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Frequently Asked Questions

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NAVY FCU/NMCRS VISA® PREPAID CARD

What is a Navy Federal/NMCRS Card?
How do I make purchases at merchant locations with my Navy Federal/NMCRS Card?
How do I activate my Navy Federal/NMCRS Card?
Do I have to accept the Terms & Conditions?
How will I know the original amount of my Navy Federal/NMCRS Card?
What if I have forgotten my PIN?
Can I use my Navy Federal/NMCRS card for online or phone purchases?
Why should I register my Navy Federal/NMCRS Card?
What if I want to purchase an item that costs more than the balance on my Navy Federal Visa Gift card?
How can I check the balance on my Navy Federal/NMCRS Card?
Can I add more money onto my Navy Federal/NMCRS Card?
What should I do if my Navy Federal/NMCRS Card is lost or stolen?
What should I do with my Navy Federal/NMCRS card once the value is depleted?
Why is my Actual Balance different than my Available Balance?
Can I use my Navy Federal/NMCRS card at gas stations?
For how long am I able to use my Navy Federal/NMCRS Card?

What is a Navy Federal/NMCRS Card?

The Navy Federal/NMCRS Card is a prepaid card - not a credit card. The cards are distributed with a preloaded amount on the card. You may use it wherever Visa debit cards are accepted (within the United States and not for alcohol, pornography, gambling or firearms). You may also use it to get cash at any Navy Federal ATM, CO-OP Network, Money Pass, Walgreens (in California), or Cashpoints (no charge) or any ATM displaying the Visa/PLUS logos (charges may apply). For a list of PLUS ATM’s please visit http://usa.visa.com/personal/using_visa/atmlocator.html.

How do I make purchases at merchant locations with my Navy Federal/NMCRS Card?

Using the Navy Federal/NMCRS card for a purchase is similar to using a debit card. At the time of purchase, select “CREDIT,” sign the receipt and go! Or select “DEBIT” if prompted and enter your Personal Identification Number (“PIN”).

To create your four digit PIN, click “Cardholder Sign-In” on this website and type in your 16-digit card number. Your initial password is the last 6 digits of the card number.  Then click “Create PIN.”   This will be your ATM PIN as well.

How do I activate my Navy Federal/NMCRS Card?

When you receive your card from the NMCRS, they will activate it for you. You may use this website to check the balance of the card, change your PIN and other transaction inquires.

Do I have to accept the Terms & Conditions?

Using your Navy Federal/NMCRS Card signifies that you accept the Terms & Conditions.

How will I know the original amount of my Navy Federal/NMCRS Card?

The original value of your Navy Federal/NMCRS Card is embossed on your card. You can also check your balance by logging into this website.

What if I have forgotten my PIN?

You can change the forgotten PIN via the website by clicking the “Forgot PIN” option located on the left-hand side.

Can I use my Navy Federal/NMCRS card for online or phone purchases?

Yes. However, to make an online or phone purchase, you will need to register your card. Click ‘Cardholder Sign-In’ and type in your 16 digit card number. Your initial password is the last 6 digits of the card number. Click ‘Create Profile’ and enter in your name, address and phone number.

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

Why should I register my Navy Federal/NMCRS Card?

Registering your Navy Federal/NMCRS Card has several benefits:

What if I want to purchase an item that costs more than the balance on my Navy Federal/NMCRS Card?

To make a purchase in an amount greater than the available balance, you will need to use a second form of payment (credit card, debit card, cash or check) to cover the difference.

When ready to make your purchase, tell the cashier in advance the amount you would like applied to your Navy Federal/NMCRS Card. The balance will then need to be paid with the second payment method.

How can I check the balance on my Navy Federal/NMCRS Card?

To check the balance of your Navy Federal/NMCRS Card, click sign in now on this website.

Can I add more money onto my Navy Federal/NMCRS Card?

No, the card is non-reloadable, which means additional money cannot be added to the balance of this card.

What should I do if my Navy Federal/NMCRS Card is lost or stolen?

Report a lost or stolen card immediately by telephoning us through our processor at 1-866-906-4168. You may also write us at the following address: Visa Debit Processing Service, P.O. Box 026098, Miami, FL 33103. If you tell us within 2 business days after you discover the loss or theft of your Card, you will not be liable for any losses resulting from the use of your Card without your permission. If you do not tell us within 2 business days after learning of the loss or theft, you may be liable if someone used your Navy Federal/NMCRS card without your permission.

You will need to provide the lost or stolen Navy Federal/NMCRS card number for it to be cancelled and a replacement issued.

To ensure authorized use of your Navy Federal/NMCRS card, be sure to sign the back of the card before using.

What should I do with my Navy Federal/NMCRS card once the value is depleted?

You should keep your card—even after the balance is depleted—until you know that you will not be returning any of the items purchased with the card. If you do try to return items purchased, the store's policy may require you to present the card used to make the purchase. You should destroy the card once sure there is no further need.

Why is my Actual Balance different than my Available Balance?

Typically, your Available Balance is less than your Actual Balance because your Available Balance reflects purchases you have made that have been authorized, but have not yet cleared your account. Your Actual Balance reflects all purchases that have cleared on your account.

Can I use my Navy Federal/NMCRS card at gas stations?

When purchasing gas, we recommend going inside the gas station and using your card to pay the exact amount prior to pumping the gas. If you use your card at the automated pump and have a balance greater than $50, some merchants will put a HOLD of $50 on your card even if you pump less than $50. If you have a balance of less than $50, some merchants may hold your entire remaining available balance or decline your transaction. Funds placed on hold will be unavailable for up to three days. You can avoid a HOLD being placed on your card by going inside and using your card to pay the exact amount prior to pumping the gas.

For how long am I able to use my Navy Federal/NMCRS Card?

You have until the 1st day of the second month after disbursement to use all of the funds available on the Card. On the 1st day of the second month after disbursement, the Card and any remaining funds will be terminated and the Card will be cancelled. All transactions will be denied after that date. Example: Cards disbursed in January will be closed on March 1st.
Cards disbursed in February will be closed on April 1st.

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