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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.

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 to get fast access to your paycheck and reduce your fraud risk. And, enrolling is free!

Receive Payments Faster 

With FedNow and Real-Time Payments (RTP) network, you can get access to your deposits in seconds rather than days.

Transfer Between Your Navy Federal Accounts

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

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 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.Footnote 1

More Resources

  • Wire Transfers

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

    Learn More about Wire Transfers

  • Mobile Banking App

    Pay bills, send money to friends and family, make deposits and even monitor your credit score on the go.

    Learn More about Mobile Banking App

  • Branches & ATMs

    If you prefer to do your banking in person, we have 350+ branches worldwide and a network of 30,000+ free ATMs. Want to meet with one of our reps? You can skip the line by booking an appointment online.   

    Learn More about Branches & ATMs

Disclosures

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External credit card transfers to your Navy Federal checking or savings account are limited to Visa and Mastercard cards only. The issuer of your external credit card may consider this transfer a cash advance and charge you interest and a fee. The transfer using your external credit card may be ineligible to earn rewards. Review your external credit card's terms and conditions for more information.

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