Gift Card Frequently Asked Questions (2024)

Note: All fees will be debited from the remaining gift card balance. For initial card orders, the express delivery fee will be assessed on the funding card.

If you received a confirmation number, then your order went through and you'll be charged for the card(s).

If you were unable to click “Submit” before the system timed out, you shouldn’t be charged for your purchase.

Navy Federal Visa Gift Cards purchased online can be personalized with a preselected message. The list of available personalized messages will appear during the purchase process.

Yes. If you don't accept the Terms & Conditions when you place your order, your order won't be processed.

Using your Navy Federal Visa Gift Card also signifies that you accept the Terms & Conditions.

After placing your order online, please allow 7 to 10 business days for standard delivery and 3 to 4 business days for Express Delivery.

Note: When choosing to send a card Express Delivery, there is a $5 express delivery charge per card. A signature isn’t required for delivery. We cannot guarantee delivery time frames for FPO/APO addresses.

You can use your card to pay for purchases at millions of places that accept Visa cards in the United States (U.S. territories are excluded). The card’s initial value is set by the person who purchased it. Additional funds cannot be added later.

How to use your card:

1. Before making your first purchase, sign the back of the gift card.
   
2. When ready to pay, select CREDIT and sign the receipt. Or, select DEBIT, if prompted, and enter your Personal Identification Number (PIN).
3. Each time you make a purchase, the amount is automatically deducted from the card balance. It’s important to keep track of your balance. The card doesn’t offer a line of credit like a credit card.

With your Navy Federal Visa Gift Card in hand, please visit navyfederal.org/mygiftcard.

If your card doesn’t have a personalized name, it will automatically activate in one business day. To verify your card is active, enter your username in the “Username” field and click “Sign In”. Please note, if you have not created a username for your gift card, select “Need Username?” under the “Username” field.

If your card is personalized with a name, click “Activate.” If this is a new gift card, you’ll be required to select a 4-digit PIN.

Once signed in, to register your card, click "My Profile" and under the "My Settings" drop-down menu, enter your name, address and phone number.

Note: The fields marked with an asterisk (*) are required. All other fields are optional.

You can use your Navy Federal Visa Gift Card at millions of places that accept Visa Debit Cards, including retail stores, online merchants and over the phone. Gift cards are only valid in the United States (U.S. territories are excluded).

You cannot use gift cards for recurring bill payment transactions.

Yes. To make an online or phone purchase, you’ll need to register your card by visiting navyfederal.org/mygiftcard, entering your username in the “Username” field and clicking “Sign In”. Please note, if you have not created a username for your gift card, select “Need Username?” under the “Username” field. After signing in, select “My Profile” under “My Settings” and enter your name, address and phone number.

Be sure the balance on your card is enough to cover the bill and the tip. If not, the transaction will be declined.

Yes. To make an online or phone purchase, you’ll need to register your card. After signing in to navyfederal.org/mygiftcard, select “My Profile” under “My Settings” and enter your name, address and phone number.

When you make an online or phone purchase, the name, address and phone number you use must be exactly the same as the information you provided when registering your card. If the information is different, the transaction may be declined.

Using your Navy Federal Visa Gift Card is similar to using a debit card. When you’re ready to pay, select CREDIT, sign the receipt and go! Or, select DEBIT if prompted and enter your PIN.

Each time your card is used for a purchase, the amount is automatically deducted from your balance. It’s recommended that you know your balance before making a purchase because some merchants won’t be able to provide that information.

To make a purchase in an amount greater than the available balance, you’ll need to use a second form of payment to cover the difference.

Tell the cashier the amount you’d like applied to your Navy Federal Visa Gift Card, then pay the balance with your second payment method.

Registering your Navy Federal Visa Gift Card has several benefits:

• It enables you to make purchases online and by phone. Most online retailers don’t accept payments without a valid billing address. Your registered address will serve as the billing address.
  
• It enables Customer Service Representatives to assist you quickly.
• It protects you if your card is lost or stolen so you can be reimbursed for unauthorized purchases.

If your card is personalized with a name, you’ll be required to select your PIN during activation. If you have not activated your card, please visit navyfederal.org/mygiftcard and select “Activate”.

If your card isn’t personalized, the PIN is automatically defaulted to the last four digits of the card number.

You can change your PIN by visiting navyfederal.org/mygiftcard and signing in. Please note, if you have not created a username for your gift card, select “Need Username?” under the “Username” field. Once signed in, select “My PIN” under “My Settings.”

If the card was ordered online and personalized with a name, the initial value is printed on the front of the gift card. If your card was purchased in a branch and isn’t personalized, the initial value may be included in the materials that came with your card. To check your balance online, please visit navyfederal.org/mygiftcard, enter your username in the “Username” field and click “Sign In”. Please note, if you have not created a username for your gift card, select “Need Username?” under the “Username” field. You may also check the balance by phone at 1-866-262-7438. Be sure to have your Navy Federal Gift Card in hand.

It’s important to know your remaining balance before you make a purchase. Your purchase could be denied if it’s greater than your balance. Keep a record of your purchases and remaining balance.