Navy Federal Credit Union Checking Account Reviews

  • 4.55 / based on 1 Review | Submit Your Review
    Satisfaction
    Application
    Interest Rates
    Fees
    Service
  • Company Information

    820 Follin Lane
    Vienna, VA 22180
    (214) 748-3647
    https://www.navyfcu.org/

    Company Details

    Assets: $75,166,325,715
    Year Established: 1955
    Type: Credit Union
    NCUA #: 5536


    Company Reviews (8)

  • 0 of 0 people found the following review helpful.

    They have been dependable and honest and do their best for their customers, October, 2016

    I have never had any issue with Navy Federal Credit Union. They have excellent customer service and have upgraded their online platform since I've been with them so almost everything you need is already online -- no need to spend 30 minutes on the phone with a representative. Not that I've ever spent 30 minutes on the phone waiting for anyone to answer my call. They have always been very helpful and courteous. I've never been faced with hidden fees for any reason, they cover my ATM fees, and I've never had an issue with over drafting my account because they have automatic protection. Their checking and savings accounts are free and while their rates aren't incredible, they do have occasional deals that make investing with them worthwhile. I'm hoping to get a mortgage from them in the near future.

    • Checking
    • Albany, NY
    • 27 Year Old Female
    • Customer for 5+ Years
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  • 0 of 0 people found the following review helpful.

    Convenient banking and great online features., December, 2016

    This bank was recommended to me by a family member after I had been unhappy with my current bank. The application process for opening a checking account, savings account, and credit card was all easily done online. Their mobile app makes it extremely convenient to deposit checks using my phone's camera so I rarely have to drive out to a branch.

    The credit card I was offered came with a great low interest rate for my credit level. Getting cash advances is as easy as going online and transferring it from the credit card to my checking account. Occasionally I notice my credit limit has been rising without me even needing to request it.

    Whenever I do have to go into a branch, I'm always greeted quickly and the tellers are friendly. Every transaction has been smooth. I also like that they offer the new security of "chip" cards.

    • Checking
    • Chester, VA
    • 39 Year Old Male
    • Customer for 3 - 5 Years
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  • 0 of 0 people found the following review helpful.

    Excellent customer service!, October, 2016

    I've had nothing but positive experiences with this bank. They have competitive rates, benefits for military personnel, and excellent customer service. When we had issues with someone stealing our card information, the fraud department caught it before we did and took care of it for us. For my credit card, they offered better rates than any other major banks, and the same goes for their auto loans. They frequently have referral programs where you can refer your friends and you each get $50 put into your bank account. I have been able to take advantage of this a few times, myself. I can't speak more highly of this bank. If you are eligible to become a member, do not hesitate to do so. They are definitely worth it, in my opinion.

    • Checking
    • Biloxi, MS
    • 30 Year Old Female
    • Customer for 2 - 3 Years
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  • 0 of 0 people found the following review helpful.

    This bank is just for me., December, 2016

    One of my friends recommended this bank to me. Every time I go to a branch of this bank, I am very welcomed with a great smile. Application process was very simple and helpful. Fees are very low. I got very high credit card limits with low APRs. I got a car loan from this bank. APR was much higher than I expected for this loan. Probably it was about my credit history but I was expecting lower rates. I have a checking account, saving account and two credit cards from this bank. I opened saving accounts for each of my kids and my wife. And my wife also asked for credit card and she also got very high credit limit. She is also satisfied with this bank. Also I recommend this bank to my friends.

    • Checking
    • Virginia Beach, VA
    • 40 Year Old Male
    • Customer for 1 - 2 Years
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  • 0 of 0 people found the following review helpful.

    NFCU has all of the services I need and has generally been responsive when I have required assistance., December, 2016

    I signed up for NFCU when I was in Navy boot camp in 2007. A representative came to speak to our group of recruits, the only other option was we were told to bring a blank check (for acct/routing #) with us when we shipped out. It may have been possible to set up direct deposit at my hometown bank, but obviously it was more beneficial to have banks on military bases where I might be stationed. NFCU has always given good rates and had reasonable fees, but higher interest than I would like on personal loans and/or credit cards, which is why I got an additional account with USAA. However, the main benefit of NFCU is that they have a LOT of physical locations in proximity to military bases domestic and international, and there is even one where I am currently living in Ohio, which is about 5 hours away from any Navy base. The major benefit is that you can go to a location and get cashier's checks or a debit card replaced on the spot. Additionally, you can always get a real person from the US on the phone 24/7 and it usually doesn't take more than 5 minutes to resolve any issue. I have even called for a last-minute emergency loan and had the money within an hour. I have not had any experience with home or auto loans, and I know that is a point of contention for others. So, NFCU is not perfect, but it's pretty darn good, especially compared with Wells Fargo, US Bank, or some of the other shadier "big banks".

    • Checking
    • Cleveland, OH
    • 35 Year Old Female
    • Customer for 5+ Years
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  • 0 of 0 people found the following review helpful.

    Efficient, September, 2016

    I've been with this bank since boot camp back in 2004. While they have no local branches here, I've been able to all of my banking over the phone and now on the mobile app. The interest rates are better than the national average and they have some pretty great promotional CDs. It's a sturdy bank that treats it's customers well. Any time I've had an issue with my account, which is not at all frequently, I've been able to get through to a real person on the phone. They'e always professional and quick, able to get my problem resolved before I can hang up the phone. I wish the credit card department was more lenient but I don't think there is one lenient or understanding creditor in the whole unietd states!

    • Checking
    • Morgantown, WV
    • 33 Year Old Male
    • Customer for 5+ Years
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  • 0 of 0 people found the following review helpful.

    Overall, I have had a generally positive experience with this bank with minimal issues., October, 2016

    For the most part, my experience with this credit union has been very positive. While this is the case, here have been some things that hold me back from giving Navy Federal a perfect score. For one, I am not a huge fan of the monthly transfer limit from your savings account. I think it would be a lot more useful if that was either raised or removed. I have also had a few occasions where I have been charged 30 dollars for a returned check fee, which I personally believe is a little much. It would be better if they simply gave you an insufficient funds method, instead of charging 30 dollars that I already do not have. With these things in mind, the services and rates that they offer are ultimately what keeps me with this bank.

    • Checking
    • San Diego, CA
    • 23 Year Old Male
    • Customer for 2 - 3 Years
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  • 0 of 0 people found the following review helpful.

    They are a great place to bank!, October, 2016

    We first started with Navy Federal about 8 years ago. We had just moved to the area and very much preferred a credit union as opposed to a traditional bank. We walked in, was immediately seen by someone, and within 45 minutes we had new savings and checking accounts. We also inquired about and eventually applied for a home loan a few years later. Throughout the process they were extremely helpful and always answered all of our questions. We are the kind of people that really like to know what we are getting and they didn't have a problem walking us though the process. We are very grateful for Navy Federal. Even now that we moved away, we continue to bank with them through their mobile phone App. Great bank, great service, and great people.

    • Checking
    • Chesapeake, VA
    • 35 Year Old Male
    • Customer for 5+ Years
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