy Federal accounts and schedule payments to your Navy Federal Credit Card or other loans from one easy-to-navigate place.

    You can also move money to and from an external account or another member, set up Bill Pay or send money with Zelle®.

    (DESCRIPTION)

    A graphic on screen showing the pages of the Navy Federal Credit Union, with a navigation bar with pages titled, Move Money, Cards, Statements, and more.

    (SPEECH)

    To get started, sign in to your account and select Move Money from the navigation bar.

    Then click Start Transfer.

    (DESCRIPTION)

    The page titled, Move Money, with Upcoming Transactions listed below. Above upcoming transactions, buttons with actions such as Start Transfer, Bill Pay, and Manage Accounts.

    (SPEECH)

    First, choose the account you want the money to go to, and then select the account you want to move the money from.

    Simply enter your transaction details-like how much money you want to move, how often you'd like it to occur and the date-a confirmation of your transaction will appear and you're done!

    Now, that's digital banking made easy.

    (DESCRIPTION)

    The logo for Navy Federal Credit Union with text that reads, army, marine corps, navy, air force, space force, coast guard, and veterans. Text below reads, get more info at navy federal dot org, slash, digital banking. Insured by N C U A

    (SPEECH)

    Message and data rates may apply.

    Visit navyfederal.org for more information.

    (DESCRIPTION)

    New text on screen reads, our members are the mission. Zelle and the Zelle related marks are wholly owned by Early Warning Services L.L.C. and are used herein under license. Message and data rates may apply. Visit navy federal dot org for more information. N.F.C.U. 2024.

  • Bill Pay

    Video Transcript for How to Set Up Bill Pay

    (SPEECH)

    BRANDON: Digital Banking Made Easy.

    Let's use digital banking to make paying your bills simple.

    (DESCRIPTION)

    A blue avatar of a man appears. An orange badge hangs on the front of his shirt.

    (SPEECH)

    Hi. I'm Brandon with Navy Federal Credit Union.

    (DESCRIPTION)

    In an animation, coins move from a jar to a financial document.

    (SPEECH)

    With Bill Pay, you can set up one-time and recurring payments to all your billers.

    (DESCRIPTION)

    A Navy Federal Credit Union Accounts page details the amounts of Checking, Savings & MMSAs, and Certificates.

    (SPEECH)

    Start by signing into your account, and select Move Money from the top navigation bar.

    (DESCRIPTION)

    The Move Money page. The cursor moves to the Bill Pay icon in the center. It opens the Pay Bills, Activity page.

    (SPEECH)

    Click Bill Pay. From here, you can view upcoming payments under Upcoming Bills or view My Billers to see your billers and their details.

    (DESCRIPTION)

    The cursor moves to the Activity tab in the upper left.

    (SPEECH)

    To see any scheduled, processing, or previous payments, select Activity.

    (DESCRIPTION)

    The cursor clicks the Pay Bills tab to the left of Activity, then moves to Add Biller in the center of the page. A page opens to enter Account information.

    (SPEECH)

    To add a new biller, click Add Biller, enter the required information, and click Add.

    (DESCRIPTION)

    The cursor clicks the Pay Bills tab in the upper left, then moves to the pay link next to the selected biller.

    (SPEECH)

    To make a payment, select the Pay Bills tab, and click Pay for the biller you're paying.

    (DESCRIPTION)

    Highlights appear over the payment amount, delivery date, and account number.

    (SPEECH)

    Complete payment details, including the amount, the estimated delivery date, and the account the money is coming from.

    (DESCRIPTION)

    The cursor moves to the Pay tab. A Payment Confirmation page opens.

    (SPEECH)

    Click Pay, and review the payment details.

    You can also add a note to yourself for future reference. Then you're done.

    (DESCRIPTION)

    A check mark on a calendar graphic.

    (SPEECH)

    You can even set up automatic payments to billers or schedule payments up to a year in advance.

    Now, that's digital banking made easy.

    (DESCRIPTION)

    An array of images. It includes a Navy Federal Accounts page, McDonald's debit charge, Go Rewards Visa balance, Everyday Checking balance, and Start Transaction tab next to text, Make transfers, payments and other transactions, all from one place.

    (SPEECH)

    [MUSIC PLAYING]

    (DESCRIPTION)

    Navy Federal Credit Union. Army, Marine Corps, Navy Air Force, Space Force. Coast Guard, Veterans. Get more info at navyfederal dot org slash digitalbanking. Insured by NCUA. All product and company names are trademarks or registered trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them. Message and data rates may apply to digital banking. NFCU Copyright 2023.

    (SPEECH)

    Message and data rates may apply to digital banking.

  • Get Started With Zelle®

    Video Transcript for Get Started With Zelle

    (DESCRIPTION)

    Text appears as it is read.

    (SPEECH)

    GERALYN: Digital banking made easy.

    (DESCRIPTION)

    Animated coins arc into circles.

    (SPEECH)

    Did you know you can quickly send and receive money using Zelle? Hi, I'm Geralyn with Navy Federal Credit Union.

    To get started, sign in to your account. Select Move Money, and then Zelle. From here, you can choose to send money, request money, or split the cost of the bill. For now, let's look at how to send money.

    (DESCRIPTION)

    On a screen, the tab on the upper left, Send Money, is selected.

    (SPEECH)

    Select Send Money and click New Contact to enter your contact's first and last name.

    (DESCRIPTION)

    "New Contact" is below, under Select Recipient, to the right of the text box.

    (SPEECH)

    Then enter either their email address, US mobile number, or account number. Keep

    (DESCRIPTION)

    On the bottom of the screen.

    (SPEECH)

    in mind, Zelle should only be used to send money to people and businesses you know and trust.

    Select Save.

    (DESCRIPTION)

    The orange button on the bottom.

    (SPEECH)

    Review the information and click Continue. Enter the amount of money you'd like to send. You can either send money now or press Change to select a different date. Under the dropdown menu, select From My and choose the account you'd like to send money from, then select Review.

    (DESCRIPTION)

    The orange button on the bottom.

    (SPEECH)

    Once everything looks good, hit Send.

    (DESCRIPTION)

    The orange button on the bottom.

    (SPEECH)

    You're all set.

    Now, that's digital banking made easy.

    [AUDIO LOGO]

    (DESCRIPTION)

    Logo, Navy Federal Credit Union. Army, Marine Corps, Navy, Air Force, Space Force, Coast Guard, Veterans.

    (SPEECH)

    Message and data rates may apply to digital banking.

    (DESCRIPTION)

    Text, Our members are the mission. Get more info at navy federal dot org slash digital banking. Insured by NCUA. All product and company names are trademarks or registered trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them. Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Payments sent directly to your recipient's account number (instead of an email address or mobile number) are made available by Navy Federal Credit Union but are a separate service from Zelle and can take 1 to 3 business days to process. Message and data rates may apply to digital banking. NFCU copyright 2023.

    Get Started With Zelle® Audio-Described Video

    If you’re new to Zelle®, select Get Started, review the terms and conditions and hit Accept. Choose either your email or mobile number to receive a verification code. Enter the code and select Verify. Once you’ve done that, select Send Money.

To transfer money:

  1. Sign in to the mobile app.*
  2. Select Move Money from the bottom navigation bar.
  3. Select Start Transfer.
  4. Select the account you’d like to Move Money TO.
  5. Select the account you’d like to Move Money FROM.
  6. Enter details (like if you want it to be recurring and the amount) and select Continue.
  7. Enter the payment or transfer due date and tap Continue.

If you’re making a Mortgage or Equity payment, see above. 

Note: From the Move Money tab, you can manage your accounts, pay your bills, transfer money, use Zelle® or request a cashier's check. 


Making a Mobile Deposit*

How to Make a Mobile Deposit

Video Transcript for How to Make a Mobile Deposit

(DESCRIPTION)

A voice reads out text that appears onscreen. The images described are graphic illustrations.

(SPEECH)

Digital Banking Made Easy With Mobile Deposits, you can deposit personal and business checks safely and securely from anywhere, anytime on your mobile device-all without having to visit a branch or ATM.

(DESCRIPTION)

A dollar sign on a phone, a calendar, a clock and a check.

A woman's head and shoulders. She wears a badge with a check mark on it.

(SPEECH)

Hi, I'm Sara with Navy Federal Credit Union.

(DESCRIPTION)

A series of phone screens show the operations being described, including the Accounts screen, the Mobile Deposits screen, select account screen, the Amount screen, and the front photo checklist.

(SPEECH)

To get started, sign in to the mobile app and select Deposits from the bottom navigation bar.

Tap Make Deposit and select Allow on the pop up to make your camera accessible.

Then, choose the account where you want the money to go and click Continue.

Enter the amount you're depositing.

Next, look over the provided Front photo checklist.

Make sure you have good lighting, and your camera is in focus.

When ready, tap Take Photo.

(DESCRIPTION)

The phone rotates to landscape to take the photo of the front of the check, then returns to a vertical orientation and shows the back photo checklist. The phone rotates to landscape again to take the photo of the back of the check and then returns to a vertical orientation and shows the Review screen followed by the Confirmation screen.

(SPEECH)

Once the front of the check is captured review the back photo checklist, making sure the check has been signed by all payees and that you've written For Mobile Deposit Only at NFCU on the back.

When ready, tap Take Photo.

Once you have followed these instructions for capturing images of the check, confirm everything is correct.

If you'd like, you can even add a note to remind you what the check was for.

Select Make Deposit, and you're done!

You'll get an email confirming your deposit.

Now, that's digital banking made easy.

(DESCRIPTION)

The screen fills with different portions of the phone banking app graphics.

The logo for the navy federal credit union. Text beside it reads, army, marine corps, navy, air force, space force, coast guard, and veterans. Text underneath reads, get more info at navy federal dot org slash digital banking. Insured by N C U A. New text appears and says our members are the mission. Disclosure: Zelle and the zelle related marks are wholly owned by Early Warning Services, L L C and are used herein under license. Message and data rates may apply. Visit navy federal dot org for more information. N F C U copyright two thousand and twenty four.

(SPEECH)

Message and data rates may apply.

Visit navyfederal.org for more information.


Managing Your Account and Settings

  • Order Cashier's Checks

    Video Transcript for How to Order Cashier's Checks

    (SPEECH)

    GERALYN: Digital banking made easy. Need to order cashier's checks?

    (DESCRIPTION)

    A silhouette of a woman pops up.

    (SPEECH)

    Hi, Geralyn with Navy Federal Credit Union. And I'm here to help you order them from the comfort of your home. To start, sign into your account.

    (DESCRIPTION)

    The Accounts page appears on the screen. The Move Money tab along the top is circled.

    (SPEECH)

    Select Move Money. Scroll down, and select Request a Cashier's Check under the Cashier's Check section.

    You can either request a new cashier's check or use a recent check as a template. Once you've chosen an option, select Continue.

    (DESCRIPTION)

    The demonstrator clicks the blue Continue button at the bottom of the screen.

    (SPEECH)

    Enter all the payment information, including who the check will be payable to, which Navy Federal account you'd like to pay from, the check amount, and a memo if needed. Then press Continue.

    Select your preferred delivery method. You can either pick up the cashier's check at a participating Navy Federal branch or have it mailed to you. Verify that the delivery address is correct. Different shipping options will vary in price. Choose the option that's best for you, then select Continue.

    (DESCRIPTION)

    They click the blue Continue button at the bottom of the screen.

    (SPEECH)

    Review the cashier's check and shipping information. Select Submit, and you're all set. Now that's digital banking made easy.

    (DESCRIPTION)

    Text, Navy Federal Credit Union. Army, Marine Corps, Navy, Air Force, Space Force, Coast Guard Veterans.

    (SPEECH)

    Message and data rates may apply to digital banking.

    (DESCRIPTION)

    Our Members are the Mission. Get more info at Navy Federal dot org slash digital banking. Insured by NCUA. All product and company names are trademarks or registered trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them. Zelle and the Zelle*-related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Message and data rates may apply to Digital Banking. NFCU Copyright 2023.

To order cashier's check from the mobile app:*

  1. Sign in to the mobile app.*
  2. Select Move Money from the bottom navigation bar
  3. Select Request a Cashier's Check at the bottom of the screen and follow the prompts.

To access and customize your notifications:

  1. Sign in to the mobile app.*
  2. Tap More on the bottom navigation bar.
  3. Select Settings, and then Notification Settings.
  4. Select the tab you want: Accounts, Cards or Security. Note: For account or card notifications, you'll need to select the specific card or account.
  5. Choose how you want to be notified (push, text or email) and tap Save.

Note: Your mobile number must be enrolled in text to receive account and card text notifications. You'll need to have the mobile app installed to receive push notifications.

To talk to our virtual assistant:

  1. Sign in to the mobile app.*
  2. Select the Chat icon from the top right corner.
  3. Enter your question in the chat screen.

To change your checking type, call us at 1-888-842-6328 or stop by a branch.

This feature is currently unavailable. Please check back here for updates.


Disclosures

All product and company names and logos are trademarks or registered trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

Zelle® and the Zelle®-related marks are wholly owned by Early Warning Services, LLC and are used herein under license.