Please visit Branch & ATM Locations for more information
Complete the Address Change request form and return to NavyArmy.
New Year’s Day – Tuesday, January 1st 2019
Martin Luther King Jr. Day – Monday, January 21st
President’s Day – Monday, February 18th
Memorial Day – Monday, May 27th
Independence Day –Thursday, July 4th
Labor Day – Monday, September 2nd
Columbus Day – Monday, October 14th
Veteran’s Day – Monday, November 11th
Thanksgiving Day – Thursday, November 28th
Christmas Day – Wednesday, December 25th
New Year’s Day – Wednesday, January 1st 2020
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/
Shared Branching CO-OP Location Information: 1-888-SITE-CO-OP (888-748-3266)
NavyArmy member can perform transactions at the over 5,000 Shared Branch locations, including deposits, loan payments, loan advances, and much more all without incurring any service fees.
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.firstname.lastname@example.org
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.
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
You can order checks by logging 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. Or you can stop by or give us a call at 800-622-3631.
Our routing number is 314978543.
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.
Yes, select “Forgot your password?” on the login page and follow the steps to reset your password.
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 12 months 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, another NavyArmy account or to their external accounts. In order to transfer to another NavyArmy account, recipient must also be enrolled in Online Banking.
No! Our online banking service is free to our members.
Yes! Members are able to access their accounts online.
If you are a Quicken® user, Quicken downloads from NavyArmy will be available on May 1, 2018.
Download the detailed instructions below and save your current Quicken® information.
Quicken Instructions for Windows
QuickBooks Instructions for Windows
QuickBooks Instructions for Mac
Quicken Instructions for Mac 2007
Quicken Instructions for Mac 2015
Our Contact Center will be available from 7am – 7pm on the week of the upgrade. Please check the website for updates and timeline of our launch.
Bank by Phone is our Automated Response System, which allows members to access their account balances 24/7.
For local inquiries, call 361-986-4555.
For out of town inquiries call 1-800-622-3641.
No, it is a free service to our members.
Any members with an account.
Yes! Each individual must provide a PIN number in order to access account information.
A member service representative or contact center agent may assist you in changing your PIN number.
Yes. A member’s PIN may be changed at any time.
Yes! Bank by Phone is available to our members 24/7.
Send Money 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! This can be done by the recipient entering their debit card for a real time deposit or they may use their routing and account number to go through the ACH Network.
Members will be charged $0.50 each time they use Send Money.
Yes. You only need to know the cell phone number or email address of the person you want to send money to. The non-member must have a valid debit card or routing and account number.
No – there is no fee to receive money.
There is a daily limit of $2500 a day and there is also a limit to the amount of times you can send money a day which is 3. The minimum amount you can send is $1.00.
The transaction processes as a debit card transaction. If there is not sufficient funds in the account and courtesy pay is not enabled, the transaction will decline. If courtesy pay is enabled the transfer will be approved and the fee will be charged immediately.
Send Money transactions can be processed through Debit Card or ACH Network. The transaction history will show as “TX Corpus Christi 2730 Rodd Field RoaUSNavy Army Commun.”
There is no cut off time if the recipient enters a debit card to receive the funds. There is not a cut off time.
You can send money to someone using his or her email address, or mobile number. The recipient will then enter either their debit card number or routing and account number information. If the recipient enters a debit card number the funds are transferred in real time. If the recipient enters their routing and account number the funds would be deposited by the ACH Network which is typically 3-5 business days.
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.
This depends on the recipient’s preference to receive the funds. Based on their selection, it could be instant or 3-5 business days.
The funds would be debited from the Sender’s account the moment the Send Money request is sent to the recipient.
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 the transaction before the funds are collected by the recipient. This request can only be completed by the Contact Center and Payment Systems department. Please contact us immediately if you are wanting to cancel the transaction- 1-800-622-3631.
No, currently you can only send money within the United States. If you send money to your recipient’s email or mobile, your recipient 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.
Not at this time.
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. You will not be able to see the recipient’s account information either.
External Transfer is a service that allows our members the ability to transfer funds from their NavyArmy account to another account they hold at a different financial institution. Once an external account has been added and verified, members will be able to transfer funds to their other financial institution from their NavyArmy account through Funds Transfer page within Online/Mobile Banking.
Yes. In order to use the External Transfer service, a member has to be an account owner on the external accounts and verify the account initially via micro deposits (NavyArmy and other financial institution) the deposits verify your ownership of the account and that any future transfers to that account will process correctly.
Yes. There is a $0.50 transfer fee per transfer.
No, there is not a minimum amount to transfer!
Log in to Online/Mobile Banking and from the menu select Services, Add External Account. Follow step one and enter in your Account Number, Account Type and Routing Number. Two micro deposits will be sent to the account indicated, within 5 business days. Once the deposits are received at the outside financial institution, the member will need to return to Digital Banking under Services, Add External Account and complete Step Two by selecting the hyperlink to enter the micro deposit amounts to complete the process. Once the account is verified, you are able to transfer funds at any time.
Transfers may be delayed three business days depending on the transfer amount or External account transfers will be processed each business day.
Limits for how much money you can transfer between accounts are established by the NavyArmy as $15,000 per transaction, $15,000 per day, $30,000 per month. If you request a transfer higher than your limits, a message informs you how much money you can transfer. A transfer fee of 50 cents will apply.
If the transfer shows as authorized in the online activity and has not been processed, you can choose the action item and 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, select Transactions, then Online Activity, by selecting the Action drop down for the processed transaction, you can select ‘Inquire’ to send NavyArmy a message and a representative will attempt to resolve the issue.
You can cancel any transfer that has not started processing and shows in the Authorized status.
To cancel a transfer:
- Navigate to Transactions > Online Activity.
- Select Single Transactions.
- Select the Action drop down for the transaction you would like to cancel.
- Confirm Cancellation message will prompt. Select Confirm.
- Cancellation Successful message will appear.
- The transaction will show as ‘Cancelled’ in the Online Activity.
Note: If you cancel a transfer that is part of a recurring transaction schedule in the Single Transactions tab, only the selected transfer is canceled. To cancel all transfers in a recurring transaction schedule, select the Recurring Transactions tab and select Cancel Series.
Yes, select Transactions, select Online Activity. To view a single transfer select the Single Transaction tab, to view the series of transfers, select the Recurring Transactions tab.
You are unable to modify the transaction that is pending/authorized. You can however, cancel the specific transaction from the Action drop down, then from the action drop down select ‘Copy’. This will copy over the details of that transaction in the Funds Transfer page. This will allow the ability to modify any aspect of the transaction.
A recurring transaction allows for an automatic transfer of a specified amount of money from one account to another based on the schedule that is chosen. If you would like to set up a recurring transaction in Online/Mobile Banking, select ‘make this a recurring transaction’ option on the Funds Transfer page, select the frequency and indicate the stop and end dates.
Quick Facts About Repeating Transfer Schedules:
You need to make three decisions that determine the frequency and duration of the transfers:
- How often should this transfer repeat?
- What is the start date of the first transfer?
- What is the end date or will this repeat forever?
When you set up a recurring transaction, the transfers are automatically scheduled for the duration you choose or until you cancel the series.
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!
Once logged into Online Banking, within the Statements option you have the ability to discontinue electronic delivery. Select Paper Statements and the account you would like to begin receiving paper statements. You can also contact us by phone or visit a branch and a representative can modify your account for you.
Primary members can enroll themselves for eStatements through their Online Banking account. Once signed in to Online or Mobile Banking, select Services and then select Statements, you can then enroll in eStatements.
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.
- Login to Online Banking, select “Services” tab and press “Get Code”; a new window will appear displaying code.
- Enter the code provided exactly as it appears and select verify.
- If this is your first time, you must select “Home” on the left menu and select “I Accept”
- A new window will appear, and you be able to view your Statement.
Sign in to your Online Banking account and select Services, then Statements from the menu.
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.
Bill Payment 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 Bill Payment or log in to your Online Banking and select Transactions and Bill Payment to and follow enrollment options.
Members must have a checking account to be eligible for Bill Payment services.
There is no fee for members to use our Bill Payment service!
Bill Payment sends payments electronically whenever possible. If the company or person cannot receive electronic payments, Bill Payment 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 Bill Payment. 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 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.
Log in to Online Banking and select Bill Payment under the Transactions menu. Once the Bill Payment window loads, if this is your first time using Bill Payment, the system will prompt you to begin adding a bill. If this is not the first time using Bill Payment, 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.
Bill Payment uses several methods to ensure that your information is secure. Bill Payment uses SSL (secure sockets layer) which ensures that your connection and information are secure from outside inspection. Bill Payment uses 128-bit encryption to make your information unreadable as it passes over the Internet. Bill Payment 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 Bill Payment.
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, Bill Payment 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 Bill Payment Member 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.
Bill Payment’s ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. Bill Payment 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 Bill Payment Member 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, Bill Payment 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
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 Bill Payment more accessible to assistive technology users.
The following features may help you navigate Bill Payment 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. Bill Payment does not send the note to the company or person with your payment. You can add a note to any payment in Bill Payment. 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 Bill Payment sends to the company or person. You can only add a memo to payments that Bill Payment 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.
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/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.
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.