Navy Federal Credit Union

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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.

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.

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

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!

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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.