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Transfer or Deposit Your Money

We make it easy to shift your money where you need it to be with convenient transfer and deposit options.

Transfer Money

How to Move Your Money or Make a Deposit

Whether you’re transferring funds using an external card, moving money between your Navy Federal accounts or depositing a check, we’ve got you covered.


Transfer Using an External Card

Move money to your Navy Federal checking or savings account using an external Visa® or Mastercard® with a few simple clicks.

Transfer From Another Financial Institution 

Make an Automated Clearing House (ACH) transfer through online banking or by visiting a branch. Our member service reps are also available by phone. 

Transfer Between Your Navy Federal Accounts

Use our mobile app* or online banking to move money between your Navy Federal accounts.

Deposit a Check 

Sign in to our mobile app and deposit a check in a few simple steps. You can also visit a local branch or ATM.

Deposit Your Paycheck Automatically

Set up direct deposit and have your paycheck sent right to your Navy Federal account. 

  • Immediate access to your money
  • Reduced risk of identity theft or mail fraud
  • No cost to enroll

Learn More About Direct Deposit

More Resources

  • Wire Transfers

    Learn how to send and receive money by wire transfers, whether you need to move money domestically or internationally.

    Learn Moreabout Wire Transfers
  • Mobile Banking Apps

    Navy Federal's mobile banking apps offer quick and convenient ways to manage your accounts on the go.

    Learn Moreabout Mobile Banking Apps
  • Branches & ATMs

    With more than 350 branches worldwide and 24/7 access to member service reps, we're here with help the moment you need it.

    Learn Moreabout Branches & ATMs


ATM Cash Advance Fee: None if performed at a Navy Federal branch or ATM; otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction.

Eligible for Visa and Mastercard card only. Review the terms and conditions of the external card you plan to use for a transfer. Transfer may not result in external card rewards. Transfers using an external credit card may be considered a cash advance credit transaction.