FAQs - NavyArmy Community Credit Union in Corpus Christi and the Rio Grande Valley, Texas
Please visit Branch & ATM Locations for more information
Complete the Address Change request form and return to NavyArmy.
New Year’s Day (Observed) – Monday, January 2
Martin Luther King Jr. Day – Monday, January 16th
President’s Day – Monday, February 20th
Memorial Day – Monday, May 29th
Independence Day –Tuesday, July 4th
Labor Day – Monday, September 4th
Columbus Day – Monday, October 9th
Veteran’s Day – Saturday, November 11th
Thanksgiving Day – Thursday, November 23rd
Christmas Day – Monday, December 25th
New Year’s Day – Monday, January 1st 2018
Please call NavyArmy at 361-986-4500 and a representative will get the appropriate documents sent to you.
No. Rolled coin exchanges and/or deposits are member only transactions.
No. Money orders and Cashier’s checks are available only to members.
NavyArmy only cashes checks that are drawn off of NavyArmy accounts for non-members.
Yes. Non-members are able to do cash advances at any branch with no charge from NavyArmy.
No, NavyArmy does not do any foreign currency exchange.
A minor account cannot be opened online, but a Member Service Representative at any branch can open a minor account during lobby business hours.
Yes! To open an account with NavyArmy, there is a one time $15.00 membership fee charge, but if the account is opened online, the $15.00 membership fee is waived. Go to navyarmyccu.com and click on Open an Account at the top.
No. You will have one account number. A suffix number is assigned to each sub-account. Ex: Savings: 000000-0 Checking: 000000-2
Yes. There is a $15 membership fee to establish your account. The $15 membership fee is waived when the account is opened online.
Yes. Opening a savings (share) account establishes your membership with NavyArmy.
Yes. You must also have a SSN and show Proof of residency and a utility bill (water or electric).
Yes. A valid state issued ID or Passport is also required. A Texas state issued ID is preferred.
No. A member is allowed 1 Liberty Checking account per household.
No. Liberty Checking is only available for personal accounts.
Yes. A member may be a primary account holder on more than one account.
Please call 986-4500, ext. 1014 or email MBL.email@example.com
A certified copy of Letters of Testamentary or Administration are required to resolve an account which has no beneficiary designation in order to properly distribute funds. This is in the case of a deceased family or friend that has named you as the executor of their estate.
Yes. We offer Traditional, Roth and Coverdell (Educational). Please see one of our Member Service Department representatives at any branch to review account options.
We offer these services through Alliance Financial Services. Please contact John Chapman at 361-986-4521.
Please see one of our Member Service Department representatives at any branch to review account options.
Basic Checking $0.00
Liberty Checking $0.00
Flag Checking $5.00
Please go to www.memberbenefitpackage.com and log in using the credentials on your Flag Checking membership card. You’ll be able to view all the benefits and discounts you’ve earned.
You may order 2 boxes per calendar year.
Minimum Qualification Cycle activity will be considered from items posted to your account on the last day of your statement cycle.
- Have 10 or more debit card purchases post and clear
- Be signed up to receive and review monthly eStatements
- Have at least 1 automatic payment or direct deposit post and clear
Please see a member service representative to dispute the transactions.
A member must be 16 years of age to be eligible to receive a debit card.
Immediately call 1-800-622-3631 to report the card lost or stolen. On weekends or after 5pm please call 1-800-472-3272.
No. A debit card is linked to only one checking account.
We do not offer ATM cards, however we can open a Checking account with a debit card providing ATM access to both Savings and Checking accounts.
EMV chip technology is becoming the global standard for credit card and debit card payments. Named after its original developers (Europay, MasterCard® and Visa®), this smart chip technology features payment instruments (cards, mobile phones, etc.) with embedded microprocessor chips that store and protect cardholder data. This standard has many names worldwide and may also be referred to as: “chip and PIN” or “chip and signature.
Chip technology is an evolution in our payment system that will help increase security, reduce fraud and enable the use of future value-added applications. Chip cards are standard bank cards that are embedded with a microprocessor chip. Some may require a PIN instead of a signature to complete the transaction process.
Simply put, EMV is the most recent advancement in a global initiative to combat fraud and protect sensitive payment data in the card-present environment. A cardholder’s confidential data is more secure on a chip-enabled payment card than on a magnetic stripe (magstripe) card, as the former supports dynamic authentication, while the latter does not (the data is static). Consequently, data from a traditional magstripe card can be easily copied with a simple and inexpensive card reading device enabling criminals to reproduce counterfeit cards for use in both the retail and the CNP environment. Chip (EMV) technology is effective in combating counterfeit fraud with its dynamic authentication capabilities (dynamic values existing within the chip itself that, when verified by the point-of-sale device, ensure the authenticity of the card).
EMV secures the payment transaction with enhanced functionality in three areas:
• Card authentication, protecting against counterfeit cards. The card is authenticated during the payment transaction, protecting against counterfeit cards. Transactions require an authentic card validated either online by the issuer using a dynamic cryptogram or offline with the terminal. EMV transactions also create unique transaction data, so that any captured data cannot be used to execute new transactions.
• Cardholder verification, authenticating the cardholder and protecting against lost and stolen cards. Cardholder verification ensures that the person attempting to make the transaction is the person to whom the card belongs. EMV supports four cardholder verification methods (CVM): offline PIN, online PIN, signature, or no CVM. The issuer prioritizes CVMs based on the associated risk of the transaction (for example, no CVM is used for unattended devices where transaction amounts are typically quite low).
• Transaction authorization, using issuer-defined rules to authorize transactions. The transaction is authorized either online and offline. For an online authorization, transactions proceed as they do today in the U.S. with magstripe cards. The transaction information is sent to the issuer, along with a transaction-specific cryptogram, and the issuer either authorizes or declines the transaction. In an offline EMV transaction, the card and terminal communicate and use issuer-defined risk parameters that are set in the card to determine whether the transaction can be authorized. Offline transactions are used when terminals do not have online connectivity or in countries where telecommunications costs are high.
First, the EMV card includes a secure microprocessor chip that can store information securely and perform cryptographic processing during a payment transaction. EMV cards carry security credentials that are encoded by the card issuer at personalization. These credentials, or keys, are stored securely in the EMV card’s chip and are impervious to access by unauthorized parties. These credentials therefore help to prevent card skimming and card cloning, one of the common ways magstripe cards are compromised and used for fraudulent activity.
Second, in an EMV transaction, the card is authenticated as being genuine, the cardholder is verified, and the transaction includes dynamic data and is authorized online or offline, according to issuer-determined risk parameters. As described above, each of these transaction security features helps to prevent fraudulent transactions. Third, even if fraudsters are able to steal account data from chip transactions, this data cannot be used to create a fraudulent transaction in an EMV or magstripe environment, since every EMV transaction carries dynamic data.
We are in the process of issuing chip cards to credit card users, and will begin debit reissues during the summer of 2016. You don’t have to do anything to receive a chip card; you’ll automatically be issued one when your current debit card expires.
Please follow the instructions on the sticker affixed to your new card.
Your card must be activated before it can be used. To activate your new debit card the cardholder must call from the phone number on file. If you would like to activate it immediately, you will need to activate by performing a PIN based transaction (balance inquiry/withdrawal at an ATM). To activate, call toll free: 1-800-992-3808
No, the PIN will remain the same. However, if you would like to change your PIN, you may do so by calling 1-800-992-3808.
At most merchant locations you can either enter your PIN or sign for your purchase. Some locations may require you to only run your card as a debit transaction (requiring you to input your PIN) and not as a credit transaction when making a purchase. For this reason, it is very important to select a PIN when activating your card for the first time.
Step 1: Insert your EMV chip card into a chip-friendly reader.
Step 2: Approve the amount.
Step 3: Follow prompts.
Step 4: When the transaction is complete, always remember to remove your card.
When updating your password, it is a good idea to set up a ‘Forgot my password’ security question. This process will enable you to reset your password on your own. While logged in to Online Banking, select the ‘Your Preferences’ tab and click the ‘Set your FORGOT PASSWORD question HERE!’ link that is in the box to the right.
A representative/teller will un-enroll the member to reset the member’s login information. The member will then re-enroll in Online Bankingto reset all security questions.
A representative/teller will be able to unlock members from their Online Banking account and provide a system generated temporary password. Once the member logs in using the temporary password, the system will automatically prompt the member to create a new password.
No. Members are not required to have a Checking account in order to use Online Banking, although, certain electronic services may require a checking account.
Yes. Members are able to transfer loan payments from their NavyArmy checking or savings account to their loans.
Yes. Members are able to view checks that have cleared drawn off of their Navy Army account.
Members are able to view statements up to 2 years back.
Yes! Members are able to request to receive their statements online through their Online Banking accounts.
Yes. Members are able to transfer money within their accounts or to another NavyArmy account.
No! Our online banking service is free to our members.
Yes! Members are able to access their accounts online.
ePay lets you pay your bills online through NavyArmy Community Credit Union. You can pay anyone in the United States that you would normally pay by check or automatic debit, even if you do not receive bills from the company or person you want to pay.
A member service representative can enroll members in ePay or log in to your Online Banking and click ePay and Enrollment Options.
Members must have a checking account to be eligible for ePay services.
There is no fee for members to use our ePay service!
ePay sends payments electronically whenever possible. If the company or person cannot receive electronic payments, ePay prints a check and sends it to the billing address.
Yes. NavyArmy allows you to pay your bills from any payment account you add to ePay. When you pay a bill or set up an automatic payment, you can select the account from which to withdraw the funds.
An account name is a description that should help you identify the account. The account name reminds you which account you are looking at without having to remember the account number. Ex: My Personal Checking or My Business Expenses.
You can pay anyone in the United States that you would normally pay by check or automatic debit, even if you do not receive bills from the company or person you want to pay.
You cannot use ePay to pay any company or person with an address outside the United States or its territories. You can use ePay to make state and federal tax payments and court-ordered payments; however, such payments are discouraged and must be scheduled at your own risk.
Log in to Online Banking and select the ePay tab. After the ePay window loads, if this is your first time using EPay, the system will prompt you to begin adding a bill. If this is not the first time using ePay, select ‘Add a company or person to pay’.
The payment may be sent to the incorrect address, or rejected by the system if caught. If it is sent, this could result in delays in the payment being posted or the payment may not arrive at the merchant at all.
ePay uses several methods to ensure that your information is secure. ePay uses SSL (secure sockets layer) which ensures that your connection and information are secure from outside inspection. ePay uses 128-bit encryption to make your information unreadable as it passes over the Internet. ePay automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). It is best if you sign out immediately after you finish your tasks in ePay.
On the payment date you set, the money is deducted from your NavyArmy account. The funds are then processed and sent to the payee either electronically or by check, depending on the payee’s preference.
The Payment Assistant is a dynamic layer that provides payment-related information and links to certain features. The Payment Assistant provides a quick summary of your biller information.
Some companies and many people cannot receive electronic payments. In these cases, ePay prints a check and mails it to the address you provided when you added your bill. It can take four or fewer days for the biller to receive the check. Some billers may not always credit your account on the same day that they receive the payment. Making payments in advance of the bill’s due date allows enough time for the biller to receive the payment and credit it to your account.
Yes, you can add categories to organize your bills for your specific needs. For example, you may want to track your business expenses separately from your personal ones. In this case, you can add a category named Business Expenses. To add a category for a biller, select Add a New Category at the bottom of the Category list and type the name of the new category in New Category Name. The new category is assigned to the biller and appears in the Category list to assign to other billers as needed.
To update biller information go to Manage My Bills and select a biller.
Contact Customer Service at 866-963-2198.
Sometimes the biller may not credit your account immediately after receiving a payment. It can take a few days for the biller’s payment system to show the credit to your account. Wait a few days after the scheduled pay date to see if the payment is credited to your account.
If you schedule a payment for overnight delivery before 2:00 P.M. ET, your biller can receive it the next day. If you schedule a payment after 2:00 P.M., the biller can receive it in two days. When you schedule an Overnight Check payment, we send you an e-mail message with the tracking number from the overnight delivery service. You can also find the tracking number in the Bill Detail. Use the tracking number to determine when the check is delivered to the biller.
If you schedule a Same-Day Bill Pay payment, the biller will credit your payment on the pay date. However, the payment may not be reflected in your biller account information for a day or two. If you want to verify the payment, you should wait a day or two before contacting the biller.
If the payment is not credited after two days, call the biller’s Customer Service. If the problem still isn’t resolved, you can send us a payment inquiry. We contact the biller on your behalf in an attempt to resolve the problem.
The payment fails processing, and the status changes to Failed. You receive an email message and a letter notifying you that the payment has been returned to us. We make a second attempt to withdraw the money from your payment account. If this attempt also fails, you must resolve the problem with our Payment Processing Center. Please contact your financial institution to ensure that the funds are available. If the due date is near, however, you should pay the bill by some other means, such as sending a check.
ePay’s ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. ePay may not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop a payment that has already been processed, you must contact Customer Service. Although NavyArmy will make every effort to accommodate your request, we are not liable for failing to do so. NavyArmy may also require you to present your request in writing within fourteen (14) days. The charge for each stop payment request will be the current charge for such service as set out in the applicable fee schedule.
When you enter an amount, ePay automatically displays the earliest date the biller will receive the payment without incurring expedited payment fees. You can accept this date or change it.
No. Just keep in mind: if the payee does not accept electronic payments, a check will be printed and mailed to the payee by US mail.
Telephone us at 866-963-2198
Yes. You can set up automatic payments to pay your electronic bills or to automatically schedule payments of a set amount at regular intervals.
The Pending Payments section provides a quick summary of the payments that have not been processed yet. You can also find a list of the pending and recent payments for a particular biller in the Payment Assistant.
You can check the status of the payment in Bill History. If the status is Paid, the payment has been sent to the biller. In some cases, you may see the date when the biller posted the payment to your account.
Electronic payments may take up to 3 business days to be received. Check payments may take up to 7 business days. Your account will be debited on the payment date. Note that payments are not processed on weekends or any holiday observed by the Federal Reserve. Be aware that payees may not immediately credit payments as they receive them.
When you set up your bill reminders, you can select an option to receive an email message when the payment is sent. The message contains any posting information that the biller sends us. If you want to confirm that the payment has been posted to your account, contact the biller. It can take a few days for the biller’s payment system to show the credit to your account.
Yes. If the payment has not started processing, you can change the: Account from which to make the payment. Date you want the biller to receive the payment. Amount of the payment.
Changing the Biller: If you made a payment to the wrong biller, you can cancel the incorrect payment and make another one to the correct biller.
Changing an Overnight Check Payment: You cannot change an Overnight Check payment. If the payment has not started processing yet, you can cancel it and schedule another payment.
Changing a Same-Day Bill Pay Payment: After you click Submit Payments, you cannot change or cancel a Same-Day Bill Pay payment.
Changing a Processed Payment: If the payment has started processing, or if the status is Paid, call the biller’s Customer Service. For more information, see the FAQs for Managing Payment Problems.
Tip: If you want to change a payment that has been scheduled automatically, consider setting up bill reminders instead of an automatic payment schedule. The reminder appears below the bill in the Pay Bills section of the Payment Center for a certain number of days before the due date. You can check the reminders to ensure you’re making payments on time. Automatic payment schedules work well for bills that are a set amount paid at regular intervals, such as your mortgage, rent, or car loan.
To cancel all payments that you’ve scheduled to be paid automatically, go to Manage My Bills and delete the automatic payment.
After you cancel a payment, its status changes to Canceled and it is not processed. Canceled payments appear in: The Recent Payments section of the Payment Center Bill History
Note: If you cancel an automatic payment, only the selected payment is canceled. You do not cancel any future payments in the payment schedule.
Yes. You can review your bills and payments for the past 24 months. You can also see a summary of your recent and pending payments at the Payment Center.
Microsoft Internet Explorer Mozilla Firefox
Yes, we’ve incorporated several enhancements based on priorities one and two of the World Wide Web Consortium’s Web Content Accessibility Guidelines. These enhancements aim to make ePay more accessible to assistive technology users.
The following features may help you navigate ePay more easily:
Skip to Main Content Links—These links allow you to skip the page banner and the redundant navigation links and go directly to the main page content.
Link Titles—If a link opens a new window, you are alerted in the link title. Most of the links have descriptive labels, but we provide additional information in the link title if necessary. For this reason, we recommend that you set your screen reader to read the link title attributes.
Table Summaries—Whenever information is presented in a table format, we provide a brief description of the contents.
Font Sizes—The fonts can be resized without significantly changing the layout of a page.
You can pay as many as 30 bills at the same time from the Payment Center.
You can make an expedited payment to some billers by sending a check through an overnight delivery service.
When you schedule an expedited payment, you accept the associated fee.
When you send a payment through an overnight delivery service, we send you an email message with the tracking number. You can also find the tracking number in the Bill Detail. Use the tracking number to determine when the payment is delivered to the biller.
A preferred account is the payment account from which you pay most of your bills. When you designate an account as your preferred account, it appears first in the Pay From list by default.
To change your preferred account, simply select another account in the Pay From list. When you choose a different account, the Make Preferred Account check box appears so that you can select it for the new preferred account.
Note: You must make a payment to designate a preferred account. If you select the Make Preferred Account check box but don’t make a payment, the previous preferred account selection continues to appear as your preference.
A note contains descriptive information that you want to keep on file with the payment. ePay does not send the note to the company or person with your payment. You can add a note to any payment in ePay. You can review the note when you view the details of your payment on the Bill Detail page. The maximum length of a payment note is 256 characters.
A memo contains information that is printed on the memo line of a check that ePay sends to the company or person. You can only add a memo to payments that ePay sends by check. The memo is also kept on file with the payment, so you can review the memo when you view the details of your payment on the Bill Detail page. The maximum length of a memo is 34 characters.
Add a bill for each separate account you have with the company.
For example, if your phone company provides your home phone service, your wireless phone service, and your internet service, you can add the company to your list of bills three times, each time with a different account number. If your phone company consolidates all of the info on one bill and provides you with one account number, you only need to add the phone company to your list of bills once.
If you don’t have an account number, enter other info that identifies you to the biller. Check your bill or statement for a customer ID, member number, or patient ID. If you’re paying a person, you can enter an ID or note that may help the person credit your payment properly.
Go to Manage My Bills, select a bill, and then select the option to set up reminders for the bill.
Note: If you change reminder options for a bill with an online notification, that notification may be removed until the new reminder options take effect. E-mail reminders may also be sent again.
Member Service can be reached at 866-963-2198 between the hours of 6am to 12am CT seven days a week.
POPmoney is a fast, safe, inexpensive way for you to send personal payments to someone using only their cell phone number or email address without having to exchange any personal account information!
Members are charged $0.50 each time they send money using POPmoney.
Yes. You only need to know the cell phone number or email address of the person you want to send money to.
No – there is no fee to receive money.
POPmoney sets next-day limits based on your risk profile. The minimum you can send is $5.00.
No. Similar to ePay transactions, POPmoney transactions will be processed using a risk-processing model.
POPmoney transactions will be processed through the ACH network. The transaction history will show as “PERSNL PMT”. It will contain the first and last name of the sender (or receiver) depending on whether you sent or received money.
Similar to ePay, if funds are not available in your account when the item posts, it will attempt to clear for a second time. If it is returned again, then you will not be able to send additional payments using ePay and/or POPmoney until the funds are paid. (The receiver will not know the payment was NSF)
Cut off time is 4:00pm. Payments entered after that time will be processed as quickly as two days.
You can send money to someone using his or her email address, mobile number or account information:
Email address: your contact will receive an email with instructions on how to direct the payment into his or her account.
Mobile number: a text message will be sent to the recipient on your behalf with instructions on how to direct the payment into his or her account. You may want to tell your contact that standard message and data rates may apply.
Account information (routing and account number): the money will be deposited directly into your contact’s account. You will also have the option to send an email to your contact.
This depends on the delivery option selected by the sender. If the sender has selected 3-Day or standard delivery then the recipient will receive the funds 3 business days after accepting the payment. If the sender has selected next day or express delivery then the recipient will receive the funds 1 business day after accepting the payment.
If the sender does not have an option to select a delivery speed, funds will normally be available to the recipient on the next business day if you are sending money to someone who has used POPmoney and has selected the Automatic Deposit option. Funds will also be available on the next business day if you have provided your contact’s account information.
In some cases, like when you have exceeded payment limits, the funds will be available in three business days.
If you make a payment before 7:00 p.m. Pacific time on a business day, the funds will be debited from your account on the same day. If you make a payment after 7:00 p.m. Pacific time or on a non-business day, the funds will be debited from your account on the next business day.
A personal message helps to give your contact confidence that they are receiving a payment from someone they know. It is also your opportunity to communicate the purpose of the payment.
Yes, you may cancel a payment anytime before or on the send date. Your contact will be notified if you cancel a payment after a payment notification has been sent.
No, currently you can only use POPmoney to send money within the United States. If you send a payment to your contact’s email or mobile, your contact will be required to provide a US bank account to receive the funds. Otherwise, the payment cannot be processed and the funds will be returned to your account.
Yes, POPmoney allows you to schedule one time or recurring future payments.
No, your account information will not be shared with the recipient. The recipient will only see your first name, last name, and the message you wrote for the payment. When you send a payment to an email address, the recipient will also see your email address. Similarly, you will not be able to see the recipient’s account information.
The Request Money option allows a member to request money from one or multiple individuals through a text or email address option.
3 business days after the recipient of the request makes a payment. The money will be deposited to the account you selected when sending the request.
For your protection, limits have been created on how many requests and value of requests can be sent during various time periods. Click the icon next to the Amounts field to view your available limits.
Yes. You can request money from multiple contacts by entering their phone numbers or email address in the “From” field. You can also request or specify different amounts from different people in the same request.
No. Fee will be deducted only IF you receive a payment. No fee will be charged if the request is not paid.
Members are charged $0.50 at the time funds have been received each time they request money using Request Money.
A personal message gives the contact the confidence that he/she is receiving the request from someone they know. It is also an opportunity for you to communicate the purpose of the request to the contact.
Yes, you may cancel a request anytime before or on the send date. Your contact will be notified if you cancel a request after notification has been sent.
You can request money from someone using his/her: Email address: your contact will receive an email with instructions on how to pay the request. Mobile number: a text message will be sent to the recipient on your behalf with instructions on how to pay the request.
MoneyTracker provides you the tools to successfully manage and track your finances. You can create a budget, monitor expenses, and set goals. MoneyTracker also allows you to track your upcoming bills and incomes, and enable you to view all your accounts in one convenient location. MoneyTracker can help you improve your overall financial health.
We currently support:
- Mozilla Firefox 2+ (Windows + Mac)
- Safari 2+ (Windows + Mac)
- Internet Explorer 7+
- Google Chrome 1+
- Add additional accounts from other financial institutions to view all your accounts in one place.
- Customize the ‘tag’ names on your transactions to get the most accurate financial picture.
- Set up monthly Spending Targets within the ‘Budget’ area to organize your tagged transactions.
- Use ‘Cashflow’ to track regular incomes and bills.
- Create specific financial targets under the ‘Goals’ tab.
If you have questions or issues with any of the above steps, reference the appropriate section of this FAQ. If you still can’t find an answer to your question, please contact support.
You can view the following items on your Dashboard:
- All uploaded accounts and balances
- Daily account transactions
- An advanced search bar to find transactions by name, date, category, etc.
- Your customizable widgets, which can include expenses, goals, budgets, bills, net worth, and more!
This is an indication of a problem connecting to your account. A blue symbol often indicates a temporary external site issue or expected maintenance. This error message should resolve after a few days. Please contact support if the issue persists. A red symbol is an indication of a login error. This can mean that your password needs to be updated, or you have security questions that need to be answered. Click the link provided in the error message to manually update your username and password. You may also be prompted with additional security questions. If your account still does not update, please contact support.
- Click the ‘ADD’ button in your left sidebar.
- Enter your financial institution’s name into the search box. Check the URL associated with the institution to make sure it is where you normally access your account(s).
- Enter your login information EXACTLY as you would when logging into your financial institution directly and click ‘CONNECT’.
- Classify your account(s) by type.
- If the specific account type is not listed choose the closest choice
- Input a custom account name if desired (this can also be edited from the Dashboard later).
- If an account is listed that has already uploaded automatically, or you see an account you don’t wish to import, you may choose to ‘Ignore this account’. Then click ‘SAVE’.
Wait several moments for your account(s) to upload. More than one account may result in a longer load time.
If you receive an error message:
- First check that your login credentials are correct and are still working directly on the institution’s website.
If you are still unable to add your account, please contact support. Be sure to provide the following information:
- The name of the financial institution you are trying to add
- The website (URL) used to access the account directly
- Also leave the partially-added attempt on the Dashboard as this is necessary for troubleshooting.
- Click on the transaction requiring a new or updated tag.
- Click the ‘x’ in the tag you wish to remove.
- Type the new tag and press ‘Enter’.
- Optional: Create a rule to apply this tag and title to all similar transactions.
- Click ‘SAVE TRANSACTION’
- Refresh the page to apply your new rule, if applicable.
Use ‘split tags’ to categorize your cash withdrawal transactions. You are unable to manually enter cash transactions, but using ‘split tags’ will allow you to break down a cash transaction into groceries, dining out, transportation, etc. Learn more about split tagging under ‘Tagging’. Learn more within our split tagging FAQ.
The Cashflow calendar is designed for planning and estimation purposes only. No real money is ever withdrawn from your account(s) in MoneyTracker. The Cashflow calendar simply uses your current daily balance and then takes into account all future income and bills that you’ve entered.
Due to changes on Capital One 360’s website, we now use an access code to bring in your accounts rather than your regular PIN. To create an access code, please follow these instructions:
- Sign into home.capitalone360.com with your Customer Number/Saver ID and PIN.
- Click the “My Info” tab.
- Navigate to the “Access Code” option under Preferences.
- On the next page, click the “Create Access Code” button.
This code will need to be used in place of your usual PIN while adding your account to the Dashboard. If you still experience difficulty getting your accounts added after following these steps, please contact support.
We welcome questions and feedback! Please use the information provided in the Help section of MoneyTracker. Kindly provide as many details as possible, including the below information as applicable:
- Which section of MoneyTracker the error is occurring in
- A detailed description of the problem
- Screenshots, if possible
- The internet browser you’re using
For account addition/update issues:
- The exact financial institution you are trying to add/update
- The website link (URL) used to access the accounts directly
- Any error messages received
- Be sure to also leave the partial add attempt on the Dashboard as this is necessary for troubleshooting
MoneyTracker supports more than 13,000 financial institutions of all sizes. If you’re having trouble finding yours, try these search tips:
- Input your financial institution’s official FULL name.
- Then try searching with the fewest words possible.
For example: Try typing one word at a time if your institution has a long name. If your financial institution has an abbreviation, (i.e. SECU) try searching under those terms as well.If your financial institution has a city name or other unique word in it, try searching only by that term (i.e. ‘Springfield’ or ‘River’). If you still cannot locate your financial institution, please contact support to verify whether it can be supported.
You do have the ability to delete accounts that you have manually added to MoneyTracker. However, at this time you cannot remove accounts that come over automatically.
- In the left sidebar of your Dashboard screen, click on the name of the account that you wish to delete.
- You will be directed to that account’s detail page. Find the small button labeled ‘EDIT’ at the top of the screen by the account name.
- At the bottom of the Edit page, you will see the ‘Delete Account’ option. Click ‘DELETE’ to permanently delete your account. Keep in mind that this will remove all custom tags, goals, etc. that are associated with this account.
You can export your transactions into a ‘CSV’ file, which is supported by most spreadsheet programs.
- On the Dashboard at the top-right of the transaction list, click the small ‘Export’ button.
- Enter the desired date range. We can export transactions back from when you began using MoneyTracker in any time span of one year or less.
- Click ‘DOWNLOAD FILE’
- A CSV file will be saved to your computer’s download folder.
Yes, you can remove transactions. These transactions will still be visible on your account directly, but will no longer show in MoneyTracker. Please note that this is a permanent action and cannot be undone.
- On the Dashboard, highlight the transaction you wish to delete and select ‘EDIT’.
- Click ‘Delete this transaction’ in the bottom right corner of the screen.
A tag is a customizable word or phrase used to categorize your transactions. This feature gives you a better idea of how you’re spending your money by tracking transactions in the same category. We will automatically pull in your most recent transactions and tag them (i.e. transportation, groceries, clothing). We suggest you edit your tags by clicking on the ‘EDIT’ button associated with each transaction. Customized tags give you a more accurate view of your budget(s), spending history and overall financial picture.
(Also known as Split Tags)
You can apply multiple tags to transactions, such as ATM withdrawals, by using the ‘split tag’ feature:
- Click on any transaction to edit it.
- Click the ‘USE SPILT TAGS’ button in the tag area of the form.
- Enter a tag and its value.
- Repeat the process for each tag, ensuring that the entire balance of the transaction is accounted for.
- Click the ‘+ADD TAG’ button if you want to split the purchase between more than two tags. There is no limit to the number of split tags you can have.
- Click ‘SAVE TRANSACTION’
If you’d like to change a transaction’s title and/or edit the tag to be applied to similar transactions, check the box in the ‘Create a Rule’ area of the transaction editor. This will allow you to choose from a number of different recurrence styles:
- Apply for transactions from ALL ACCOUNTS for ANY TIME PERIOD
- Apply for transactions from ALL ACCOUNTS for THIS TRANSACTION MOVING FORWARD
- Apply for transactions from THIS ACCOUNT ONLY for ANY TIME PERIOD
- Apply for transactions from THIS ACCOUNT ONLY for THIS TRANSACTION MOVING FORWARD
Creating rules for certain transactions, such as a ‘Check’ transaction, is not advised. It will apply that title and tag to all other checks. Please contact support if you have additional questions regarding tagging rules.
- Click on ‘Budget’ at the top of the page.
- Click on the Spending Target you’d like to edit from the list.
- At the top of the page, click the ‘EDIT or ‘DELETE’ button.
- You can change the name, amount, tags, and accounts associated with this Spending Target from here.
If your Spending Targets aren’t updating correctly, ensure that:
- The associated tags are attached to transactions posted in the current month.
- You have the proper account(s) included for each Spending Target.
- Your Dashboard tags match the Spending Target tags.
Budgets use ‘Spending Targets’ to track variable expenses. Budgets always run from the first to the last day of each month. Spending Targets are automatically color-coded based on your spending progress.
Spending Targets are variable expenses (i.e. groceries, entertainment, or dining out). These can be linked to tags, which allow you to track your monthly expenditures. Bills are recurring expenses (i.e. rent, loans, or insurance). These expenses generally have a due date. See the Cashflow section for more information. You can set up Alerts in MoneyTracker to remind you of your upcoming bills! See the Cashflow section for more information on adding your bills.
If you are having issues with your budget, please check these common causes before contacting support:
- Confirm the accounts being tracked within your Spending Target. If only your savings account is selected, but the transactions you want factored into your Spending Target are coming from your checking account, the Budget will not reflect those transactions until both accounts are selected.
- If you are using tags with two or more words, such as ‘Dining Out’, you need to track this tag using the exact format, including spaces. For example, tracking transactions listed as ‘Diningout’ will not reflect in a budget looking for tags marked as ‘Dining Out’.
If you need any further assistance managing your tags or budgets, please contact support.
Use Cashflow to get a quick glance of when your bills are due, when your paycheck is coming, and for viewing ‘safe to spend’ balances. Click ‘Cashflow’ to open the calendar and click on a day to add a new income source or bill due.
- On the Cashflow page, click the ‘Choose accounts.’ link in the box above the calendar.
- Check the boxes next to the accounts you’d like to include.
- Click ‘SAVE AND CLOSE’
Cashflow is not meant for variable income, so in order to account for possible variances input your best guess ahead of time and edit once the exact value is known. The daily balance will automatically adjust to the actual income deposited into your account. Here are some tips:
- The ‘Every other week’ option is for one paycheck every two weeks (separated by 14 days). Just choose the day of the week that you get paid.
- The ‘Twice a month’ option is always fixed on the 1st and 15th of each month.
- If you’re paid on off-dates, say the 3rd and the 18th, simply enter two separate ‘Once a month’ incomes (i.e. one on the 3rd and another on the 18th). This will allow the calendar to display your income correctly.
When creating a Goal you may choose to ‘lock’ a sum of money from being counted toward your goal. This provides an accurate reading of your current goal progress, as you may never want to leave less than the locked amount in your account. No real money is ever locked away from you by choosing this option.
- Click on ‘Goals’ at the top of the page.
- Click the ‘ADD A GOAL’ button.
- Choose between a payoff or savings goal.
- Choose which account you’d like the goal to be associated with and at what balance it will be complete. Remember you can link to external accounts if you’ve previously added them to MoneyTracker.
- Choose the date you want to have this goal completed, or how much you are able to save each month – this option will calculate a due date for you.
- Use the ‘How much do I have available to spend?’ link to view your outstanding income and expenses.
- Choose whether or not to ‘lock’ a certain balance in your account.
- Click ‘CREATE GOAL’.
- Select the ‘ADD ASSET’ or ‘ADD DEBT’ button.
- Enter in the amount of the Asset or Debt and label it accordingly.
- Save the asset or debt.
- You may also remove particular accounts from being calculated into your Net Worth total by clicking to un-check your account(s).
- Click on ‘Alerts’
- Click on ‘ADD AN ALERT’ to get started.
- Choose your Alert type:
- Account Balance
- Spending Target Exceeded
- Goal Progress
- Bill Reminder
- Large Transaction
- Specific Store Purchase
- Enter the appropriate values as prompted (i.e. account, amount, percentage)
- Choose the Alert Option(s):
- Text Message
All of your MoneyTracker alerts will appear on the Dashboard once they have been triggered. Click ‘ADD ALERT’. Please keep in mind that there is often a slight delay between triggering an alert and receiving it, as we have to wait until a transaction is posted to send.
Alerts are personalized notifications sent to your email and/or mobile device which help you keep track of your account activity. Be alerted of upcoming bills, monitor account balances to avoid fees, and review transactions of a certain amount or from a particular store.
Transfer Money is a service that allows our members to transfer funds from their NavyArmy account to another account they hold at a different financial institution. Members are also able to transfer funds from their other financial institution account to their NavyArmy account through Transfer Money.
Yes. In order to use Transfer Money, a member has to be on both accounts (NavyArmy and other financial institution) because Transfer Money allows members to transfer to and from both accounts.
Yes. There is a $0.50 transfer fee per transfer.
Yes. A minimum amount of $5.00 must be transferred.
Log in to Online Banking and select the ePay tab. Once the ePay window loads, select the Transfer Money tab. Under Transfer Money, select Add an Account’. Input your other financial institution’s account information. Once completed, within 2 business days the system will make 2 test deposits and 1 test from your other financial institution’s account. This is our way of verifying the right account is being set up. You will need to look at the transactions of the account you are adding. Once the deposits have been made, log in to Online Banking, go to ePay and under the Transfer Money section, select ‘Verify account’. To verify your account that you are adding, input the 2 deposit amounts. Once account is verified, you are able to transfer funds at any time.
The Transfer Date is the date that the money is withdrawn from the “FROM” account. Transfers are typically deposited in your “TO” account on the transfer date. Transfers may be delayed three business days depending on the transfer amount or five business days depending on the selected “FROM” account. Your transfer limits are determined based on information that we received from the consumer credit reporting agency that verified your information when you enrolled. The calendar shows the earliest available date you can make a transfer.
Limits for how much money you can transfer between accounts are established based on information you provided during enrollment. If you try to transfer an amount that is higher than your limits, a message informs you how much money you can transfer. Your transfer limits are shown in the Make a Transfer section next to the amount you want to transfer. A transfer fee may apply. The amount may vary based on the direction of the transfer. Transfers coming in may be charged a different fee from transfers going to an account at another institution.
If the transfer has not been processed, cancel the transfer. Once the transfer is canceled, schedule a new transfer to the correct account. If you’ve transferred the wrong amount, you can cancel the transfer if it has not been processed and reschedule it with the correct amount. If you have a problem with a transfer that has been processed, you can send us a transfer inquiry from the Transfer Detail page. A member service representative will attempt to resolve the problem on your behalf.
When you schedule a repeating transfer for the same “TO” and “FROM” accounts as an existing reminder you’ve set up, the reminder is removed. If email notification options are available when you set up the repeating transfer, you can select those options to receive an email about your transfer.
The automatic transfer of a specified amount of money from one account to another based on a schedule that you set up. For example, you may want to set up a repeating transfer schedule to automatically transfer $500 from your money market account to a checking account at the end of each month.
Quick Facts About Repeating Transfer Schedules:
You need to make three decisions that determine the frequency and duration of the transfers:
- When do you want to schedule the first transfer?
- How often do you want to transfer the money?
- When do you want to stop scheduling the transfers?
When you set up a transfer schedule, the transfers are automatically scheduled for the duration you choose or until you cancel the repeating transfer.
Yes. Under the Transfer Money section in ePay, select the History link and you will be able to view transfer history up to 7 years back.
You can cancel any transfer that has not started processing.
To cancel a transfer:
- Click Cancel below the transfer description.
- The Cancel Transfer page for the transaction opens.
- Follow the procedure for canceling a transfer.
Note:If you cancel a transfer that is part of a repeating transfer schedule, only the selected transfer is canceled. To cancel all transfers in a repeating transfer schedule, go to Manage Schedules – Repeating Transfers and stop the transfer.
The Transfer Reminders section lists the “FROM” account, “TO” account, amount, and date for each reminder. Reminders appear in red text if the transfer cannot be made on the date you selected for the reminder. Reminders typically expire 5 days after the transfer date.
To dismiss a reminder:
- Find the reminder you want to stop and click Dismiss.
- The Stop Reminder page opens.
- Follow the procedure for stopping a reminder. For more information, see Stopping a Reminder.
To schedule a transfer reminder:
- Click Schedule a Reminder to set up your first reminder, or click Schedule or Change Reminders to set up additional reminders.
- Manage Schedules opens on the Reminders tab.
- Follow the procedure for adding a reminder. For more information, see Adding a Reminder.
You can change the reminder options you’ve set up for a transfer. Any changes affect future reminders for that transfer.
To change a reminder:
- Click Schedule or Change Reminders.
- Manage Schedules opens on the Reminders tab.
- Select the reminder you want to change and follow the procedure for changing reminders. For more information, see Changing Reminders.
To make a transfer from a reminder:
- Find the transfer you want to make in the Transfer Reminders section and click Make Transfer. The transfer information you set up in the reminder appears in the Make a Transfer section.
- Review the transfer information and make changes as necessary. By default, this is a one-time transfer, but you can make it a repeating transfer.
- Select whether you want this transfer to satisfy the reminder you selected
- Click Preview Transfer.
- Review the transfer details and click Make Transfer.
- The Transfer Summary page opens.
- Click Close to return to Transfer Money.
- The transfer information appears in the Pending Transfers section if it falls within the next 30 days.
To stop a repeating transfer:
- On the Repeating Transfers tab, find the transfer you want to stop and click Stop Repeating Transfer.
- The Stop Repeating Transfer page opens.
- Select an option for stopping the transfers:
You can stop all pending and future transfers.
You can keep the pending transfer, but stop all future transfers based on this schedule.
- Click Stop Repeating Transfer.
- A confirmation page appears.
- Click “Finished” to return to the Repeating Transfers tab.
The transfer schedule no longer appears in the summary table on the Repeating Transfers tab.
You can change the information for any repeating transfer that you set up. The changes affect all current and future transfers.
To change a repeating transfer:
- On the Repeating Transfers tab, find the transfer you want to change and click Edit.
- Enter the appropriate changes to the repeating transfer.
- Click Save Changes.
- The Edit Repeating Transfer Confirmation page lists the transfers that will be canceled when you confirm the changes.
- Click Change Repeating Transfer to confirm the changes.
- Transfer Money creates a new transfer schedule with the updated options. Your changes appear in the summary table on the Repeating Transfers tab.
- Any pending transfers appear in the Pending Transfers section of Transfer Money.
Loan Payments is a service that allows anyone to make an online payment toward a loan using a debit card or an account from another financial institution.
No! Non-members are able to take advantage of our Loan Payments service.
If you make a loan payment by ACH (Electronic debit), or electronic check, there is no charge. If a payment is made by debit or credit card there is a $15.00 fee.
Yes. The NavyArmy account number and loan suffix are required.
Payments processed through the payment center may take up to 48 business hours to be credited to your loan.
On our website www.navyarmyccu.com in two places. At the very top, click the drop down menu LOANS and select Loan Payment. You can also find it under the tab Products & Services/Loans.
No. Simply visit www.navyarmyccu.com and access the link from the home page.
No. Each payment must be entered separately.
No, only regular loan payments can be made in Loan Payments. To make a payment toward the principle, visit any branch location.
No. You need to complete a one-time short registration process. Save your username and password for future payments.
eStatements are a quick, more economical way NavyArmy is able to provide members their account statements. Members are able to view their statements online rather than receiving paper statements through the mail. If the members would like a hardcopy of their statement, eStatementscan be easily printed at home at the member’s convenience.
No. Members are able to view their statements online for free!
Contact us by phone or visit a branch. A representative can modify your account for you.
Members can enroll themselves for eStatements through their Online Banking account. Once signed in to Online Banking, select eDocuments and the eStatement enroll option will be available.
No, activating eStatement as your delivery method will stop your paper statement from being mailed via US Mail.
Within the first week of each month.
- Go to eDocuments, select the requested eStatement, and select View.
- A PDF eStatement will load. Click the printer icon at the top of the page.
Sign in to your Online Banking account and select eDocuments.
NavyArmy’s eStatements are displayed as a PDF.
eChecks give our members the ability to view processed checks that were drawn off of their NavyArmy account.
From the Account History screen, click on the “Item number” text next to the check you want to view and the image will be displayed; or Under the eDocuments screen, select eChecks and input the check number of the check being requested to view. (Exception: NavyArmy checks cashed or deposited at a NavyArmy Branch, and checks written to a merchant that are converted to electronic payment will not be available online).
No. Members also have the ability to print check images at home. The check copy fee applies to all other types of check copy requests in person.
Yes, both the front and back of the check will be displayed.
Select ‘Print This Check’ button located above the check image.
Tel-R-Line is our Automated Response System, which allows members to access their account balances 24/7.
No, it is a free service to our members.
For local inquiries, call 361-986-4555.
For out of town inquiries call 1-800-622-3641.
Any members with an account.
Yes! Each individual must provide a PIN number in order to access account information.
Yes. A member’s PIN may be changed at any time.
A member service representative or contact center agent may assist you in changing your PIN number.
Yes! Tel-R-Line is available to our members 24/7.
Overdraft protection is protection for your checking account using your own funds. NavyArmy Community Credit Union will transfer funds from your savings account to your checking to help clear an item. The fee we charge you for this feature is $4.00.
Courtesy Pay is a service that allows NavyArmy Community Credit Union to pay an item for you placing your account in the negative up to $500. To extend the Overdraft Privilege service to your ATM and everyday debit card transactions, you must first give us your permission— without this coverage, your NavyArmy Community Credit Union ATM withdrawals and everyday debit card transactions will be declined if you do not have sufficient funds in your checking account or alternative forms of overdraft protection.
The fee assessed for everyday Debit Card and ATM transactions is $25.00.
The fee for ACH and Check transactions is $30.00
Courtesy Pay may not be working on your account if your loans are past due.
The withdrawal limit for NavyArmy ATMs is $500.
The fee charged for using a non NavyArmy ATM is $1.50 effective 2/1/2015.
The routing number for Navy Army Community Credit Union is 314 978 543.
Please provide the following to the institution to wire funds to Navy Army Community Credit Union.
- Routing number 314978543
- Your account number
- Your physical address
The fee for sending out a wire is $17.50. We do not charge you to accept an incoming wire. Outgoing wires are sent out at 11am and 2pm. We accept incoming wires at 11am, 2pm, and 4pm. We do not send out international wires.
Log in to online banking. Once you are logged in you will find the option to place the stop payment under Access Accounts. The fee to place a stop payment is $20. Once you request the stop payment, it will take 24hours to be placed on your account.
You have several options to make a loan payment.
- In Person- Loan payments can be made at any Navy Army Community Credit Union branch.
- By Mail- Send to Navy Army Community Credit Union at PO Box 81349 Corpus Christi, TX 78468.
- Over the Phone- Contact Center can assist you with a recurring payment pulled from your other financial institution.
- Online Banking with NavyArmy- Transfer monies from your NavyArmy checking/savings account to your NavyArmy Loan.
- Online @ Loan Payment Center- You may also register online at our website to make your payments month to month with a check by phone or by debit/credit card for a fee.
- With another financial institution- You may be able to set up Navy Army as a biller through your financial institution’s bill payer. Simply provide your institution with your NavyArmy loan account information.
There is several ways a transaction can clear your account. For specific information regarding your account, please contact our Contact Center at 361-986-4500/800-622-3631. You may also visit the nearest branch for further assistance.
Federal Regulation D places a monthly limit on the number of transfers you may make from your share savings accounts or money market accounts (mmas) without your physical presence being required. Transfers affected by this regulation therefore include:
- Transfers made using online banking
- Transfers made using tel-r-line
- Overdraft transfers (made automatically to cover nonsufficient funds in other accounts; see below)
- Transfers made by a call center representative on your behalf
- Pre-authorized, automatic, scheduled or recurring transfers (see below)
- You are allowed six such transfers per month, per account.
The following transactions are not affected by Regulation D:
- ATM transactions
- Transfers made to NavyArmy loans.
- Transactions done in person at a branch (including shared branches)
- Transactions sent in by mail, express drop, or night drop with an original signature
- NavyArmy bill payer (which uses funds from your checking account)
You may complete withdrawals and transfers in person, by mail, or at an atm.
No, if the overdraft protection account is a share savings account or mma. In that case, you will receive a notice by mail and incur a nonsufficient funds change for every overdraft attempted beyond your monthly limit.
Yes. These payments (which you might know as “ACH” or “EFT” transactions) follow Regulation D limitations. Any withdrawals attempted beyond your monthly limit will not be honored, and you will receive a notice by mail and incur a nonsufficient funds charge. To avoid this situation, make automatic payments using something other than a share savings account or MMA, such as a checking account. Contact the merchant to arrange this change, and be aware that your request could take more than a month to go into effect. Alternatively, consider using NavyArmy bill payer to automatically send payments to the merchant, rather than authorizing the merchant to automatically withdraw payments.
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