Navy Federal Credit Union

• Free

Last verified 30 Aug 2026

4.9 814840 ratings · App Store

1. 5/5Like it

   I moved from NFCU a year ago to USAA but came back recently because USAA will hold your check or other deposit for up to 9 days and nothing you say to them will make them release your money. I cried when I couldn’t buy groceries and put gas in my car. I had my auto and home insurance with them over 8 years in good standing , but over the years it seemed as if different owners took it over, it’s so bad right now; Reviews on trust pilot shows a 1 star. I had moved because it seems as if there is insider theft going on a. Say I have $5000 in my account on Friday, then o go shopping or different vendors take out money, t NFCU. I can see the total balanced reducing over the weekend then on Tuesday all the pending transactions of which was already deducted from the total comes out again. It’s like two times the amount comes out. This often leaves me with a negative balance resulting in an overdrawn fee of $29, or the balance is so low it can’t pay the rest of my bills. The last thing that happened before the update was, I had $5000 then during the weekend I could see each deduction from the balance when I purchased an item, my balance went down to $2950 but when Tuesday came, the balance went down to $1400 which wasn’t enough to pay my mortgage. I asked that they do an audit and they said they don’t do audits. The new update does not allow any of that to happen. No money will be deducted from the account balance over the weekend until Tuesday it all comes out. The updated app is so much better.

   dioufj40 · 30 Aug 2026

2. 5/5Reversed fraudulent transactions

   I don’t know what i would have done without everyone from navy fed that helped me during this time. On 8/21 a fraudulent charge was made on my PayPal account. Paypal REFUSED to give me a refund even after multiple inquiries. So i had to contact navy federal. Every person i talked to was doing everything they could to help me. When i called they couldn’t see the transaction because it had not posted from paypal to my account. So they asked if i wanted to create a new checking account (because my paypal was connected to my checking) and they said it would possibly stop the transaction from posting and you wont have to worry about someone having access to that information. I did so. They transferred everything from one account to the other. During all this, they were kind to ease my worries. They reassured me that if it did process that they would get my money back. Unfortunately, i had a pending paycheck coming in on my old checking account and right when it posted to my account... PayPal processed the transaction. Literally within seconds of each other. This happened at 10pm last night 8/24. I immediately called nfcu and they sent me an unauthorized transaction form. I filled it out and sent it right back a few minutes later. This morning i had checked my account and my funds were BACK in my account! If it wasn’t for everyone that helped me at nfcu i would’ve lost my money. I learned a good lesson and I will NEVER use PayPal again.

   Jessica_starter · 30 Aug 2026

3. 5/5Real people there to help

   I woke up on payday and immediately went to check my balance. As I went on my phone I saw nfcu had sent me a message asking if I had made a purchase for a large amount of money. I was confused and opened the app. I had a 0 balance and money from my savings was gone. Replied to the message with a No and called the number right away. I was really stressed because my whole paycheck and most of my savings was spent on fraudulent charges. I also had a job interview that morning so I knew I couldn’t make it into a branch right away. Over the phone they cancelled my card and reported the multiple charges as fraud. They told me I could stop by a branch at any time to pick up my new card and that I needed to change my password. They said since the amount of money was pretty large (a few thousand dollars) it would take a few business days to see all my money back. After my interview I went straight to a branch. I immediately was given a new card and sure enough about three days later all my money was back into my account and the fraud charges were declined. I want to thank nfcu for having real people on the phone and for taking care of the issue so quickly. Their customer service is the best I’ve ever seen from a financial institution. Also as a young adult I was ready to start building my credit. I got their secured nRewards card which was such an easy process. About 6 months later I had graduated to an unsecured card with a decent credit score. Nfcu truly cares about its members and they do a great job showing it.

   nellie425 · 30 Aug 2026

4. 5/5*Updated Review*

   As a software engineer the application was probably the best mobile application I have ever used. Well optimized, snappy, and most of all, unbelievably well designed...that was until this last update. A lot of changes were made that seem to serve no real positive feedback for the consumer. The bottom menu is convoluted, there is less useful information on the account pages (like the sudden disappearance of the running balance next to transactions), the information that is there has been cluttered into the top left now. The previous design, from a human computer interaction stand point, was very near perfect. It was simple, intuitive, and easy to use, which is exactly what you want. Everything had a purpose and seemed to be deliberately placed with ease of use in mind. This app is great and the designers and developers did an amazing job, but my rating will stay until you guys either roll back to the previous design or take you new design back to the drawing board and ask yourselves why you made each of these changes against the previous design. Keep in mind, for most of us, this is our main means of interaction with this bank. Making changes as drastic as this is jarring and can be pretty detrimental to your customers. Update: You guys took a lot of feedback and made updates to your new design based on that feedback. And they’ve all been positive changes. Reintroducing things that made the previous design good into the new design was a good call as now you’re getting best of both worlds. The devs are doing a great job with this and it gets better with each update. Changed rating to 5 stars. Keep up the awesome work!

   Tillettm · 30 Aug 2026

5. 5/5Navy Federal is Best banking experience period!

   First I never leave reviews! But I felt I needed to. I have banked with several banks and this year I signed up for Navy federal. This has been the best banking experience I have ever had with ANY banks! In fact, Navy Federal goes far beyond any other company I have ever had to call. The fact that they offer 24-7 call center is amazing! Personally I have never had to call in the middle of the night but so many people work different shifts all around the world plus we all travel out of state, some of us even out of the country but not ever having to worry about what time it is back in your home town is top notch!! Not to mention if you are trying to make a very large purchase and your credit card is declining for security against fraud, being able to call and conform your identity right the and there is amazing!! I could go on and on about the experience I have had with Navy Federal but why don’t you just give them a call! Just call and talk to them about their products and that phone Call alone will have you signing up right away! I spent 45 min on the phone the day I called, not because it took them so long, because they keep asking me if I would like them to go on with the benefits they offer, of course I said yes please. They stated they was aware how busy we were but if I had the time they would keep going. During our conversation I was floored at everything I learned about this amazing company! Thank you Navy Federal for accepting me and always being there! You are an AMAZING company that truly cares about your clients and making everything so user friendly! You are awesome!!

   Don't like reviews · 30 Aug 2026

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