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Most Frequently Asked Questions

Click any dropdown menu on our website and find it in the right-side toolbox, or in the footer of any page. Loan Payments is also available on the Mobile Banking app and Online Banking under Transactions.

You have several options to make a loan payment.
• In Person at any NavyArmy Community Credit Union branch;
• By Mail to:
NavyArmy Community Credit Union
PO Box 81349
Corpus Christi, TX 78468;
• By setting up a recurring payment pulled from your other financial institution. Call 1-800-622-3631 to set up;
• Through Online Banking or the Mobile Banking app. Transfer monies from your NavyArmy checking/savings account to your NavyArmy Loan;
• Through the Loan Payments service to make monthly payments by ACH (electronic debit) or using a debit or credit card for a fee;
• Or you may be able to set up NavyArmy as a biller through your other financial institution’s bill payer. Simply provide your institution with your
NavyArmy loan account information.

Renewal debit cards will be mailed a month prior to expiration.

Visit navyarmyccu.com, click on LOG IN (top right corner) then enter your Login ID. You will then click on “forgot your password?” and follow the prompts to reset.

Log into Online Banking, then click MENU (top left corner), click on Services, and then Add External Account. Step 1: Add Your Account (other financial institution account information) Step 2: Verify Your Account (once you receive the amounts of your micro deposits, you will log back into Online Banking, go back to Add External Account and enter the amounts to activate your external account).

Log into Online Banking and click on Menu. Under Services, click on Statements, and then Paper Statements. Then make your option. You will then need to contact us directly at 361-986-4500 to update on our side.

Your Available Balance is what is actually available for you to spend, your Current Balance is the available balance plus any pending transactions on the account.

Checking

You can export transactions from the Account Details page to a file format that you select. Export formats vary depending on the settings. Currently, you can export in online banking, but not mobile banking.

To export transactions from the Account Details view:

  1. (Optional) On the Account Details page, narrow the results by either searching transactions or using filters () to select transactions with specific conditions.
  1. Click the export icon ().
  1. In the export drop-down list, click an export format. Depending on your configuration, formats may include:
    • Spreadsheet (XLS)
    • Spreadsheet (CSV)
    • Microsoft (OFX)
    • Quicken (QFX)
    • QuickBooks (QBO)
  1. Depending on your browser settings, one of the following happens:
      • If your browser automatically saves files to a folder, the file is saved in that folder. Open the folder to view the exported file.
      • If your browser is configured to prompt for the folder for downloaded files, you are prompted to specify the location to save the exported file.
  1. Click or tap the exported file. The transactions appear in the current sort order on the Account Details page.

The withdrawal limit for NavyArmy ATMs is $500.

A member must be 16 years of age to be eligible to receive a debit card.

Renewal debit cards will be mailed a month prior to expiration.

Call 1-800-992-3808 from the phone number on file with NavyArmy.

Log on to your Online/Mobile Banking Account. Under the Services menu, select Check Reorder and follow the prompts. You can also order checks directly through our check provider- Harland Clarke by calling 877-585-8777.

Log in to Online Banking. Under Services click on Stop Payment. The fee to stop payment is $20. A stop payment takes 24 hours to be placed on your account.

Please call NavyArmy at 1-800-622-3631 and a representative will get the appropriate documents sent to you.

Dividends will be posted on the last day of the month. Qualifying transactions must post and clear during the activity cycles listed below:
2020 Qualification Cycles:
January 12/31/19 – 1/30/20
February 1/31/20 – 2/28/20
March 2/29/20 – 3/30/20
April 3/31/20-4/29/20
May 4/30/20-5/30/20
June 5/31/20- 6/29/20
July 6/30/20 – 7/30/20
August 7/31/20- 8/30/20
September 8/31/20-9/29/20
October 9/30/20 – 10/30/20
November 10/31/20 – 11/29/20
December 11/30/20 – 12/30/20

No. A member is allowed one (1) Liberty Checking account per household.

No. Liberty Checking is only available for personal accounts.

Yes. Opening a savings (share) account establishes your membership with NavyArmy.

Savings

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 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 Bill Payment in Online Banking to automatically send payments to the merchant, rather than authorizing the merchant to automatically withdraw payments.

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.

No. There Is no fee to join!

Loan Payments

No. You need to complete a one-time short registration process. Save your username and password for future payments.

No. Each payment must be entered separately.

Payments processed through the loan payment center may take up to 48 business hours to be credited to your loan.

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.

No. Non-members are able to take advantage of our Loan Payments service.

Click any dropdown menu on our website and find it in the right-side toolbox, or in the footer of any page. Loan Payments is also available on the Mobile Banking app and Online Banking under Transactions.

You have several options to make a loan payment.
• In Person at any NavyArmy Community Credit Union branch;
• By Mail to:
NavyArmy Community Credit Union
PO Box 81349
Corpus Christi, TX 78468;
• By setting up a recurring payment pulled from your other financial institution. Call 1-800-622-3631 to set up;
• Through Online Banking or the Mobile Banking app. Transfer monies from your NavyArmy checking/savings account to your NavyArmy Loan;
• Through the Loan Payments service to make monthly payments by ACH (electronic debit) or using a debit or credit card for a fee;
• Or you may be able to set up NavyArmy as a biller through your other financial institution’s bill payer. Simply provide your institution with your
NavyArmy loan account information.

Online Banking

Visit navyarmyccu.com and click on LOG IN. On the log in screen, click Enroll Personal and follow the prompts. To enroll a business account, please contact us directly at 1-800-622-3631.

Visit navyarmyccu.com, click on LOG IN (top right corner) then enter your Login ID. You will then click on “forgot your password?” and follow the prompts to reset.

Call us at 1-800-622-3631 and so we can unlock your Online Banking account and provide a system generated temporary password.

Yes, in Online Banking, click on Services, and then Statements. This is a free method of reviewing statements.

Log into Online Banking, then click MENU (top left corner), click on Services, and then Add External Account. Step 1: Add Your Account (other financial institution account information) Step 2: Verify Your Account (once you receive the amounts of your micro deposits, you will log back into Online Banking, go back to Add External Account and enter the amounts to activate your external account).

Log in to your Online Banking and select Transactions and Bill Payment and follow the prompts. Call 1-800-622-3631 if you need assistance.

You cannot use Bill Payment to pay any company or person with an address outside the United States or its territories. You can use Bill Payment to make state and federal tax payments and court-ordered payments; however, such payments are discouraged and must be scheduled at your own risk.

Member Service can be reached at 866-963-2198 between the hours of 6am to 12am CT seven days a week.

Send Money is a fast, safe, inexpensive way for you to send personal payments to someone using their cell phone number or email address without having to exchange any personal account information. Members will be charged $0.50 per transaction. Send Money can be found in Online or Mobile Banking under Services.

There is a daily limit of $500, and up to three transactions per day. Four transactions allowed per week.

This depends on the recipient’s preference to receive the funds. If they select to receive by an active debit card, it could be instant. If they select to enter their bank account and their bank’s routing number, it could be 3-5 business days.

No, currently you can only send money within the United States.

Log into Online Banking and click on Menu. Under Services, click on Statements, and then Paper Statements. Then make your option. You will then need to contact us directly at 361-986-4500 to update on our side.

Your Available Balance is what is actually available for you to spend, your Current Balance is the available balance plus any pending transactions on the account.

Bank By Phone

Call 1-800-622-3631 so a member service representative may assist you in changing your PIN number.

Bank by Phone is our free, Automated Response System, which allows members to access their account balances 24/7. Access by calling 1-800-622-3641.

Early Pay Day

NavyArmy recommends that loan payments post on the regularly scheduled pay date to ensure the transfer takes place. NavyArmy cannot control when a Direct Deposit will post with the Federal Reserve.

Early Pay Day is not a credit, loan, or an advance. Loan payments and loan payment due dates will not change with Early Pay Day and loan payments will be due on their normal due dates. You can also setup alerts in Online Banking that will notify you when your loan payment is due and when it has been paid from your account.

Members that have set up Direct Deposit to NavyArmy will automatically receive the benefit of Early Pay Day. In order to receive this service, first verify that your employer offers Direct Deposit and complete the necessary paperwork provided by your employer. For assistance in completing the paperwork, you may call NavyArmy at 1-800-622-3631 or visit a branch near you.

NavyArmy receives notifications at 7:00am, 11:00am, and 3:00pm, Monday-Friday, excluding Federal holidays.

Fraud, Lost Or Stolen Card

Immediately call 1-800-622-3631 to report the card lost or stolen.
If after 5pm CST or on a weekend, call 1-800-472-3272

The cardholder will be contacted at the number on file.

To enroll, please respond “YES” to the initial enrollment request text message.

You will call EnFact at 1-877-253-8964 for English and 1-877-273-5901 for Spanish.

Enfact, our Fraud Monitoring System. It is important that you respond.

Please see a member service representative to dispute the transactions.

Locations

To access your accounts at Shared Branches, you will need your NavyArmy account number and a valid photo ID.

To find ATM and Shared Branch locations near you,
visit https://co-opcreditunions.org/ or 1-888-SITE-CO-OP (888-748-3266)

NavyArmy members can perform transactions at over 5,000 Shared Branch locations, including deposits, loan payments, loan advances, and much more, all without incurring any service fees.

New Year’s Day – Wednesday, January 1st
Martin Luther King Jr. Day – Monday, January 20th
President’s Day – Monday, February 17th
Memorial Day – Monday, May 25th
Independence Day –Saturday, July 4th
Labor Day – Monday, September 7th
Columbus Day – Monday, October 12th
Veteran’s Day – Wednesday, November 11th
Thanksgiving Day – Thursday, November 26th
Christmas Eve – Thursday, December 24th- closing at 2pm
Christmas Day – Friday, December 25th

Membership

Yes. You must have a Social Security Number 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.

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, visit navyarmyccu.com and click on Open an Account at the top.

Resources

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.

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/Mobile Banking
• Transfers made using Bank by Phone
• 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.

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.

You will need a copy of the death certificate. Verify if beneficiary(s) are on file. If they are not, a Letter of Testamentary is also needed, a copy of beneficiary(s)/assigned individual’s valid ID and instructions on where to mail the check.

No, NavyArmy does not do any foreign currency exchange.

Yes. Non-members are able to do cash advances at any branch with no charge from NavyArmy.

NavyArmy only cashes checks that are drawn off of NavyArmy accounts for non-members.

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 $20. 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.

Your account numbers can be found in your statement under "Statement Summary" or you can contact a Member Service Representative.

Simply log in to Online or Mobile Banking, click on Services and Update Contact Info. Or you can download and fill out the address change form at navyarmyccu.com under Form Downloads and email it to info@navyarmyccu.com. You may also visit any branch.

314978543

Careers

• NavyArmy checks criminal background
• Conducts Drug Screening
• Performs Reference Checks

Download an application from our Media Center, fill it out and drop it off any one of our locations.

You will receive an email notification, but please don’t let that stop you. We are always looking for great candidates and you can try again.

Yes. NavyArmy offers tuition reimbursement.

Log into HireCentric and view the position you submitted an application for and you will see a status from our recruiters.

Yes. If you are hired, NavyArmy will provide you with the training that is necessary for your position.

The minimum required education for all positions is a high school diploma or equivalent. However, there are certain positions that require a college degree.

Candidates must be 18 or older.