How To Make A Deposit With Navy Federal On Mobile

Mobile Phone

Welcome to our comprehensive guide on how to make a mobile deposit with Navy Federal, one of the largest credit unions in the United States. In this digital age, the convenience of banking has reached new heights with mobile deposit services. Now, Navy Federal members can easily deposit checks without stepping foot inside a branch. Whether you’re a tech-savvy individual or just looking to streamline your banking routine, this article will walk you through the simple steps of making a mobile deposit with Navy Federal. From capturing your check image to ensuring a secure transaction, we’ll cover all the essential details. So, let’s dive in and discover the ease and efficiency of mobile depositing with Navy Federal!

Inside This Article

  1. Step 1: Download the Navy Federal Mobile App
  2. Step 2: Login to your Navy Federal Account
  3. Step 3: Select “Mobile Deposit” Feature
  4. Step 4: Prepare the Check for Deposit
  5. Step 5: Capture Images of the Check
  6. Step 6: Enter Check Amount and Select Account
  7. Step 7: Review and Submit Deposit
  8. Step 8: Confirmation and Fund Availability
  9. Tips and Troubleshooting
  10. Conclusion
  11. FAQs

Step 1: Download the Navy Federal Mobile App

Downloading the Navy Federal Mobile App is the first step to making a mobile deposit with Navy Federal Credit Union. The app enables you to conveniently access your accounts, perform various banking transactions, and securely deposit checks using your mobile device.

To get started, open the app store on your mobile device, whether it’s the Apple App Store for iOS devices or Google Play Store for Android devices. Search for the “Navy Federal Credit Union” app in the search bar.

Once you locate the Navy Federal Mobile App, click on the “Download” or “Install” button to begin the download process. The app is free to download and can be installed on most smartphones and tablets.

Allow the app to fully download and install on your device. This may take a few moments depending on your internet connection speed. Ensure that you have sufficient storage space on your device to accommodate the app.

After the installation is complete, find the Navy Federal Mobile App icon on your device’s home screen or app drawer. Tap on the icon to launch the app.

If you are a new Navy Federal Credit Union member, you will need to create an account by following the on-screen instructions. Existing members can log in using their username and password.

Once logged in, you will have access to the full range of banking services offered by Navy Federal, including the ability to make mobile deposits.

Note: It’s important to download the official Navy Federal Mobile App from the app store. Avoid downloading unofficial or third-party apps to ensure the security of your banking information.

Now that you have successfully downloaded and installed the Navy Federal Mobile App, you are ready to move on to the next step in making a mobile deposit with Navy Federal Credit Union.

Step 2: Login to your Navy Federal Account

Once you have downloaded the Navy Federal Mobile App, the next step is to log in to your Navy Federal account. This will give you access to the features and services offered by Navy Federal Credit Union.

To login, open the Navy Federal Mobile App on your mobile device. You will be greeted with a login screen where you will need to enter your username and password. If you have not yet set up an online account with Navy Federal, you can do so by selecting the “Register” option.

After entering your login credentials, tap on the “Login” button to proceed. The app will then verify your account information and grant you access to your Navy Federal account.

It’s important to note that the login process may require additional security measures such as multi-factor authentication. This ensures the security of your account by adding an extra layer of protection.

If you ever forget your username or password, you can tap on the “Forgot Username” or “Forgot Password” links on the login screen. Navy Federal provides options for recovering or resetting your login information to help you regain access to your account.

Once you have successfully logged in to your Navy Federal account, you will have full access to the features and services available through the mobile app. This includes the ability to make mobile deposits.

With your account credentials securely in place, you are now ready to move on to the next step of the process and start using the mobile deposit feature provided by Navy Federal Credit Union.

Step 3: Select “Mobile Deposit” Feature

Once you’ve successfully logged into your Navy Federal account, the next step is to navigate to the “Mobile Deposit” feature. This feature allows you to securely deposit checks directly from your mobile device, saving you time and hassle. Here’s how to find and select the “Mobile Deposit” feature:

1. Look for the menu icon or a navigation bar at the top or side of the app interface. This is usually represented by three horizontal lines or a menu icon.

2. Tap on the menu icon to reveal a dropdown or slide-out menu. Scroll through the options and locate the “Deposit” or “Mobile Deposit” option. It might be placed under the “Services” or “Banking” section.

3. Once you’ve found the “Mobile Deposit” option, tap on it to access the mobile deposit functionality. This will typically open a new screen dedicated to the mobile deposit feature.

4. In some cases, the “Mobile Deposit” option may be prominently displayed on the app’s home screen. Look for a button or icon that says “Mobile Deposit” and tap on it to proceed.

It’s important to note that the location and appearance of the “Mobile Deposit” feature may vary depending on the specific version of the Navy Federal app you are using. If you’re having trouble finding the feature, refer to the app’s user guide or contact Navy Federal’s customer support for assistance.

Once you have successfully selected the “Mobile Deposit” feature, you can move on to the next step in the deposit process, which involves preparing the check for deposit.

Step 4: Prepare the Check for Deposit

Before you can deposit a check using the Navy Federal Mobile App, you need to make sure the check is properly prepared. This involves a few simple steps to ensure the deposit process goes smoothly. Follow these guidelines to prepare your check for deposit:

1. Endorse the check: Flip the check over and locate the endorsement area on the back. Sign your name as it appears on the front of the check. Make sure the signature is clear and matches the name on the account you are depositing the check into. If you are depositing a joint account check, ensure that both account holders sign the endorsement.

2. Verify the check details: Take a moment to review the front of the check and ensure that all the information is correct. Check for any discrepancies such as incorrect dates, amounts, or payees. It’s essential to deposit checks with accurate and valid information to avoid any issues with the deposit process.

3. Flatten the check: Smooth out any creases or wrinkles on the check. This helps ensure that the check can be properly scanned or photographed when capturing images for the deposit. A flattened check improves the accuracy of the image and reduces the chances of errors during the deposit.

4. Remove any staples or clips: If the check is held together by staples or clips, carefully remove them before depositing the check. Staples or clips can interfere with the scanning or photographing process, resulting in an incomplete or blurry image. It’s best to keep the check clean and free from any obstructions.

5. Ensure sufficient lighting: Find a well-lit area to capture clear images of the check. Good lighting helps in producing high-quality images that can be read accurately by the mobile app. Avoid low-light environments or places with harsh shadows as they may impact the clarity of the check images.

By following these steps, you can ensure that your check is properly prepared for deposit using the Navy Federal Mobile App. Taking the time to endorse, verify, flatten, remove any staples or clips, and ensure sufficient lighting will help streamline the deposit process and increase the chances of a successful deposit.

Step 5: Capture Images of the Check

Now that you have prepared the check for deposit, it’s time to capture images of the check using your mobile device. Follow these simple steps to ensure a successful capture:

  1. Position the check: Place the check on a flat and well-lit surface. Make sure there are no shadows or obstructions that may affect the quality of the image.
  2. Open the Navy Federal Mobile app: Launch the Navy Federal Mobile app on your smartphone or tablet. Ensure that the app has the necessary permissions to access the camera on your device.
  3. Tap on “Mobile Deposit”: Locate the “Mobile Deposit” feature within the app’s menu. It is usually found under the “Deposit” or “Banking” section.
  4. Select the account: Choose the account in which you want to make the deposit. This account should be associated with your Navy Federal membership.
  5. Position the check within the guidelines: Follow the on-screen instructions to position the check within the guidelines displayed on your device. Adjust the check until it fits snugly within the designated area.
  6. Capture the front image: Once the check is properly aligned, tap on the camera icon to capture the front image of the check. Hold the device steady and make sure the entire check is in focus. Take the photo when the image is clear and legible.
  7. Flip the check and capture the back image: Carefully flip the check and place it back on the surface. Tap on the camera icon once again to capture the back image of the check. Ensure that all necessary endorsements are clearly visible in the photo.
  8. Review the images: After capturing both the front and back images, review them to ensure that all the details are clear and legible. If any part of the check is blurry or obstructed, consider retaking the photo to ensure accuracy.
  9. Submit the images: Once you are satisfied with the captured images, tap on the “Submit” or “Deposit” button within the app. This will initiate the process of submitting the images for verification and processing.

By following these steps, you will be able to successfully capture images of your check using the Navy Federal Mobile app. Always double-check the quality of the images before submitting them to ensure a smooth deposit process.

Step 6: Enter Check Amount and Select Account

Once you have captured images of the check, the next step in the mobile deposit process is to enter the check amount and select the account where you want the funds to be deposited. This is a crucial step as it ensures that the correct amount is deposited into the correct account.

To enter the check amount, you will usually find a designated field on the mobile deposit screen where you can input the numerical value. Make sure to double-check the amount on the check before entering it to avoid any discrepancies.

After entering the check amount, you will need to select the account where you want the funds to be deposited. This is typically done by choosing from a dropdown menu or selecting the account from a list. The available accounts will vary depending on your specific banking institution and the permissions you have set up for mobile deposit.

It is important to select the correct account to ensure that the funds are deposited into the desired location. Take a moment to review the account options carefully before making your selection.

Some mobile banking apps may also allow you to add notes or memos alongside the check amount. This can be helpful for keeping track of specific details or adding additional documentation for your own reference.

Once you have entered the check amount and selected the account, you are ready to move on to the next step in the mobile deposit process. Make sure to review the information you have entered for accuracy before proceeding.

Step 7: Review and Submit Deposit

Once you have captured clear images of the front and back of your check and entered the correct amount, it’s time to review the deposit details before submitting it.

The Navy Federal Mobile App provides a summary of the deposit information on your screen. Take a moment to carefully review the check information, including the payee name, check amount, and account selected for deposit. It is crucial to ensure accuracy to prevent any issues with your deposit.

If you need to make any changes, most mobile banking apps allow you to edit the deposit details before final submission. Simply click on the respective fields such as the payee name or check amount to make adjustments.

Once you are satisfied with the information, click on the “Submit” or “Deposit” button to initiate the deposit process. Keep in mind that some banks may require additional verification steps, such as entering a security code or verifying your identity using biometrics.

After submitting the deposit, the mobile app will display a confirmation message indicating that your deposit has been successfully submitted. This confirmation message may also include an estimated availability date for the funds, depending on your bank’s policies.

It is essential to retain the physical copy of the deposited check until the funds are fully credited to your account. This serves as a helpful reference in case of any discrepancies or questions regarding the deposit.

If you encounter any issues during the submission process, such as blurry images or incorrect information, the mobile app may provide options to retake the images or edit the details. Make use of these options and ensure that the deposit information is accurate before resubmitting.

Remember to follow any additional instructions provided by your bank regarding the submission process. Some banks may require you to write “For Mobile Deposit Only” on the back of the check or endorse it with your signature.

By thoroughly reviewing and submitting your mobile deposit, you can conveniently and securely add funds to your Navy Federal account without the need to visit a physical branch.

Step 8: Confirmation and Fund Availability

Once you have submitted your mobile deposit on the Navy Federal Mobile App, you will receive a confirmation message indicating that your deposit has been successfully submitted. This message serves as a confirmation that Navy Federal has received your deposit request.

After submitting your mobile deposit, it is important to keep an eye on your account activity. Navy Federal will review the check images and verify the information provided. This review process usually takes a few minutes, but it can take longer during peak times or if there are issues with the images or information.

If there are any issues with your deposit, such as illegible check images or missing information, Navy Federal will send you a message through the app requesting additional information or asking you to resubmit the deposit. Make sure to check the notification center in the app regularly for any updates or requests from Navy Federal.

Once your mobile deposit has been approved, the funds will be made available in your account based on Navy Federal’s fund availability policy. This policy dictates when the funds from your deposit will be accessible for withdrawal or use. Navy Federal may place a hold on the deposited funds for various reasons, including the amount of the deposit, your account history, or the source of the funds.

The fund availability period can vary depending on several factors, including the type of check deposited. In most cases, Navy Federal makes the first $200 of a mobile deposit immediately available for withdrawal, while the remaining amount may have a longer hold period. It is important to review Navy Federal’s specific fund availability policy for detailed information on when the deposited funds will be fully accessible.

To check the status and availability of your deposited funds, you can view your account activity through the Navy Federal Mobile App. Simply navigate to the “Deposit” section or “Account History” to view the details of your deposit and the current status of the funds.

Remember to keep the physical check in a safe place for a reasonable amount of time after making a mobile deposit. It is generally recommended to keep the check for at least 30 days or until you have confirmed that the funds have been successfully credited to your account.

By following these steps and staying informed about the confirmation and fund availability process, you can efficiently manage and access your funds after making a mobile deposit with Navy Federal.

Tips and Troubleshooting

While making a mobile deposit with Navy Federal is generally a smooth and convenient process, there may be some instances where you encounter issues or need some guidance. Here are some tips and troubleshooting tips to help you navigate any hiccups along the way:

1. Ensure Proper Lighting: Make sure you are in a well-lit area when capturing images of the check. Insufficient lighting can lead to unclear images, resulting in potential rejection of your deposit.

2. Use a Stable Background: Place the check on a flat and contrasting surface when taking pictures. This helps the app recognize the edges of the check accurately, enabling seamless image capture.

3. Check Image Quality: Before submitting the deposit, review the captured images to ensure clarity and legibility. Blurry or distorted images can lead to rejection, so retake the photos if necessary.

4. Double-Check the Check Amount: It’s essential to enter the correct amount written on the check. A simple mistake in entering the amount can lead to an error in the deposit, so always double-check for accuracy.

5. Verify Endorsement: Sign the back of the check with your signature and include the phrase “For Mobile Deposit Only” to prevent any potential fraud. Failure to endorse the check properly can result in the rejection of the deposit.

6. Check Deposit Limits: Ensure that the amount you’re depositing is within the mobile deposit limits set by Navy Federal. Exceeding the deposit limits may require an alternate deposit method or a visit to a physical branch.

7. Check Deposit Hold Policy: Familiarize yourself with Navy Federal’s deposit hold policy. Understand that certain factors, such as the amount of the check or account history, may result in a temporary hold on the funds you’ve deposited.

8. Update your Mobile App: Regularly update your Navy Federal mobile app to make use of the latest features and enhancements. Outdated versions of the app may cause compatibility issues or lack necessary improvements.

9. Contact Navy Federal Support: If you encounter any difficulties or have questions regarding mobile deposits, don’t hesitate to reach out to Navy Federal’s customer support. They will be able to provide you with the assistance you need to resolve any issues and ensure a smooth deposit process.

By following these tips and troubleshooting suggestions, you’ll be able to navigate any potential challenges and make mobile deposits with ease using the Navy Federal mobile app.


In conclusion, making a mobile deposit with Navy Federal Credit Union is a convenient and efficient way to manage your finances. The process is simple and can be done anytime, anywhere using their user-friendly mobile banking app. With just a few taps on your smartphone, you can securely deposit checks into your account without the need to visit a physical branch.

By taking advantage of this mobile banking feature, you can save time and avoid the hassle of waiting in line or driving to a branch. Whether you’re at home, at work, or on the go, you can easily deposit checks and have immediate access to the funds in your Navy Federal account.

So, why wait? Start enjoying the benefits of mobile deposit with Navy Federal today and experience the convenience of managing your finances right at your fingertips!


Q: How do I make a mobile deposit with Navy Federal?
To make a mobile deposit with Navy Federal, you need to download the Navy Federal Mobile Banking App from the App Store or Google Play Store. Once installed, log in to your account, select “Deposit” from the main menu, and follow the prompts to capture images of the front and back of your check. Confirm the details and submit the deposit. It’s that easy!

Q: Are there any fees for making mobile deposits with Navy Federal?
No, Navy Federal does not charge any fees for making mobile deposits. The service is free for members, and you can deposit checks using your smartphone or tablet without incurring any additional charges.

Q: Is there a limit to the amount I can deposit with Navy Federal’s mobile deposit feature?
Yes, there are limits to the amount you can deposit using Navy Federal’s mobile deposit feature. The daily limit is $10,000 per member, while the monthly limit is $30,000 per member. If you have a larger check to deposit, you may need to visit a branch or ATM to complete the transaction.

Q: Are there any restrictions on the types of checks I can deposit using Navy Federal’s mobile deposit?
Navy Federal allows you to deposit various types of checks using their mobile deposit feature. However, there are a few exceptions. You cannot deposit foreign checks, savings bonds, third-party checks, or checks payable to a business or organization. Additionally, Money Orders and Traveler’s Checks are not eligible for mobile deposit.

Q: How long does it take for a mobile deposit to be processed by Navy Federal?
Typically, mobile deposits made with Navy Federal are processed within one business day. However, it may take longer for larger deposits or deposits made on weekends or holidays. To check the status of your deposit, you can log in to your account and view the transaction history. You will also receive a confirmation email once the deposit has been processed.