Navy Federal Credit Union Checking Accounts

Terrible experience banking with NFCU. Never again. Customer service is no help and their policies are awful. Choose literally any other credit union. This bank is not worth it.

Place sucks, terrible customer service, as a retired Navy, I hate that these charlatans use "Navy" in their title, hate them very much

If I could give these people 0 stars, I would. I actually wish I never opened an account with them.

To begin, let me just start off by saying I had an okay experience with them while I was still active duty, so maybe I am one of the unlucky few that had an extremely negative experience with NFCU. Nothing out of the ordinary happened.

Until the first week of March came when I had a PPP loan deposited into my account. Now, I didn’t know “business loans” couldn’t be deposited into a normal checking account (which I don’t agree with, but whatever) so they froze my account. When they asked me for any documentation, I very quickly said yes because it was legally mine. I had every supporting document with me and when I offered to send it to them, they gave me the run around and basically said no, that they’re going to return the funds back to where it came from. The first representative told me it would happen within 2 weeks. The second one told me it would happen within a month. The third one told me there’s no timeline of when it could happen. Then the fourth one informed me it was already sent back.

By this point, I hadn’t logged into my account and was still waiting for NEARLY 4 MONTHS. The app said I had to call them in order to regain access to my account. When I did, the representative said “we can’t confirm your identity so you need to visit a local branch”. WHAT??? None of my information had ever changed during this time and the closest branch to me is 3 hours away.

Like I said before, I’m probably one of the unlucky few that had a bad experience with these people, but this whole circus show they’ve caused with me has been nothing short of absolutely asinine. My opinion? Choose another bank. I’ve had chase for months now because of this and I can honestly say they’re better than NFCU

Opened an account. Received debit and credit cards. Tried to activate them but my account is locked because they think it is fraudulent. So I call. They keep me on hold for 10 minutes. Talk to somebody, they say hold on, they put me on hold for another 10 minutes...and still holding. So..this is funny, they want proof of address, yet they just sent me a debit card and a credit card to this address and will not accept that as proof as address. This bank is as stupid as the military.

Worst bank ever. There was fraud on my acct within the first week of opening the acct. They froze my debit card. They hold u responsible for fraud even though they say your not liable. Its a load of bs. The bank knows there is fraud right now due to tax season, and i get penalized. Not right whatsoever. I am closing my acct. And i will let ppl know in person as well. Stay away from Navy Federal.

Misgenders lgbtq all the time. Will send you on crazy chases to find a free atm. WORST bank ever happy to be leaving for a local bank not worth the early pay day STAY away from them I would dare say RUN away

I wish I could select all categories. Unless it's a withdrawal from an ATM, NFCU is one of the most difficult financial institutions to deal with. Appears training anyone who answers the phone is minimal. And passing my request on to other departments goes into a black hole. I've been trying to get statements for my deceased father for 5 months now. I am his Trustee and no one knows how to handle a Trust. My year end tax statement went to an address that I changed 7 months ago with NFCU. Who's running the ship?

Let’s take a second to talk about Zelle ... scam if I’ve ever seen one. They let you transfer from bank to bank but the money isn’t available to be transferred until the next day? Hmm not with any other bank. History has shown that banks that don’t give a client their money in REAL TIME means they USED it for something else and need a day or two to get you your money bank. Scams and I’m not here for it.