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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.

How to Make a Mortgage Payment Audio-Described Video

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

(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 Ever misplaced a debit or credit card and want to freeze the account while you look for it?

(DESCRIPTION)

A graphic of banking cards with a frozen symbol.

(SPEECH)

Or, maybe you need to activate a card or change your PIN on the go?

(DESCRIPTION)

A picture of the navy federal credit union's page for card activation.

The cards page.

(SPEECH)

Good news!

You can easily manage all your cards in our Cards tab.

Hi, I'm Brandon from Navy Federal Credit Union.

(DESCRIPTION)

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

(SPEECH)

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

From there, you can see all your cards.

(DESCRIPTION)

Browser and app windows are displayed and navigated through the described process.

(SPEECH)

To freeze or unfreeze a card, simply tap Freeze Cards.

Then move the toggle next to the card you want to change.

To activate a card, select the card and click Activate New Card.

Enter the 3-digit code on the back of your card and select Activate.

To change your PIN, select Change PIN and choose your new 4-digit PIN and click Submit.

For more security and card maintenance options, select a card from your account.

Here you can dispute transactions, report a missing card, report fraud and more.

You can even add travel plans so your card won't be declined while traveling.

Select the task you're looking for and follow the prompts.

(DESCRIPTION)

Images of different aspects of the bank app appear. The home screen, a person's credit, their rewards, the make payment bar, the move money symbol, among others.

(SPEECH)

Now, that's digital banking made easy.

Message and data rates may apply.

(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. The Zelle and Zelle's related marks are wholly owned by Early Warning Services, L L C and are used herein under license. Message and data rates may apply to Digital Banking, N F C U copyright 2024.

(SPEECH)

Visit navyfederal.org for more information.

Manage Your Cards Audio-Described Video

You can manage all your cards, freeze or unfreeze a card, dispute transactions, report a missing card 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.

    Move Money Audio-Described Video

  • Bill Pay

    Video Transcript for How to Use Bill Pay

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

    (DESCRIPTION)

    A man's head and shoulders. He wears a badge with a check mark on it. Coins move out of a jar and are absorbed by a bill icon.

    (SPEECH)

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

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

    (DESCRIPTION)

    Browser and app windows are displayed and navigated through the described process.

    (SPEECH)

    Start by signing in to your account and select Move Money from the navigation bar.

    Click Bill Pay.

    From here, you can see upcoming bills and reminders under Unpaid Bills or view My Billers to see your billers and their details.

    Select the Activity tab to see any scheduled, processing or previous payments.

    To add a new biller, click Add Biller.

    Enter the required information and click Add.

    To make a payment, select Pay for the biller you're paying.

    You can also pay multiple billers.

    If using online banking, check the box to the left of the biller name.

    From the mobile app, select Pay Bill for each biller.

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

    Click Pay and then you're done!

    You can even set up automatic payments to billers, schedule payments up to a year in advance or set reminders!

    Now, that's digital banking made easy.

    (DESCRIPTION)

    Images of different aspects of the bank app appear. The home screen, a person's credit, their rewards, the make payment bar, the move money symbol, among others.

    (SPEECH)

    Message and data rates may apply.

    (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. The Zelle and Zelle's related marks are wholly owned by Early Warning Services, L L C and are used herein under license. Message and data rates may apply to Digital Banking, N F C U copyright 2024.

    (SPEECH)

    Visit navyfederal.org for more information.

    Bill Pay Audio-Described Video

  • Get Started With Zelle®

    Video Transcript for Get Started With Zelle

    (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 Did you know you can quickly send and receive money using Zelle?

    (DESCRIPTION)

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

    (SPEECH)

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

    (DESCRIPTION)

    Images of account screens appear. One is from a laptop, and the other, from a phone. The move money symbol glows and two boxes appear on the phone screen. One has Send Money and the other has Request Money in its box.

    (SPEECH)

    To get started, sign in to your account.

    Select Move Money from the navigation bar 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)

    A graphic showing a mobile screen with recipients listed.

    (SPEECH)

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

    Then, enter either their email address, U.S. mobile number or account number.

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

    Select Save.

    (DESCRIPTION)

    A graphic showing a screen titled Verify Information and then Send.

    (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 or frequency.

    Under the dropdown menu, select From My and choose the account you'd like to send money from.

    Then select Review.

    Once everything looks good, hit Send.

    You're all set!

    Now, that's digital banking made easy.

    (DESCRIPTION)

    Images of different aspects of the bank app appear. The home screen, a person's credit, their rewards, the make payment bar, the move money symbol, among others.

    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. The Zelle and Zelle's related marks are wholly owned by Early Warning Services, L L C and are used herein under license. Message and data rates may apply to Digital Banking, N F C U copyright 2024.

    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.

How to Make a Mobile Deposit Audio-Described Video

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.

    Order Cashier's Checks Audio-Described Video

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.