Navy Federal Credit Union App Reviews

By far the best mobile financial app!. I have several financial accounts at various institutions and can say hands down that the NFCU mobile app is far superior to all others. Very intuitive UI and supports most banking functions so you never have to resort to signing in with a web browser. Supports biometric authentication making signing in a breeze. The only knock I have is that they should simplify the process for placing a travel notifications on multiple cards (e.g. credit & debit) at once. At one point the UI supported this but was modified to require setting the notification of each card independently. This is cumbersome because you have to re-enter the same travel dates and destinations for each card separately which is time consuming and in most cases each card will be traveling to same destination on same schedule as the card holder so allowing users to select multiple cards for the same trip would be nice. That said, I still really love this app and wish other financial institutions had as comprehensive and polished a mobile app as NFCU.

Profits are their mission. Been with this bank for decades. Have relentlessly had issues with them. You’ll never get their advertised rates and they’ll never match the competitions rates. Navy federal has all the same little asterisks next to anything as any other bank. Financed multiple cars with them and there’s always a problem. They lost the title and suddenly it’s my problem. When the State title agency says only the legal owner can request a replacement title that is again my problem. Since they lost the title they’ll convert the loan to a consumer loan at credit card interest rates. Dealership I bought the car from supplied me with copies showing that the title was mailed and filled out as per Navy feds instructions. Last time shopping around for a car a local bank with whom I had never done buisness with before beat their rates so bad they called them (TTCU) a scam bank. Mortgage’s are the exact same. Only reason I still have an account with them is for the length of credit history. I will never again use navy federal for anything.

Everything is great except one thing. This app is awesome and has almost everything I need in life except one thing. Unfortunately, that thing is something they could have simply had there the whole time like other apps. The balance that is left in account after each transaction. That would be great to see along side how much I or my spouse spent. My spouse is a visual person and needs to see that type of thing in order to be a better financial person. They have ADHD and therefore doesn’t like doing the extra work of calculating on paper how much they have spent and left behind after every transaction. Now I know it shows in the app, the balance left all together in the checking account. However, once money is added to the account, it is hard to tell how much was left after spending before the money was deposited from our jobs. Which is something I desperately need my spouse to see since they think they are not the ones spending most of the money in the account. If navy federal could make things easier for spouses married to those with ADHD and ADD, that would be amazing.

(Updated review) Ipad app not working until I changed my user name. Updated review of just the app: The latest iPad app wasn’t letting let me log in because it says my credentials don’t match the records on file. But I can log into the website and my iPhone app with the exact credentials. Yes, I’ve got the latest iOS installed and tried uninstalling and reinstalling but still doesn’t work. I even changed my password a couple times to see if it resolved the issue (no, it didn’t). After working with a NFCU tech support, I noticed that the app was changing my user name to something else. Tech support thought it could be the app pulling some old information. What I figured out is that the new iPad app only likes letters and numbers, not symbols. After changing my user name to only letter and symbols, the iPad app finally allowed the log in. It’s still odd that ONLY the iPad app had this issue and not on the iPhone or the website. Maybe devs can look into this. Besides the technical issues, I still prefer the old app and the way they looked and performed. The new app doesn’t allow me to see more at one time and I end up having to scroll further down to find something. As far as customer service, NFCU is still top notch in my book.

Beyond Expectations. This Credit Union will take care of You and has your back All the way through. PNC, Chase, Bank of AMERICA, TD, I've had them. And they tend to be a jumbled mess and treat you like the same, from what their perspective is, as a ”Peasant” limping in off the streets. They make there hundreds to thousands of dollars off of you through Late fees and Interest and wait for the next $20,000 a year Annual earning man or women who walks through there Billion dollar a year earning double-doors. Navy Federal, seems to actually Treat you like you matter. Your Worthy of at least a Chance to have a and reliable and comfortable financial existence for your Service and Hardship that you’ve done for this country. And the App is downright Silk and Butter. Open, 4 digit password, Pay, see ALL activity within less then 30 seconds slight of one hand. And the customer service is amazing. They seem to treat you like your apart of a family. And you honestly are. We all cried, bleed, hurt during our times in the Uniform and Navy federal understands that. Navy Federal Credit cards, Loans, all are given to your person with a Very generous Amount and Very low Interest. I will be with this Credit Union until the end. Thank you Navy federal! I recommend this Union to ANY in-service or veteran!

Recurring problems with addresses and mailing new cards. In the past I have requested a new card several times to an address that is reflected on my account, and it never arrives. I have to go to a branch location to get it. More recently, during a security procedure over the phone, reps asked for my address. I gave what I knew was reflected on my account and they said it wasn’t correct. I resolved the issue once again by driving to a branch location to resolve the problem and while there I asked them what address the reps were expecting to be told during the security procedure, and they said the exact one I said during said procedure where they ask for your address on the account over the phone. There must be a problem with the address information synchronization within their system or something, and this causes patrons a huge headache, and no one takes it upon themselves to investigate the problem and resolve it systemwide, they just throw their hands up and say we’re sorry for the inconvenience. No personal agency to resolve problems whatsoever.

Great app but........ This app is awesome and allows you to control and do almost any and everything related to your account. You can even freeze and unfreeze your debit card if you lose it and find it later or until you have it replaced. I only have two complaints: 1) Sometimes the app and website show different info. Although my balance is the same, the scheduled transactions that show on my computer through the website aren’t showing up in the app on my phone. 2) In-process and pending transactions should show in the scheduled transactions list on the account page so you’ll know to deduct them from your available balance. Today I noticed my in-process transaction wasn’t showing up in the scheduled transaction list. This could be a major issue because if you forget about it and if you don’t check the bill paying tab you could think you have more than what’s available to spend.

Great company infuriating decisions.. I was trying to deal with an urgent financial situation and the app forced me to fill out several detailed security questions to “protect me” some of which I wasn’t 100% sure on my answer and wouldn’t be sure I would type the exact same thing next time it asked. Worse yet I was not in a position to write down or type up these answers for later review. In the event I need them I will likely have trouble. While I got through the situation it was a huge inconvenience at the moment and it made me so much more mad when I tried to sign in online via the web browser on my phone and it forced through the same process there too! Thanks for trying to make me safe but don’t ever withhold someone’s ability to move their funds without performing functions that easily could have waited until next time they signed in. Huge hit to your credibility on this one. How long until I am locked out of my account again until I perform some other tasks you want for “my protection?” I’ve already got two factor authentication turned on and facial recognition enabled. Why the hell is it so urgent to know what my mothers maiden name is. It could have waited Navy. It could have waited.

Latest update is a step backwards in usability. The 6.9 update follows the annoying trend of adding empty vertical white space to the information presented. Now, instead of seeing 4-5 transactions when I first open my checking account, I see only two. Scrolling to fill the screen with transactions presents far fewer than were visible previously, meaning it takes longer to find what I was looking for. This is not only not an improvement, it is a big step backwards in the usefulness of the app. I’d like to see the polling numbers on how many requests you had to present less information on the screen, because I have a hard time imaging that a significant number of users requested that fewer transactions be visible at a time. Just because something is trendy in UI/UX design doesn’t mean it is what users want or need. Users like large screens because it allows more stuff to be on screen at a time, not because they like to look at empty spaces.

Mobile Deposit. First let me say I have never written a review in my life. Love everything about the app, but because I’m 2 hours away from my nearest Navy Federal Branch, I have to resort to mobile deposits. Every. Single. Time. I try to deposit any amount of check I am constantly hindered and bombarded with the error of “the numbers at the bottom are blurry”. Every single time I try it as instructed. Every time I try at every single angle, background, lighting, and any other type of condition you can think of in order to deposit. These deposits generally take anywhere between 15 mins to 2 hours or the next day or two because I give up on trying to deposit via this feature. Please all I ask is that this is looked into, this is the most irritant most hassle I have ever gone through to make a deposit each time. (And every single photo is as clear as day, the most legible HD photo you can get, a photo that can be read and understood microscopically by the human eye, but apparently not a digital program/computer)

One Of The Best Banking Apps & Banks In The US. My name is Sage Pitre better known as YouTuber, Boxer, Motivational Speaker, & Public Figure: Lit Wichi. I love this app & Navy Federal so much , they make banking as easy & accessible as possible. Everything you need is literally a few clicks away, the also makes sure you are doing well & finding everything fine , or need any further help. The only thing I want that’ll make Navy Federal & their app better is quicker deposit when turning in funds, or accepting funds. This would make the app better because I won’t have to worry about stressing if I’ll have all the money to pay my bills, finical needs, & wants in the time that they need it. Other than that I love Navy Federal & all the different offers they have , and the process for signing up is quick, easy, & very understandable. If you want a great bank & banking app download the Navy Federal app & bank with Navy Federal! , Sincerely Sage Pitre aka Lit Wichi

Suggestion. Love the app, it serves its purpose, not too excited about the recent updates, I thought it was just fine before but I do have a suggestion, i'm always wondering how much money I’ve spent in a certain period of time but to do that I have to pull up a calculator and bounce back and forth between the app and the calculator and it’s inconvenient, I would like to see an in app calculator where I could possibly click on certain expenses on my statement and it would add them together in real time based on whether they are a negative or a positive transaction and then maybe an algorithm that breaks those expenses down into a daily, weekly, or monthly average, it would give me view on how much money I am spending on certain things in certain time periods, I think it would greatly help myself and others budget finances and get an outlook on spending habits... hope this gets through to someone i’m pretty sure I made this suggestion a few years back as well Update: Navy federal has responded by email to my suggestion above and stated they’ve shared this with their technical team, I’ll probably keep my rating at 4 stars until they add this feature but it would be pretty awesome if they did

Running balance is not accurate!. I love being able to bank with an app on my phone, but one feature in this app is driving me crazy! When you pay your bills through bill pay the running balance is not accurate. Up until the day of the bill payment you can see the amount of your bill payments in Bill Pay. But once you get to the day of payment, the list of what bills are being paid disappears completely until then payment clears the bank at midnight! It is NOT in Bill Pay or as a pending transaction in your account! If you pay multiple bills all on the same day and can’t remember exactly how must they totalled you could very easily overdraw your account! This needs to be fixed. Immediately either keep the pending payments in Bill Pay for an extra day, or show them as pending in the account the same way you would with a debit card payment. This should not be a difficult thing to do and the only reason I can think of for NFCU not doing this is so that they can collect overdraft fees. Note: I have NOT overdrawn my account. I just see the potential for it to happen to many people and I want it to be fixed. Pronto.

One step from a 5 star. This is an honest review. I currently belong to two credit unions - The one I grew up using and then most recently Navy Federal. We will just say a couple things non app related but are essential to say. Navy federal’s customer service far surpasses all my and my wife’s expectations. That goes for app support as well. There have been times where we have needed help and just being able to call in and talk to an actual human being goes a long long way. This app is loaded with resources that help you in the app as well as redirect you to their website for more information. But the amount of things you can do in this app is incredible. The UI is intuitive and is fairly easy to maneuver around in. My only complaint (and its really not a big deal because you can do it from the website but it should be a feature in the app in a future update) is the ability to transfer a $ amount directly towards principle when it comes to the mortgage. On the website this is an option which obviously is helpful - I think that the user experience could greatly benefit from having this ability. Thanks Navy Fed, keep up the great work!

Hello Developers. NFCU is an outstanding financial institution, but this app is aggressively bad. It cannot remember or process login credentials even after many months of this problem being known and pointed out. This seems like a very basic function to have down. How does this even get messed up and approved for release in the first place? Is there no function test? Work-around for fellow users: Touch ID, etc., is useless because the app won’t remember you. If you close the app and immediately reopen and try to use Touch ID it will tell you that you haven’t signed in for a long time and that your password is needed. Literally 1 second after you just closed the app. It will also reject your password as being wrong. Your password is not wrong; you need to navigate the menu and select the option to sign in as a different user. From there, and only there, you can log in with your credentials. Pardon the pointedness, but this is a stupid problem to have. And to have gone on for so long. Nobody cares about the color scheme. Listen to the first-hand user experience and fix the actual problems.

Good enough. I only use the app with the sole intention of checking my transactions from time to time to see if anything suspicious pops up. For a while now it’s been perfect. Everything I need to know is there and easy to understand. HOWEVER, that pretty much changed thanks to this new app update. For whatever reason, I have to dig through more menus to get to where I want and when I do find what I want, it tells me that there’s no history even though there was history before. Also, the app loads WAY to long now. I have to sit for 5 minutes just for stuff to load whereas before it was very quick. I understand that updating apps are “necessary” to keep thinks safe and secure, but please don’t make it to where it impacts userface interactions. UPDATE: A patch got released that fixed the loading and history issues. So no more problems there.

Missing Standard Banking App Features. The NFCU app allows customers to access the basics but there are a few features that need to be updated. -When the app sends notifications to your cell phone there is no indication of the reason for the notification. When users click on the alert and the app opens up, it doesn’t take you to the reason for the notification (ie. withdrawal, paperless bill ready for view, etc.) Users have to look at each account and try to figure out why they are receiving a notification. -Bill pay only allows payments to be made using the checking account. Other banking apps allow users to pay bills using checking and savings account funds. NFCU forces users to transfer to checking and then pay bills. -Transfers between the users own NFCU accounts are not immediate. This includes low dollar amounts. Moving money from one account to another takes 24 hours before the account reflects the change. The $ is being moved in house and shouldn’t take that long.

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

Clean and Usable; Needs To Implement Multiple Accounts Better. For users who have multiple different logins, such as multiple personal accounts or personal and business accounts, it’s very tedious to have to constantly sign in and back out to manage different accounts all owned by the same person. Especially when two-factor authentication is on and required every time you login. Other banks I’ve worked with allowed for all business and personal accounts under the same login and it made it much easier to manage accounts and transfers. If not having everything under one login, at least having a way to quickly switch between logins after they’ve been authenticated and stored on the device/app would really speed things up. Also, as of 2016 the government recommended one-time passwords no longer be sent via text or email because of how easily they can be stolen. This app and the Navy Federal website need to switch to two-factor authentication that uses device push notifications, authenticator apps like Microsoft/Google authenticator, and Yubikeys for more security.

Inaccurate readings on accounts. I too have been banking with Navy Federal for years. There are no branches near where I live, so the app is my go to! This year I have had to really keep my eye on the app. Twice this year I had return check fees for payments not going through. The app has been taking dayS to update withdrawals from bill payments. Everything else seems to be instant, expect bill payments which is most important to me! I’ve been building a new business, and my first large payment while building my business credit was returned. Not only does that hurt my score, but I was also charged a fee! Sometimes things move a little fast. I should be able to trust what my account says and not have to calculate the true balance before making transactions. In the past when transactions would be delayed it would post as pending until cleared. I’m not a fan of what is happening now. Years ago this was a huge issue with Hunnington Bank and a class action lawsuit was issued. I hope this doesn’t get that far!

Poor App Update. This “new and improved” App is very poor. The arrangements are not very clear and set one up for making mistakes, lots of them. As an engineer who has experience in developing websites and databases, I have always given thought to the “end user”, this is not the case with this new NFCU app. Case in point, when funds “money” is “transferred” or in this case “move money” it start with move money “to” XXXX “from” XXXX. In any financial institution especially amongst corporations money is transferred, we don’t select an ICON stating “Move Money” to another financial institution. When we “mail” correspondence we alway send “from” XXXX “to” XXXX. The same concept should apply when we “transfer” money “from” one account “to” another. It’s simple things such as this that took a very user friendly App to a nightmarish one. As the saying goes “If It’s Not Broke Don’t Fix It” enhance it instead. Sorry but the developers on this one goofed and for the sake of ALL ITS MEMBERS go back to the drawing board and salvage what they can from their changes and make it user friendly again. This one gets a Razzie vice an Oscar.

Good app but. I know I’m not the first person to PCS to Guam. I’ve had to call customer service 5 times for issues with what they keep telling me is localized to the app; I tend to believe them because their fix was for me to delete the app and reinstall it. The issue comes into play when I’m “asked” to update my security questions; “asked” is in quotations because you don’t have a choice but to update them or get kicked off. So I go thru the process of selecting and answering 5 questions and then hit save... only to be followed up with “update” your contact number so we can call you if there’s an issue with your account. I input my Guam number, since that’s where I’m stationed now, only to be ticked off haven spent all that time selecting questions relevant to me and that I’ll actually remember, then the information DOES NOT SAVE BECAUSE THE SYSTEM REFUSES TO RECOGNIZE MY ONLY CONTACT NUMBER. It will not allow you to continue leaving you with the only available option; cancel. Then you get kicked out with your work with the security questions deleted.

Often stalls without opening.. I’ve been kind of ignoring it for months, but This version of NFCU app on iPhone & iPads (all with current iOS) just doesn’t reliably open—about 1 in 4 times it halts after login attempt and only shows the “Signing you in” in-progress gif pop-up and NEVER goes past that. I have to back out to Home Screen to just swipe up to close it and try again. (Which usually works.) I really want to count on logging in without the extra steps, but no matter whether I use my passcode or face recognition it makes no difference—and none of my other apps do this consistently if at all. Also sometimes it logs right in, but hangs up when trying to do actions once opened (bill pay, purchase a CD are 2 recent examples). I have no choice —not going to abandon this app—since I’m not going to drive to branch office to handle routine transactions: but I DID last week after the app hung up on my LAST screen of many while trying to purchase a CD. Bad experience. Maybe you should do a survey to find out how frequent this glitching is among customers. I can’t be the only one.

Unparalleled customer service. Day or night no matter what time NFCU is always available to help. I had a credit placed on a card that I no longer use and wanted to move the credit to my checking account. The rep was able to take care of this in 6 minutes and was so polite and welcoming during our call. I had another instance once of a string of fraudulent activity on my card that started happening late at night. I called around midnight and the rep was able to freeze my card, cancel it, issue a new one, and reassure me that the fraudulent transactions would be refunded when they posted to my account. Again in little time and with such professionalism. I cannot more highly recommend NFCU as a bank. Since this review is supposed to be about the app, I’ll just say that the app is amazing as well. I can do so much on the app without needing to call (I can even request a cashiers check & sign loan documents right on my phone!). Balances are right where I’d expect them so I can quickly check whenever I’m wondering. The thing I love the most about the app though is a bit of an Easter egg. If you pull down on the accounts screen and you keep pulling down it says thanks for being a member in the middle of their globe. It’s the little things that count & continue to make me a happy customer. Thanks Navy Federal 😊

Have always been a fan until this!. Since I joined NFCU, I’ve never felt at home with so much welcoming features for its customers, including its customers’ Sevices. That was the dream until the nightmare fell. I woke up one day and saw out of nowhere my Zelle services restricted for security reasons as they claimed. I called the given number on the error message (about 4 to 10 times) to question the decision and resolve the issue but all that without success. After hours of conversation and phone calls, been bounced around between departments, NFCU simply told me they can’t do anything about it. So here I am been punished without me knowing for a crime I didn’t commit, guilty till proven innocent without a chance of proving innocence. Till this day I cannot use Zelle services with NFCU. That same issue happened to my mom and sister as well. My brother’s even weird as he cannot Zelle me money to my phone number which is associated with my other bank. That slap on the face leaves me extremely disappointed and heartbroken. I would not recommend NFCU to my peers. I’m exploring completely switch to USAA or other great credit unions.

5 stars to garbage 0/5 stars in one update. This trash update has ruined the app. The order of accounts forces Savings at the bottom rather than the order I choose. The font and readability is horrible. I don’t want the transfers to now be in reverse without a toggle to switch it back. I would revert every change without question. I do not want this “To” and then “From” option now. I will be reconsidering continuing to bank with NFCU going forward; I will absolutely not be pursuing the mortgage I was prequalified for either. I left BMO because their app always had downtime when I want to use it, and this might as well be down as it’s simply unusable now. Did you guys hire the same team that Walmart used to ruin ‘One’ bank as well? I’ll be exploring other banks and apps at this point. If I have to switch banks again so be it. If I could give 0 stars I would. It was nice while it lasted… I’ll await the developer copy and paste, “Thanks for using our terrible app. We make updates that are garbage.” You haven’t improved or updated any features whatsoever!

Scheduled payments disappears. I had set up recurring payments for my credit card. A few days before the April payment is due, I go into my account on the app, and there’s no scheduled payments showing. I didn’t receive any notification that anything was canceled. So I scheduled payments on a month-by-month basis. Today, when I went into the app to see if my payment for April was processed, the scheduled payment I made a few days before for my April payment was gone and no payment applied. So I called customer service, At this time, I had the app open to a scheduled payment screen for May, and I didn’t even touch the screen when a pop-up box appeared asking if I wanted to cancel the transfer. If I wanted to cancel the transfer, I would have pressed the big orange button- NOT some tiny pop-up box with tiny print. There is something definitely wrong with the app. I will wait to see if my scheduled payment for May disappears also. Terrible app when you set up payments, and they disappear. And a tiny pop-up appears asking if you want to cancel when the screen isn’t even touched. Makes me distrust NFCU if the app is this problematic. A very bad user experience.

I wish there were better features. I love NFCU but I wish the app had better features that would make banking via the app more user-friendly. For example, in the ‘view biller’ section, it would be great if the most recent scheduled pending payment was displayed. Sometimes I have to go back and forth from the view billers section to scheduled payments section to recall if I had already scheduled a payment for a biller. Another feature that would really enhance the banking experience would be to allow for the customer to make withdrawal or deposit reminders in the account transactions section. There are times when I have automatic recurring ACH withdrawals that I forget about or if I wrote a check, or am expecting a ACH deposit even, it would be great if I could enter a reminder or self schedule a withdrawal or deposit that serves as a reminder of some sort, that I can then delete once the transaction clears my account. I’ve used other banking apps that even allows you to set recurring reminders so that you can recall the payee/payer, amount, and anticipated date.

Speechless - Navy Fed is THAT GOOD!. I have been in the banking and finance field for 20+ yrs., worked for small/regional/large financial institutions, and hands down Navy Fed. is not even in the realm of other institutions, they should be your credit union if you truly believe in service, great products, and hands down, the best service I have received (even with some of the banks I worked for as an employee). I was visiting family in AZ, found something I wanted, made an application for a loan (very easy) online, and almost fell to the floor when 5mins later the funds were in my account! Thinking to myself, “let’s see what you have for a solid credit card”, well like the first, DONE! And even handled my balance transfer. This isn’t something you’ll ever see, or what I have seen in my long career in Banking! You want the best CU - Go NAVY FED! Stunned and overwhelmed with how great EVERYONE from service to loans, to just a call! Bravo! CRS

Won’t let me log in.. I usually don’t write a lot of bad reviews, but my PIN number was the first thing. It was just randomly disabled one day, which isn't too big of a deal. I could still log on, but now they’re trying to add two factor authentication and whenever it asks to send an email to verify your account it says we’re having technical issues right now please call ***-**** for help. I called them and it’s over an hour wait to talk to someone. I actually started writing this review after being on wait with them for 47 minutes so far for what should be a simple problem to fix. Navy fed is a great bank, I’m just really disappointed with they’re technical division. Edit: I had that problem yesterday, but I am pleased to say that they tactfully explained the situation and while still frustrating it was understandable. They even sent an apology email which was a pleasant gesture and showed their understanding of my disappointment.

Great Credit Union - HORRIBLE App. I wanna start off by saying Navy Fed has been amazing to me for the past 7+ years. This is not a review on the bank, but on the updated app. No longer can you change your reoccurring transactions on the app. No longer can you make a payment on your credit card immediately after you use it. No longer can you see your FICO credit score. They flipped the transfer options (“to” account used to be first now it’s “from”) so now it is confusing and every time I go to transfer money between my accounts, I transfer it to the wrong account (user error I know but why switch it? It’s muscle memory for people who have been with NFCU for years). There is no continuity within this app. I could go on and on and on about how bad the update to this app is but I would like to see those things re-implemented and if so, I would be happily with Navy Fed again. I’m strongly thinking about pulling all my money out and going to a more user-friendly bank. Thank goodness my old phone still has the old app.

Still works, but this new app is awful. BLUF: The simpler interface and calendar from the previous version of the app were superior. Whoever designed this, needs to be relieved of their duties. Since the recent update, I’ve almost transferred my money to the wrong place several times. This is THOUSANDS OF DOLLARS almost going to the wrong place. If you’re going to change the to and from orientation… DON’T. Most of this was muscle memory, and now I feel like I’m having to reconfigure my banking habits around the new application change. Calendar feature is gone, which makes it very difficult to track when I’m actually getting paid, because we get paid early, but that happens on different days every month. Please bring it back. User interface was much simpler and easier to use when it had less groups and stuff goin on in a single screen. It’s like the app sacrificed usability for appearance, and the appearance looks more convoluted than it does professional.

Great app with even better service. I use both Bank of America and NFCU, and NFCU’s mobile app and overall customer support combined with integration with the app is completely seamless and eons ahead of BoA. The NFCU app has an extremely user friendly interface, and I love that it has direct links to customer service chat and call. Overall its security and banking-tech integration is fantastic. There was an example of a time I forgot my PIN to my card and after speaking with a representative she informed me that I was actually able to reset my PIN directly through the app. In comparison for BoA I can only reset my PIN by going in person to the bank during their working hours, which obviously poises a challenge for customers with 9-5 workdays. I am so impressed with the apps’ highly secure, detailed and user friendly interface. Even today when I went to make multiple payments to my credit card, it prompted me with a screen checking if I knew I was making multiple payments. I really appreciate developers’ high attention to detail and clear care to make NFCU customers’ experience using the app as positive, secure, accurate and responsive as possible. Thanks NFCU! Amazing service as always.

I need to go back to keeping a paper register. We can argue that I SHOULD have always kept a paper register detailing all my transactions and running balances, but the fact of the matter is I didn’t need to. With the previous layout, I had all my transactions detailed out with a running balance all in one spot. It looked just like the paper register I use to keep. Now I have to look at the transaction detail on the right hand side then look to the top left for a my current balance. If you asked me what my balance was at the end of last mo th, I’d need to do the math. I do not see where removing this detail presents a value add for members. The App also has a lot of unused space on the left hand side below where it shows my current balance. Out side of that, and a few buttons, the remainder of the page shows no information. In my opinion, the programmers have this a feel, similar to a credit card app. But the fact is, this is a banking app, and with the layout changes you made to the part of the app I use most, it’s now a terrible banking app!

Pretty annoying!. This dumb app keeps telling to enter my password because “it has been a while since you logged in.” Or something like that. Two days is a while, really? I get that message way too often and it’s getting annoying. Combined with the fact that when you try to put gas at a gas station and pay using your card as a debit card, they automatically put a hold on your card for 150 bucks (I was told a couple of times over the phone). I’ve had many banks in my lifetime, and no other bank has done that. With my other two credit unions if you have 15, 10, 5, or whatever other amount you have in your account, the pump stops when you reach that amount. With Navy Federal I have to go inside and pay if I have less than 150. I was told to pay selecting credit card, but I always get declined. And in some gas stations, such as Arco, if you pay with debit you get charge the same price as cash, but if you pay with credit they charge you ten cents more per gallon. But seriously, about 10 years ago it was estimated that above 78% of the people in this country live from paycheck to paycheck. I imagine that now the number is higher. These are some of the reasons that I really don’t use Navy Federal anymore but rather use other credit unions.

Could be improved. I came here from PNC upon referral from my sister. With the PNC application, you can use the calendar to add in preauthorized payments you made outside of bill pay (like if you went to a credit card app and made a payment to them, it’s posted to your credit card and you can add the authorization amount and who paid to into the calendar), checks you wrote, etc so you can see a real-time balance and not have to mess with a checkbook at all. It was very beneficial in that I could see all my accounts, what the balances were after the deductions scheduled to come out. If there is a way to do this on Navy Federal app that I’m not seeing, would appreciate if someone could advise. If that isn’t an option, perhaps someone could look into making it an option? I’ve tried different apps to link my accounts and haven’t been successful in linking them all and showing correct balances. Updating and such have been a pain. I’d just like to be able to add things on my app.

Unprofessional Customer Service support at duty yesterday and tonight. It was a very bad experience for me with a female Unprofessional Customer Service support at duty yesterday and tonight, they just talked to you like somewhat!!. I had an issue on one of my ACH payments client account which I requested a proper review on it as for the client was claiming most payments was on hold by my bank but Navy already deducted those payments from my account. To my surprise when explaining to this customer service representative, she wasn’t sure of what information was on the account but only to accused me of talking over her and she rejected my request for a supervisor on duty! Not only that, she went farther to put a note on my account so that no other representative person would assist me at anytime. Tonight I called again to confirm same account status and the representative that picked up call was just so rude that she didn’t want to talk to me and did mention that there was a note on my account that she had to reject my request due to the note… but at the end, she accepted my request after asking her so many why questions and i thought she later realized that she was doing the wrong thing by behaving inappropriately to me as a customer of Navy Federal.

Love the Bank, Hate the App. I’ve been a customer of NFCU for around 3 decades. Great credit union. Very happy. Wouldn’t leave them for anything. But this app has issues. The auto-capture for Mobile Deposit hasn’t worked in almost a year. No matter how steady I hold my iPhone, no matter if I’m too close or too far, it simply will NOT capture. And then 1 out of 10 times it’ll give an error like “Sign the back of your check” when I clearly SIGNED IT! I usually just retake the photo and it often works then, without changing anything! In comparison, my mom uses US Bank and their app works beautifully. Auto-captures the check before you even stop moving the camera. And never an issue or errors. It just works. Next is reliability. Again, 1 out of 10 times, the app just doesn’t want to work right. “Technical Difficulty” messages, “Try Again”, or sometimes it will just fail to load an account. And yes, app is up to date. Lastly, I travel A LOT. And even though I enter my travel plans into the app, my NFCU Visa fails to get approved on my trip about 1/4 to 1/2 of the time. I appreciate the caution and safety NFCU is trying to exercise, but I already SAID I’d be in XYZ country. Why is my card getting declined almost half the time? My Fidelity Visa ALWAYS work while traveling and I don’t even inform them I’m leaving home. Hire some new IT guys and fix the app. See who US Bank uses.

This App was great but now Zelle doesn’t work. I normally really like this app, five stars if it went back to working like it’s supposed to. For months now, the Zelle portion of this app has been glitching when I try to send money to certain numbers. If I try to add contacts, whether it’s from my phone or from memory, it somehow locks up that contact and nothing happens when I try to tap on it to send that person money. I had to text them and ask them to send a request. So ridiculous. A review from 4yrs ago had this same complaint about the Zelle app itself. For the past few weeks, I haven't been able to access Zelle at all. It just goes to a blank page and does nothing when I try to access it. I’ve tried going around it every way I can and even the Zelle app sends me back to this glitchy mess. As a volunteer treasurer for a few organizations, this is not a good look and I will no longer list Zelle as a payment option. Well send our business elsewhere....unless it’s fixed and given prompt attention.

Missing Pending Checks & incorrect pay dates. Two points of feedback. 1, I usually love the NFCU app. However, so often there are missing pending checks and ACH transactions that clear either at random times during the day or during a processing period in the middle of the night. These checks do not show up in the app until they fully clear. Solution: please include checks and other electronic pending transactions shown as grouped and show how this relates to the “available balance.” Often it is not calculated in the available balance, which causes headaches when budgeting. Maybe also show another number that subtracts these amounts and call it “effective available balance.” 2, the pay dates for early and active duty pay were shown as January 12 and 13 for most of the time this month leading up to these dates. Then at the last minute they changed to the 13th and 14th. It made budgeting a bit difficult when that extra day occurred, not getting paid until a day later. Solution: somehow verify the dates are correct for the rest of the year and on an ongoing basis, please.

If I could give it zero stars I would. This has been one of the worst banks I have ever had the displeasure to bank with. I deposited funds on the 25th which I get is a holiday and they aren’t gonna be available until the 4th or 5th of the following month? I have bills to pay and things I need those funds for. Things like my mortgage payment, my gas payment, my electric bill, and my car repairs. Call in to talk with their associates and they offer no solutions what so ever just the same information about funds not being available until the 4th or 5th. Despite the fact that the funds show up in my pending balance because the check has cleared. The ones I got the check from have confirmed the funds have been withdrawn from their account already. They were pulled from their account the day after I deposited the check. I am done with this stupid bank the second I can get my money out of this bank. So thanks for all the late fees and inconvenience navy federal. I highly suggest not using this bank!

Good bank but warning about ACH payments. This bank has been all around great however, I scheduled an ACH payment from a vendor I forgot to cancel due to not having the funds because of a medical emergency financial situation. Navy FCU allowed it to go through for $709 (not sure why they would even let that high of transaction go through and pay it anyhow) which left me overdrawn not to mention, they charged me a fee of $29 fee. I spoke with a rep in collections who advised me I have till the 13th of December to bring my checking account current, or it will close and I will have to re-apply for another checking acct. I explained to the rep I could not do that till the 18th of December and could not be granted a further extension and didn’t even offer to waive the fee for me nonetheless. I am undergoing a financial hardship. USAA doesn’t charge fees for returned ACH payments and surely would not have let this gone through and put me in this predicament of my checking account being in the negative. I’m just astonished and sadly probably will no longer be able to be a member of this bank.

Mobile Deposits Don’t Work. This app is fantastic for checking balances, making transfers, finding ATMs, and finding contact information. Unfortunately, the most useful feature, mobile deposit, is nearly useless on the most recent version of the app. Nearly every time I try to make a deposit, I get an error saying that I forgot to sign the back of the check even though my signature and the “for Mobile Deposit only at NFCU” endorsement are clearly visible on the check. I’ve tried everything… different backgrounds, lighting, check orientation, I even rigged a stand for my phone so that I could ensure the phone was perfectly still while taking the picture. It often takes 20-30 tries to get the app to accept a check. Customer service just advises going to a branch or depositing the check via ATM or mail. This had been an issue 5+ years ago but was eventually resolved; unfortunately the newest releases of the app have this issue again. I would happily give the app 5 stars if NFCU could make mobile deposits work properly!

Failing. NFCU has some stand up workers until you deal with their online messages. They lack the knowledge to address issues with payment processing or forms. They used to be very quick at processing payments but over the past 6 months or so my credit card payments, account balance, and available balance do not match for days after being processed. Making a payment that was pending should show as such in your available balance and account balance. It makes no sense for one to update immediately but not the other. I.e. my account with show I have a credit because I paid my amount in advance. Then, I purchase a $250 item. It would show I owed $250 on the available balance and in turn be reported to a credit company if on reporting day even though the account has the $800 credit that should've been taken down to $550 rather than showing I owed $250. They are denying that anything has changed but this never used to be an issue.

Having sign-in issues. For the most part I have no problems with this app but it has started to have several issues in the past week that did not exist before. All the issues I’m experiencing are related to the sign-in process. Even though I have Touch ID enabled and have been using it for months it suddenly no longer offers this option when I launch the app. I tried to disable and re-enable the Touch ID feature to see if I could get it back but it will not allow me to disable Touch ID. When I go to manually enter my password the app automatically remembers my user name but says that either my user name or password is incorrect. After a 45 minute call with tech support I was told to try logging in as an alternate user. Magically the app now accepts my user name and password when I go through this extra step. This is now the only way I can login to the app. This is not a satisfactory solution to the problem. Please get these bugs fixed ASAP!

Horrible New Update. The new banking app update is HORRIBLE; you already have to type in your passcode to log in and now you HAVE to do 2 step verification which apparently you can’t turn off and must do EVERY time now. When you finally do login after jumping through multiple hoops, the new home page is filled with so much unnecessary stuff that you can’t even find your actual banking information but if you wanna work on your credit score that’s the first option you see; even though you just did all this just to check your banking account. The numbers for your accounts used to be large & easy to find. Now I feel like I’m playing some dumb child’s game when it comes to checking my account. They’ve done so much extra unnecessary things that they’ve even tried to add logos for the businesses that you shop at so when it showed a picture of “Michael’s craft store” and said I spent $45 dollars there I was HORRIFIED because I have never shopped there! However, I realized this was a transaction from a RESTAURANT called Michael’s that I’d been to recently but Navy Federal’s new update is just completely simple minded and idiotic so it’s also affecting the accuracy of the transactions on your account. All in all I hate the app so much I deleted it and I have half a mind to find a new credit union with a better banking app because I was using this OFTEN.

The worst Military bank ever. Veterans plz find another bank. I was with this bank since 1996. The bank was the best bank ever back in the days up until 2005. Thats when greed started to take over. The board members started to increase there pay and started taking advantage of members who help build the institution. I used this bank for all my financial needs, cars, loans, checking, savings, cds etc. When I applied for student loans for my daughter their interest rates offered were well out of the normal rates twice as high. We found another institution to send my daughter to college. We all know military does not pay nor are we in for the pay. NFCU trying to take advantage of what little we get payed. Car loan rates are no longer competitive with any other financial institution. Greed has taken over this bank and they are taken advantage of all young military members. If you are reading this up to this point then you care about your little bit of money you have earned plz stop giving to this bank. I retired from the Marine Corps in 2008 as a MSgt. Twenty plus years so I am not making this up. Find another institution who will treat you with the respect you deserve! Semper Fi

App Update is *Not That Bad. *Update: Balances and transactions displaying incorrect information appears to be fixed, as well as loading times. Still visually cluttered to me. Some displayed features like Digital Investor, MakingCents, and Travel Plan, I wish I could remove from the screen as I’ll never use them. But it’s definitely a brighter, friendlier design. The Move Money tab is convenient. I don’t have to search through menus to Zelle money to someone. Overall, I like how convenient commonly accessed information is displayed. Original Review: I’m not against a good UI update when it improves UX. But this update does not. Account balances and pending transactions are way off, balances on Home Screen are different than when you click on the account, it takes twice as long to load, it always shows my available credit on my credit card as zero even though I’m nowhere close to the credit limit, and there is entirely too much visual clutter. One of my favorite things about NFCU used to be how user-friendly, seamless, and convenient the mobile banking was. Now, it’s just short of a nightmare.

All good things come to an end. This app used to be one of the best, most user friendly banking apps…until the last update. Now the accounts screen just spins endlessly and I have to use my computer to check my accounts. If I can’t perform the most basic tasks on it, I no longer trust that only the bugs I’m seeing are the ones they’ve missed in pushing out this update. I’ll be deleting this app. Bad update, NFCU. Do better! I have other banks that only update for security patches, and I am able to use them for what they were designed to do- make my banking accessible on my phone and easier to manage my money. I don’t need changed for the sake of changes. I need safe and reliable. When I was able to make a transfer between my checking and savings, I was not paying attention to the fact that they switched which comes first, and ended up bouncing a transaction, even though the money was there (just not in checking). Not cool. Mess with peoples money and they will find another bank, not just leave the app.

Frustrating to use and inaccurate information. Updating this after reading other reviews. The balance IS NOT ACCURATE!!! After nearly two decades as an NFCU member, and believing in the accuracy of my balance and posted transactions, I got hit with two overdraft fees when an amount that allegedly “posted” to my account had not. This is the first time this had ever happened to me, due to paying off a fairly large bill that was listed as paid before I paid other bills. I saw when reading the one-star reviews of the new update that this has happened to others. You CANNOT TRUST THE INFORMATION CONTAINED IN THE APP, including balance. In addition, the app has lost functionality. It’s now very frustrating. Tried to add a biller and it tells me it can’t find the biller and suggests I enter it manually. But it no longer has the option to enter the biller manually if it can’t find the biller. So Catch-22. Tried to enter the bill as a person instead and when I had to enter the phone number I mis-typed the first digit. The system would not let me backspace over the mis-typed first digit. Had to completely cancel everything and re-enter all the information before I could save the biller. Plus since it would only allow me to manually enter the biller as a person instead of a company, there is no field for account number.

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I love Navy Federal!. I am 18 and I have been using Navy since I was 13 y’all are amazing!

Stop changing the App. Can never open this App. Every few months it stalls and I have to remove it and start over. Very annoying.

Update. The update didn’t make things easier. The ‘To’ and ‘From’ got flipped when transferring money. And I can’t find my card details on the app anymore

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Would be a great app if...... The main purpose of this app would be to check your balances, make transfers, credit card payments.....all fine if you have an iPhone. If you have an iPod touch or a Wi-Fi iPad the App is nothing more than an advertisement platform for rates and contact information. Once installed you are referred back to the Navy Fed webpage to setup mobile. This requires a verified mobile number with no options for Wi-Fi use. It is what is is....but the App Store download page states that it is iPod touch comparable and since there are no cell numbers for any type of iPod touch this is wrong. (Needs to clarify 3G iPad only comparability as well) Maybe one day they will make a change. At that point I'll give it a 5. Sent from my disrespected iPad Wi-Fi.

They got rid of….. The newest app version no longer has the currency converter or other neat tools. Who decided to nix it - and why weren’t customers consulted/polled about it?

Awesome. Has everything the U.S. app has. This is the exact same app as the NFCU app from the US and has all the same functionality. I was hesitant to use it at first due to the low rating but those are old and if anything went wrong I know NFCU would have me covered anyway.. It’s good to have all my same banking needs met while in Canada!

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Senior citizen. Nfcu has helped me in so many ways I am no longer driving but they have helped me with cashiers checks deliveries with questions that I have and ways that I can simplify my daily life finances I feel safe and secure that nfcu is on my side thank you so much I feel like I still have a little control of my life and don’t need outsiders to hep make financial decisions for me I am a veteran and nfcu is as important to me as my jesltth care nfcu services were also extended to my don and his family they were able to Gina e their first home through nfcu and when I purchased my last vehicle the check was waiting for me at the front desk no hassles nfcu you are the greatest and customer service pwrsonnel are patient and helpful thank agod for nfcu

Profits are their mission. Been with this bank for decades. Have relentlessly had issues with them. You’ll never get their advertised rates and they’ll never match the competitions rates. Navy federal has all the same little asterisks next to anything as any other bank. Financed multiple cars with them and there’s always a problem. They lost the title and suddenly it’s my problem. When the State title agency says only the legal owner can request a replacement title that is again my problem. Since they lost the title they’ll convert the loan to a consumer loan at credit card interest rates. Dealership I bought the car from supplied me with copies showing that the title was mailed and filled out as per Navy feds instructions. Last time shopping around for a car a local bank with whom I had never done buisness with before beat their rates so bad they called them (TTCU) a scam bank. Mortgage’s are the exact same. Only reason I still have an account with them is for the length of credit history. I will never again use navy federal for anything.

Total garbage app. The whole idea behind mobile banking is supposed to be easy and convenient. This app is anything but. My biggest gripe with it is the mobile deposit. Hard I try it does not read the back of the check repeatedly says that I didn’t sign it. Despite being a nice clear picture on a contrasting background. I wish I could say it was a one off thing, but it happens multiple times and it’s very frustrating. My second gripe is if the check is less than $5000 just deposit the entire thing into my account but they won’t do that they’ll hold the majority of your check until three or four days later, while USAA will just put the entire thing in your account all at once. It’s the same thing if you go in person as well. My last gripe is a petty one. For some reason, the people that designed the app thought it would be a good idea to reverse to and from in the transaction section. That’s my rant, thanks

Good enough. I only use the app with the sole intention of checking my transactions from time to time to see if anything suspicious pops up. For a while now it’s been perfect. Everything I need to know is there and easy to understand. HOWEVER, that pretty much changed thanks to this new app update. For whatever reason, I have to dig through more menus to get to where I want and when I do find what I want, it tells me that there’s no history even though there was history before. Also, the app loads WAY to long now. I have to sit for 5 minutes just for stuff to load whereas before it was very quick. I understand that updating apps are “necessary” to keep thinks safe and secure, but please don’t make it to where it impacts userface interactions. UPDATE: A patch got released that fixed the loading and history issues. So no more problems there.

Mobile Deposit Not Working. Usually this app is great, but I’ve been trying to deposit a check for the last few days and I keep getting “The check isn’t readable. Please retake the photo.” The images are clear. I just deposited a check 3 or 4 days ago and it worked fine. I tried to use my husband’s phone and it also didn’t work. (We both have iPhone 15s.) I called NFCU to see if there’s been an issue reported with the app and there hasn’t. He suggested to uninstall and reinstall but that didn’t work. Very frustrating seeing as we are nowhere near a branch and I’m trying to deposit a check from a customer into our business account. The guy on the phone also suggested to do a deposit at an ATM but we don’t have a debit card for this account. I’m hoping whatever is happening gets fixed quickly.

I have use this app for years and have enjoyed it until recently..... I live in New York and there are few branches available to me. So I started using the app. I’ve used it to make deposits, to pay bills, to get loans, to keep up with my account balances, etc. Unfortunately, recently, the app stopped allowing me to view my checking account transactions. I contacted the call center and informed them of the problem. They said they looked into the account and didn’t see anything wrong. In the meantime, I cannot see any transactions. Today I opened the app only to find out that my checking account is no longer showing at all. So I don’t know what my balance is,?what transactions have occurred, nothing. This is very frustrating to me. I am on a fixed income And I need to have access to the limited funds that I have. Not to mention the fact that I need to make a payment on my Navy Federal credit card account. Not happy!

Behind the times. The mechanics behind the app is truly outdated. I don’t feel as though I have to keep checking this app and my balance to see if a charge actually posted or when it posted. I’ve been overdrawn twice already because they can’t post charges when they actually happen. And I’m saying to myself, “I know this charge is going to appear out of nowhere” and it did, and it overdrew me. And it wasn’t a charge where one price is shown and then it updates to a final price, the charge simply wasn’t there for 2-3 days and I’m going into the app to check periodically.. it’s 2022 I shouldn’t have to worry about things like this. This makes people move on to fintechs because they think about things like that. Truly frustrating that this app can’t update me on my spending, no form of notification from having a negative account, no text alerts, nothing. If I make a payment with this card on Tuesday, why doesn’t my balance change until Friday?? Confusing.

Creative Liberty. I’ve been a Navy Federal member for over 7 years, and while this app refresh is a 5-star experience, a recent change has been incredibly frustrating. The switch in the money transfer format, where the “TO” account now appears before the “FROM” account, has caused me to accidentally send money to the wrong account more than once. The traditional FROM/TO (you know, the standard that every bank uses) format worked well for years, so I’m not sure why it was changed. It may seem minor, but this is a frustrating issue, and I’m seriously considering switching away from Navy Fed as my primary bank over this. Navy Federal’s response to my Secure Message was just a generic “we’ve forwarded your feedback to the developers” message, which doesn’t give me confidence that this “issue” will be resolved any time soon. I hope that this review helps get this “fixed”. I doubt I’m the only one struggling with this change.

Good CU, horrible app.. NFCU is good, but not great. Customer service and efficiency are the strengths of this bank. Want a card ? Get it right away. Something seems wrong ? Almost always someone nice and competent on the line without having to wait for very long. However, the app is a huge weakness. It is not ergonomic, frankly ugly, a little buggy. All in all: it’s far from being kept simple and there is *a lot* room for improvement. Also, as a software engineer, I can tell that the backend has serious issues as well. Balance takes days to get updated, but it’s just a value written in a database, updating it takes milliseconds. This means that it’s more of an architecture/design issue rather than a technical issue. You guys are working around problems instead of just fixing them. Efficient solution have to be disruptive and wether you like it or not, you will have to let your process evolve with your tech to offer a quality service to your clients. According to glassdoor you guys pay your engineers 50k. Well, don’t expect great solutions for such a low pay. NFCU will keep offering poor tech to it’s customers if it does not spend the money required by great people for great work. You guys need to hire a visionnary CTO to allow technological transition to happen in your CU. If you don’t, you will stay behind, and maybe die because a whole generation born with smartphones in their hands will prefer online banking rather than dealing with you guys.

Functional, but could be so much more. The app lets you see accounts quickly, transfer money, and do very useful things. It feels like a web app though and I wish much more effort was put into the design and user experience of the app. A native app would give more confidence in the app being designed to work well, something useful for finances. My biggest issue though is that most integrations just send you to a website in app. Please just build these features in natively! If we could have widgets for budgeting, and not be sent to a separate web page to use Zelle, the app would feel so much more cohesive. Also the fact there is ads for services on the login page? Why? I already have my money with you, I would prefer an experience that makes me not feel like a product. So overall as I said, functional, gets the job done, but so much room for improvement.

Absolutely Frustrating. Newest update introduced the problem of asking me to complete a software update for my phone that DOES. NOT. EXIST (after restarting multiple times my phone is fully up to date). Apparently someone thought it was a good idea to update the application to completely brick itself and become unusable. Great change! Uninstalling and reinstalling fixed the issue, but then I had to go through the added hassle of reconfirming my device and re-doing all security measures, as well as face-id. Then I tried to make a deposit. Asked for all my security questions, put in the CORRECT ANSWERS I REMEMBERED TYPING EXACTLY into the text box and I was locked out of my account. For someone that gets very anxious when funds are not settled quickly this is utterly maddening. The convenience of being able to deposit from home and not drive a ludicrous distance is abundantly useful, but causing this much stress over something as simple as sending two images is ridiculous.

Best banking mobile application. The Navy Federal mobile app is the absolute best and incomparable. I can honestly say I boast about the features and functionality of the application. It’s extremely easy to use, the home page shows all your funds, you can apply for credit cards on the spot and transfer money easily. When I ask non navy federal users about transferring money, they cant do it using their mobile banking app or it cost money to wire funds to other banks. I love this app and customer to the full extent. I can make 1 suggestion, I have a prepaid Navy Federal Go card to provide money to my siblings, and that site is a blast from the past. I would like to see that incorporated into the navy federal mobile app. Thank you navy federal for providing excellent service.

Great Credit Union - HORRIBLE App. I wanna start off by saying Navy Fed has been amazing to me for the past 7+ years. This is not a review on the bank, but on the updated app. No longer can you change your reoccurring transactions on the app. No longer can you make a payment on your credit card immediately after you use it. No longer can you see your FICO credit score. They flipped the transfer options (“to” account used to be first now it’s “from”) so now it is confusing and every time I go to transfer money between my accounts, I transfer it to the wrong account (user error I know but why switch it? It’s muscle memory for people who have been with NFCU for years). There is no continuity within this app. I could go on and on and on about how bad the update to this app is but I would like to see those things re-implemented and if so, I would be happily with Navy Fed again. I’m strongly thinking about pulling all my money out and going to a more user-friendly bank. Thank goodness my old phone still has the old app.

Still works, but this new app is awful. BLUF: The simpler interface and calendar from the previous version of the app were superior. Whoever designed this, needs to be relieved of their duties. Since the recent update, I’ve almost transferred my money to the wrong place several times. This is THOUSANDS OF DOLLARS almost going to the wrong place. If you’re going to change the to and from orientation… DON’T. Most of this was muscle memory, and now I feel like I’m having to reconfigure my banking habits around the new application change. Calendar feature is gone, which makes it very difficult to track when I’m actually getting paid, because we get paid early, but that happens on different days every month. Please bring it back. User interface was much simpler and easier to use when it had less groups and stuff goin on in a single screen. It’s like the app sacrificed usability for appearance, and the appearance looks more convoluted than it does professional.

Really slow. So I am currently trying to buy a game and I have had money transferred to me account, well it’s taking forever to transfer it used to take 10 minutes to transfer at most but it has now taken me 5 hours to transfer $5 which is all I need to buy the game cause I already have money on the account and idk why it is taking so long now but it’s really aggravating that I have to wait until tomorrow to buy the game when the money should have already been transferred Also it’s only $5 that is being transferred and it’s taking 5 hours..imagine if I needed the money in case I didn’t have enough to buy groceries...it wouldn’t transfer in time for any type of emergency... there for it needs an update making it back to normal like it should have stayed as

Sign-in STILL BROKEN!!!. Yet another update (v6.9.1) and STILL the sign-in process is broken. After deleting the app then reinstalling it I can sign in. But if i sign out or close the app out and try signing back in again it says my password doesn’t match records. If I try turning on passcode or face/Touch ID when I signed on the first time, that also fails and says “password has changed and you must log on with passcode again”. The password did not change though and I STILL get that my CORRECT password doesn’t match when I try to log in again!!! The only way to log into this app is to delete it and reinstall it EVERY TIME I WANT TO USE IT!!! This issue has been a problem for MONTHS now across MULTIPLE VERSIONS and they still have NOT FIXED IT!!! And I’m not the only one either! Just look through these reviews, the majority of the bad one are because of this issue. It’s like the developers just don’t care and only want to work on new features instead of big that keep their users from even USING the app!!!

App Layout Update—Well, Downgrade, Let’s Be Honest. “Thank you for using new Mobile app. We continue to develop and improve new features. We appreciate your feedback.” So, you appreciate the feedback by not even acknowledging that your recent update absolutely ruined the app? Was it a budget cut? Because if not, I literally cannot understand why you would take away SEVERAL features that made your app stand out in regard to other banking apps AND were extremely important and helpful to your customers. Not only that, somehow made the app look like it had aged backwards by twenty years? I’ve seen plenty of bad decisions made on apps, but this has to be up there. Honestly? I would fire the person who suggested or created this change because they seriously were sabotaging somebody. Automatic logout, like a previous customer said in a review—taken away, now you must manually logout. When they brought that up, your response? “Oh, just log out manually.” Yes, I’m sure they knew how to do that; but not everyone remembers every time, hence the security risk they were talking about. The helpful upcoming payments and bills schedule? Taken away, really for no good reason. Why? Well, use it on the desktop only, they say! Yes, because I have access to my computer at all times, I’m glad they can tell us that when the review was clearly talking about the app, not the desktop. After all, we’re reviewing the APP, not your website. The unit conversion? You didn’t even acknowledge that review, just said, “we improved our app” and left it at that. Whatever. Obviously, despite your claim to “improve the app”, looks like you’re just going to keep this horrible decision by trying not to seem like it was the mistake that it is. I’m glad we can all enjoy this amazing downgrade! Seriously, thank you! I love it when important apps have the absolute bare minimum on them! EDIT: In response to their response: Well, you definitely made it simple. Thanks!

Latest update has another flaw. Still having the problem listed here. I saw one of my concerns was partially fixed, but when I log out and then log in with one of my other accounts, and try to make a mobile deposit it is still “experiencing technical difficulties “ . I only have so many different devices I can log in from. Please fix this. When I sign in and deposit into one of our business accounts and then sign out and into another account whether it is on the same device or another, it has been “experiencing technical difficulties “. This has happened a couple of days in a row. Please fix whatever the problem is. It already takes more time to switch between accounts without wasting the time going back in a few times so I can complete a task. Thanks

Update is going in the wrong direction. It’s a fantastic app very easy to use. I honestly enjoyed the calendar and the ease of logging in using the facial recognition but… the calendar is no not on the app anymore and it’s something that was so simple and by far my favorite thing about this app. Im not sure why they would remove it but on top of all that you have to visit the wed site that doesn’t even give the same personal up coming transactions. The facial recognition has become more of a headache to use recently as well, for some unknown I’ve just found it easier to use your pin and or having to close the app a couple of times just to log in. Just hoping that someone sees this and reinstates the calendar at the least. I would mush rather deal with the headache of logging in as long as I can see my upcoming transaction and budget accordingly thank you.

A GREAT SERVICE FOR THE MILITARY. I’ve been a member for almost 55 years now and they’ve always been very professional, courteous and respectful both in person when I’ve managed to make it to one of their physical banks or on the telephone where they’ve always addressed me by my rank! Their policy of refunding withdrawals from ATMs that are not theirs is great! I have always gotten calls if there’s any questionable charges on a credit or a debit card and when I speak to their fraud department, they are very clear and forthright about the charges that may be in question! I have had several breaches of security and had several cards replaced! They are always replaced quickly and securely sent to me by federal express! I was back with no other! Thank you, Navy Federal! Captain Charles Vinroot US Navy retired

App is confusing now after the update. I used to be able to transfer money from one account to another without issue. Now, when I try to transfer, I’m transferring it to savings instead of checking which is the opposite order of what I needed to do. Therefore, having to receive calls to confirm my identity to make sure that it was me who kept moving money by mistake. It was only after realizing I got the call because I just did 2 or more transfers within 10 minutes trying to move the amount needed to the main account.. I never had this problem before the update, it doesn’t look much nicer, it’s not better or simpler, it has a bad order of which accounts to transfer to and from. I just wish we had the option to keep using the older and original app the way it was. I’m not one to ever review apps because I had not had an issue with this app for years until now.

Calendar & Widget. I’ve been a loyal Navy Federal member for years, and the app has always been a reliable tool to manage my finances. However, I’m deeply upset about the removal of key features like the Pay Calendar and the Sneak Peek Widget. These were essential tools for many of us to stay organized and ahead in our financial planning. While I understand the app is undergoing updates and improvements, it’s frustrating to see such valuable features taken away. The Pay Calendar provided a clear and convenient view of upcoming deposits, and the Sneak Peek Widget made it easy to check balances at a glance without even opening the app. These tools weren’t just conveniences; they were vital parts of why this app stood out. I truly hope Navy Federal listens to member feedback and brings back these features soon. Updates are great, but not when they come at the cost of losing the functionality that made the app so helpful in the first place.

Mobile deposit crops check. I love Navy Federal and the app is generally amazing. But, not sure what changed because when I try to make a check deposit through the app, the camera crops the image and takes inches off of the right side. I’ve usually found some way to work around it to get the check submitted and approved, but today it’s just not working. Super frustrating. The check is already endorsed as eDeposit only so I can’t go to a local bank and cash it. Now I’m stuck mailing it to a branch, which takes time, in addition to the usual 3 business day hold on the funds. This has been a problem long enough, you all should have fixed this a while ago! I live in Oregon and the reason why I can swing keeping Navy Fed as my bank is because of bill pay and eDeposit! If I can’t eDeposit checks on a monthly basis, I can’t keep my accounts here. Please please please fix this!

Having sign-in issues. For the most part I have no problems with this app but it has started to have several issues in the past week that did not exist before. All the issues I’m experiencing are related to the sign-in process. Even though I have Touch ID enabled and have been using it for months it suddenly no longer offers this option when I launch the app. I tried to disable and re-enable the Touch ID feature to see if I could get it back but it will not allow me to disable Touch ID. When I go to manually enter my password the app automatically remembers my user name but says that either my user name or password is incorrect. After a 45 minute call with tech support I was told to try logging in as an alternate user. Magically the app now accepts my user name and password when I go through this extra step. This is now the only way I can login to the app. This is not a satisfactory solution to the problem. Please get these bugs fixed ASAP!

All good things come to an end. This app used to be one of the best, most user friendly banking apps…until the last update. Now the accounts screen just spins endlessly and I have to use my computer to check my accounts. If I can’t perform the most basic tasks on it, I no longer trust that only the bugs I’m seeing are the ones they’ve missed in pushing out this update. I’ll be deleting this app. Bad update, NFCU. Do better! I have other banks that only update for security patches, and I am able to use them for what they were designed to do- make my banking accessible on my phone and easier to manage my money. I don’t need changed for the sake of changes. I need safe and reliable. When I was able to make a transfer between my checking and savings, I was not paying attention to the fact that they switched which comes first, and ended up bouncing a transaction, even though the money was there (just not in checking). Not cool. Mess with peoples money and they will find another bank, not just leave the app.

5 stars to garbage 0/5 stars in one update. This trash update has ruined the app. The order of accounts forces Savings at the bottom rather than the order I choose. The font and readability is horrible. I don’t want the transfers to now be in reverse without a toggle to switch it back. I would revert every change without question. I do not want this “To” and then “From” option now. I will be reconsidering continuing to bank with NFCU going forward; I will absolutely not be pursuing the mortgage I was prequalified for either. I left BMO because their app always had downtime when I want to use it, and this might as well be down as it’s simply unusable now. Did you guys hire the same team that Walmart used to ruin ‘One’ bank as well? I’ll be exploring other banks and apps at this point. If I have to switch banks again so be it. If I could give 0 stars I would. It was nice while it lasted… I’ll await the developer copy and paste, “Thanks for using our terrible app. We make updates that are garbage.” You haven’t improved or updated any features whatsoever!

If I could give it zero stars I would. This has been one of the worst banks I have ever had the displeasure to bank with. I deposited funds on the 25th which I get is a holiday and they aren’t gonna be available until the 4th or 5th of the following month? I have bills to pay and things I need those funds for. Things like my mortgage payment, my gas payment, my electric bill, and my car repairs. Call in to talk with their associates and they offer no solutions what so ever just the same information about funds not being available until the 4th or 5th. Despite the fact that the funds show up in my pending balance because the check has cleared. The ones I got the check from have confirmed the funds have been withdrawn from their account already. They were pulled from their account the day after I deposited the check. I am done with this stupid bank the second I can get my money out of this bank. So thanks for all the late fees and inconvenience navy federal. I highly suggest not using this bank!

Failing. NFCU has some stand up workers until you deal with their online messages. They lack the knowledge to address issues with payment processing or forms. They used to be very quick at processing payments but over the past 6 months or so my credit card payments, account balance, and available balance do not match for days after being processed. Making a payment that was pending should show as such in your available balance and account balance. It makes no sense for one to update immediately but not the other. I.e. my account with show I have a credit because I paid my amount in advance. Then, I purchase a $250 item. It would show I owed $250 on the available balance and in turn be reported to a credit company if on reporting day even though the account has the $800 credit that should've been taken down to $550 rather than showing I owed $250. They are denying that anything has changed but this never used to be an issue.

This should not be a problem. Every other time I’m in need to review my bank account and make some arrangements this app crashes at least every other day. SMH. This being a bank application you’d think they would stay on top of things as far as maintenance to at least make sure it wouldn’t crash. I was stranded out of town bc my car’s battery died and needed to get into my app to make a transfer and couldn’t even though the money was in my savings. The app wouldn’t even load. And that isn’t the first time I needed to have immediate access and couldn’t get in. When in need of access because of emergencies I would NOT trust this app / bank. You will be in trouble n practically left stranded, have a alternate bank & bank app on hand just in case of emergencies bc they are not always trust worthy more often than not. Now I’m second guessing and am so discouraged about navy federal they used to be by far my favorite go to. I But This has been going on for a long while now and I am so tired of this.

Credit Card Section is a headache!. I like the overall app but there are instances when I miss the old one, especially when it comes down to the credit cards account. With the old app, all transactions were automatically subtracted from the total credit availability and it was super easy to keep tabs on everything. The new app with its design and functionality in that area is a total nightmare. All transactions take days before they populate properly with the total credit availability and subtract. Sometimes, it creates confusion as far as what is subtracted, what is pending etc. I can’t transfer funds besides what the app thinks I need to pay. I could have paid extra on the old app but not on the new one. Total chaos ! If this continues, I will probably be forced to give up using the Navy Federal Credit Card and go back to Debit. Other than that, love banking with you guys !

App Won’t Total-up Pending Transactions!. We live in an automated world now: we expect our banking applications to do the simple task of telling us, at a glance, in real time, how much of our credit we are using or how much money remains in our debit accounts. …Not on this app. On this app, transactions in the “Pending” category can take days to clear, with little consistency as to how many days, and yet the “pending” category comes with no automatic display of its sum! Other banks may may tell you your “projected balance” which incorporates “pending” commitments you have made on your card. The absence of this basic service requires users to tediously tally their litany of pending transactions by hand, constantly, if they want to avoid either going over budget or, worse, incurring an overdraw fee on a debit account. This is especially a nuisance when traveling - as NFCU’s military clientele often do - because travelers must make many frequent transactions over a period of days. This missing aspect of the user-interface is so basic and so inconvenient that customers may be tempted to think that it is deliberate: a design to get NFCU’s less careful bankers into a financial pinch, racking up overdraw fees and credit card interest for their profits Without a simple automatic Talley and Sum to show user’s their true, pending balance, customers on this app might as well carry a ledger book in their pocket and pretend it s still 1993.

Good app but. I know I’m not the first person to PCS to Guam. I’ve had to call customer service 5 times for issues with what they keep telling me is localized to the app; I tend to believe them because their fix was for me to delete the app and reinstall it. The issue comes into play when I’m “asked” to update my security questions; “asked” is in quotations because you don’t have a choice but to update them or get kicked off. So I go thru the process of selecting and answering 5 questions and then hit save... only to be followed up with “update” your contact number so we can call you if there’s an issue with your account. I input my Guam number, since that’s where I’m stationed now, only to be ticked off haven spent all that time selecting questions relevant to me and that I’ll actually remember, then the information DOES NOT SAVE BECAUSE THE SYSTEM REFUSES TO RECOGNIZE MY ONLY CONTACT NUMBER. It will not allow you to continue leaving you with the only available option; cancel. Then you get kicked out with your work with the security questions deleted.

Great credit union; Buggy app. Retired SCPO been with NFCU for decades. The credit union itself is great. I have used it for car and home loans and wire transfers with no problems. The app, however, is very badly in need of fixes/patches/updates. I have found two problems with the calendar app. The first occurs when trying to set a date for a future transfer. When using the arrow keys to advance from current month to the next month, the calendar applet will advance TWO months. If you are not careful, you will end up missing a payment (as I did) and paying someone late fees. The second problem happens when setting the date for a transfer on the currently displayed calendar. Today is marked with a circle. When choosing, say, the 17th for a future transfer, the indicator should move when tapping on the 17th, but it does not. There is no indication of what date has been selected. These are small gripes, but they can lead to big problems if you are distracted while using your phone app — as most folks tend to be. I have reported these two things to the dev teams three times over the past year. There has been no reply and no fixes. This is annoying. If you are using this to keep track of bill payments and scheduled transfers, pay close attention, use the PC app, and submit bug reports.

Broke a perfectly good app. I have not been able to use my app or make transfers online since November or early December. I was told it had to do with my having the newest iPhone & it was an issue being looked into. Two months later I’m still having issues - I can’t even get past two step verification on my phone & while I CAN access online I can only see accts - when I try to xfer money I get an error message. I find it infuriating that there is no ETA on a fix. How many millions of people have the newest iphone? You’re telling me you didn’t plan for that?! And that even with the most recent release a couple of week ago there is STILL NO FIX? and there is nothing about it here or on the website? You should be TRANSPARENT. This is unacceptable. I’ve been understanding because I’m an NFCU employee, but at this point I’m ready to take my four accounts & move back to my prior bank where my online banking works just fine. I hope the people responsible from releasing & raining a perfectly good app are being held accountable.

Update to 6.4 caused app to crash. I have been using the app for some time and have been happy with it. Just updated to version 6.4 and that caused the app to “crash”. When trying to open it after the update, it showed the opening screen for 2-3 seconds, then jumped back into the background without completing opening. If you bring it back forward again, same thing. I power cycled the phone, same thing. I deleted and re-installed the app, same thing. Kind of hard to like an app that you can no longer use. iPhone 5, but shouldn’t make a difference. Update: I guess that the developers actually do read these reviews and take them in to consideration. A further update to version 6.4.3 has been made and my iPhone 5 is “back to happiness” with the app. Thanks, glad to be using the app again as I want and need. Back up to 4 stars now...

Auto capture for mobile deposit not working after latest update. So incredibly frustrated right now! I used my brand new iPhone, my iPad Pro Air, and even my old iPhone (because it used to work on there) to attempt a mobile deposit, but your latest update will *not* “auto capture” a mobile deposit check. Blurry pics, check wouldn’t fit in the auto capture window when it used to auto capture almost instantaneously. What is happening??? After literally 20+ tries on three separate devices, I turned off the feature so I could take a picture of the check and I did get a message stating it was accepted only to then get a message 15 minutes later saying it wasn’t and to do it again. Never, not once, have I ever had this issue before so I had already written VOID on the check! I’m sure you can imagine the headache that caused. Sooo not happy with your latest “fix.” Saw another review with the same problem so it’s not just me or my mobile devices…

Missing Standard Banking App Features. The NFCU app allows customers to access the basics but there are a few features that need to be updated. -When the app sends notifications to your cell phone there is no indication of the reason for the notification. When users click on the alert and the app opens up, it doesn’t take you to the reason for the notification (ie. withdrawal, paperless bill ready for view, etc.) Users have to look at each account and try to figure out why they are receiving a notification. -Bill pay only allows payments to be made using the checking account. Other banking apps allow users to pay bills using checking and savings account funds. NFCU forces users to transfer to checking and then pay bills. -Transfers between the users own NFCU accounts are not immediate. This includes low dollar amounts. Moving money from one account to another takes 24 hours before the account reflects the change. The $ is being moved in house and shouldn’t take that long.

Simple App. Works well, does what it’s supposed to do and accurate. You can’t blame where you bank for overdraft fees and a poor accounting of your money. If you operate that close to the edge I might suggest keeping a paper ledger so you don’t cut yourself short. As a former USAA customer, Navy Federal is HANDS DOWN superior in customer service. This app, while it has less overall features than USAA, it simple and easier to navigate. An added benefit to banking with Navy Federal is if you have a problem, whether it be with the app, a debit or credit card, or whatever... you can walk into one of their many branches and speak to a HUMAN and get your problem resolved. USAA got too big for their britches... and Navy Federal hasn’t forgotten about their customers like USAA seems to have. I should have switched years ago.

Best Mobile Online Banking App. NFCU app works great, I've not experienced any logon problems. I use an iPhone 8 Plus running IOS 12.4.1 without any problem. Some of the login issues could be due to software update 13, still fixing problems on that. Could be compatibility problem with series of new 11 phones. Anyway NFCU banking app is the best! NFCU has the best customer service in person or on the phone. Thank you NFCU! Good service, good online banking app with updates that have helped work my financial needs. I'd like to answer some of these recent comments here to let them know there is an answer to most of their questions. The last thing I need to add to my review is how well this iPhone app works, thank you to your software team for keeping up with updates, thanks.

Mobile Deposits Sometimes Don't Work. Overall, the app does what I mostly expect it to. I can see my bank account and transfer money between checking and savings which is fine. The big two issues I have are 1) About 50% of the time, I cannot open messages in the app from NFCU so even though they are quick to respond, it doesn't matter because I can't read the response anyway, 2) Mobile Deposits sometimes work and sometimes don't and because you have to write "For eDeposit only at NFCU" on the back of the check, if it doesn't work, then you're stuck with essentially a void check. The issue is that the app can't read all types of checks and therefore it states the writing on the check is unreadable. I know it's not my phone because in one instance where I attempted to deposit three checks back to back, one was unreadable while the other two worked. NFCU is a great institution, but their app doesn't always work when you need it to.

The chat system. This version of their chat system is terrible. I have an apple with iOS 26. It would not let me start another sentence without having my chat. Continue with the previous sentence and then it wasn’t just the previous sentence it was the entire. That we had. Even when I was chatting with a live agent. So a while I was attempting to get to the end of the line to continue my chat. The agent was texting. Are you still there so I’m trying to get to the end of the line and the course it’s not allowing me to get there and I’m almost beating my phone to death trying to get it to let me have the opportunity to type.. But it wouldn’t work. And I asked for it to put the feedback for me of course it couldn’t do that. Then it offered me to do the survey and then it wouldn’t let me do that either. So this is the only place I can do it. I love Navy Federal, but this version has a bad spot in it and they need to fix it. I don’t know if they allowed AI to write it or if this was a human error, but somebody needs to fix it please

40 Year Happy Member. Great credit union, great service, great APP! One suggestion; on APP mobile deposit, checks must be endorsed using specific wording. Yet, there is no indication of that until it is time to photograph the back of the check. At that time they show a checklist, and first indicate the required endorsement wording. However, by then I’ve already endorsed the check using the standard “For deposit only”. (Why else would I think it’s ready for submitting?) There is never enough room to cross out and correct that phrase, and I don’t do enough mobile deposits to remember the requirement. I’ve had to drive an hour each way to do counter deposits after the mobile deposits were rejected. Please, modify the APP to let members know up front the specific things required for mobile deposits.

Available Balance? Doesn’t Show Truthfully!. Why the heck does it not show anywhere when a bank to bank transfer or a payment to another financial institution is made! When an app initiated transfer of cash is made from NFCU to another bank or financial institution it doesn’t show, not in the pending and not in the current available balance. It shouldn’t be showing as part of the available balance when it is in a transfer. App continues to show having more money available when in reality the money shouldn’t be available, because you’ve initiated a transfer out through the app. This causes big problems because if you aren’t fully aware of your diminished balance you could spend the already transferred money not realizing it is somewhere in a mid-transfer and spending it could cause (overdraft) fees and other charges. Also why is it taking 3 days to transfer straight cash funds to another bank? This definitely doesn’t help the situation!

Mobile Deposit. First let me say I have never written a review in my life. Love everything about the app, but because I’m 2 hours away from my nearest Navy Federal Branch, I have to resort to mobile deposits. Every. Single. Time. I try to deposit any amount of check I am constantly hindered and bombarded with the error of “the numbers at the bottom are blurry”. Every single time I try it as instructed. Every time I try at every single angle, background, lighting, and any other type of condition you can think of in order to deposit. These deposits generally take anywhere between 15 mins to 2 hours or the next day or two because I give up on trying to deposit via this feature. Please all I ask is that this is looked into, this is the most irritant most hassle I have ever gone through to make a deposit each time. (And every single photo is as clear as day, the most legible HD photo you can get, a photo that can be read and understood microscopically by the human eye, but apparently not a digital program/computer)

New UI is eh. The new UI is not as intuitive or useful as the previous. Please return the pay calendar! This seems like such a simple feature your customers are asking for, yet the response is: open a browser, log into the website (like it’s 2005), and click through site menus to find the spreadsheet with pay dates. The running balance in transactions is new and helpful, thank you! The order of operations when moving money is confusing; why would one choose To: before From:. It’s not a Christmas gift rage, I am moving money FROM one place TO another. Last, and just a personal preference, I don’t need to see company logos next to each transaction. It makes the page busy, distracting, and like my acct. is trying to advertise to me. Some people may appreciate that, but I would like a setting option to turn off.

Wish I joined a long time ago. My brother has been telling me for years to bank with NFCU but for some reason I was hesitant. The “no local branch” thing scared me. I finally gave in after another hellish experience with a major branch bank. And man oh man was this the biggest case of I told you so. My banking experience has been nothing short of a breeze. The customer service is fast the people are polite, they answer all of my questions and don’t make me feel like an idiot. There’s no unnecessary fees they refund ATM fees, so don’t worry about not having a branch near you. Mobile deposit is painless. Seriously I have no negative comments that’s far been with them about eight months. Open to cards with them low interest, no nonsense. Don’t be like me!! Join if you can!!

Forcing features on customers.. Forced 2 step verification upon sign in was recently added without my permission to the app. I have a 20 character complex password, a secure network, VPN, and I’m using the app from the same location and on the same devices. I’m also not making unusual transactions. There are a myriad of ways for NFCU to ensure my account is safe and I am me. Features should not ever be forced on your customers, especially features that require your customers take many extra steps to do the same things they could do before with less steps, and less time. If you are going to implement two step verification, it should be a push-verification for the second step, eliminating the need for me to manually delete the verification text from my computer, two phones, an iPad, and an Apple Watch (they are all in sync) in addition to actually entering the pin. Very annoyed and will certainly start calling in more for personal assistance vs. accessing my accounts via the app and online.

CHANGING MY DIRECT DEPOSIT. I Been getting a certain amount of money from the government for the last three years or direct deposit due to the fact, I cannot work no more because I had nine surgeries They have the pending deposit sitting in the account, but cannot release it to me for a urgent matter now me and my family is getting put out the hotel in this freezing cold because I’m normally receive it between the 24th and 27th with my other bank. I guess this bank direct deposit is different but I wasn’t aware of that but which I do not mind but as of right now, today was an urgent matter. I am glad I noticed this now before I will go to get my settlement check this week. Navy federal will not be getting my business.

Won’t log in with correct info on first try. Have had this app for a long time. For about the last month or two I fail to log in on my first attempt every time. I have gone out of my way to make sure my information is correct and it will not work the first time but will always work the second time. This make me uncomfortable using the app because it makes me suspect malware and I fear my accounts being at risk. Since I have had this problem ongoing for a while now and have had no issues with my account I have concluded that this is not an error but instead an attempt by the app to get me to change my password. If that is true I feel it is a dishonest practice. I am quite sure, however, that if this is purposeful, the apps creator will not admit it.

4⭐️. I appreciate the recent update to the Navy Federal app, but I’d like to point out a few things that need attention. First, when transferring money, the process has changed. You now need to select the account you're transferring to before selecting the account you're transferring from, whereas previously it was the other way around. This adjustment can be a bit confusing, and I hope this workflow will be reconsidered. Additionally, I miss the balance preview widget that was available in the previous version. It was incredibly convenient to check my balance quickly without having to open the app. This feature was one of the best aspects of the app, and I’d love to see it brought back in a future update. Overall, the app has potential, but these changes would greatly improve the user experience.