How to Contact Navy Federal Customer Service

There’s more than one way to contact Navy Federal Credit Union. And if they don’t listen you have options…

If customer service has failed, FairShake can help make Navy Federal listen.

Navy Federal Credit Union, based out of Virginia, is a Global Credit Union. Founded in 1933, Navy Federal offers checking and savings accounts, loans and credit cards, etc. They provide financial and banking services to military members, active duty, and veterans across all six branches. So, it can be challenging to know which number to call at any given time for issues like suspicious activity or hidden fees on your statement. 

Account services

  • If you are ready to speak with a real person and are stationed stateside, you can call 1-888-842-6328. This number directs you to member and account services and is available 24/7. You can use this number to order more checks, handle issues with your line of credit, your checking account, help with online banking or enrollment assistance, or MMSA.
  • If you are overseas, you can use Skype or other voice apps to call that same U.S. number or dial the toll-free number for the country and carrier where you are stationed. You can find a list of international numbers on their website

If you need to report fraud, a lost or stolen card, or suspicious activity, you can use the app or call 1-888-842-6328 24 hours per day.

For help with Navy Federal online bill pay, you can call 1-888-560-8031 7 a.m. through 1 a.m. eastern time. 

Their general mailing address is:

Navy Federal
P.O. Box 3000
Merrifield, VA 22119-3000

Credit card addresses are as follows:

Visa Credit Card Disputes
P.O. Box 3503
Merrifield, VA 22119-3501

Visa® Payments
P.O. Box 3500
Merrifield, VA 22119-3500

Mastercard® Payments
P.O. Box 3500
Merrifield, VA 22119-3500

Credit Bureau Disputes
P.O. Box 3700
Merrifield, VA 22119-3700

Visa Debit Card Disputes
P.O. Box 23603
Merrifield, VA 22119-3603

American Express® Payments
P.O. Box 3500
Merrifield, VA 22119-3500

Debit Card Services
P.O. Box 23603
Merrifield, VA 22119-3603

Alternatively, you can find a local branch and meet with someone in person, use the chat function once you have signed into your account, send a secure message through your online banking account, or connect on Facebook or Twitter.

If you have an issue with accidental death or dismemberment policy or a claim, you can call 800-779-5433. If you would like to apply for this coverage, you can call 800-233-3577.

If you need help with Personal Finance Management, you can call 1-888-503-7106 (toll-free) or 703-255-8492 (local in metro Washington, DC) between 8 a.m. and 4:30 p.m. Monday through Friday. You need your access number or account number when you call. 

Student Loans

If you need help with LendKey student loans, you can call 1-877-304-9302 between 8 a.m. and 8 p.m. Monday through Friday Eastern Time. If you need to send something in the mail, their payment address for student loans is:

Student Loan Payments

Note: Include loan number & invoice # on the memo line of the check

P.O. Box 824575
Philadelphia, PA 19182-4575

Mortgage Services

For mortgage applications, you can call 1-888-842-6328, Monday through Saturday from 7 a.m. until midnight eastern time or on Sundays from 9 a.m. until midnight Eastern Time. If you need help with mortgage Servicing, you dial the same number, and after authenticating, you say the word “mortgage” when prompted. 

If you need to send something via mail, their loan addresses are as follows:

Loan Payments
P.O. Box 3100
Merrifield, VA 22119-3100

Vehicle/Boat/Airplane Title
P.O. Box 25109
Lehigh Valley, PA 18002-5109

For FedEx, UPS, or other express courier delivery, please send to:

Navy Federal Credit Union c/o BOS
Attn: Title Processing Department
1530 Valley Center Parkway, Suite 200
Bethlehem, PA 18017-2266

Mortgage Servicing Error Resolution and Information Request**
P.O. Box 3302
Merrifield, VA 22119-3302

Insurance Checks for Loan Payoffs or Navy Federal Endorsement
P.O. Box 3105
Merrifield, VA 22119-3105

Mortgage/Equity Payments
PO Box 3300
Merrifield, VA 22119-3300

Mortgage Servicing Error Resolution and Information Request**
P.O. Box 3302
Merrifield, VA 22119-3302

**Borrowers have the right to resolve issues or request information, but error notices or requests for any loans or mortgages must be accepted in writing. When you send your report in writing, you must include your name, account number, and the explanation or reason for the error or correspondence. 

Certificate and IRA Services

If you need help with your certificate or IRA Services, you can phone 1-888-842-6328, and after authenticating, say the word “IRA” or “certificate” when prompted. This number is available with live representatives from 7:30 a.m. until 11 p.m. Monday through Saturday and 10 a.m. through 6:30 p.m. on Sunday. If you have to send documents via fax, the number is 703-206-4250. 

Deposit Trust Section

If you need to reach a customer service representative at Navy Federal for deposit trust matters, you can phone 1-888-842-6328 8 a.m. through 6 p.m. Monday through Saturday Eastern Time or 8 a.m. through 3 p.m. on Sunday eastern time. If you have to send a fax the number is 703-206-3724. 


For help with Navy Federal Investment Services or Navy Federal Financial Group, you can call 1-877-221-8108 8:30 a.m. through 7 p.m. Eastern Time Monday through Friday.

Business Solutions

If you need help with Business Solutions, you can call 1-877-416-1462 Monday through Friday from 9 a.m. through 5 p.m. eastern time. If you need to speak with a collections specialist, the number is 1-800-336-3767, and they are available Monday through Friday from 8 a.m. until 9 p.m. Eastern Standard Time. The general mailing address for Business Solutions is:

Business Solutions
P.O. Box 38000
Merrifield, VA 22119-3801

If you still have issues with Navy Federal and customer service hasn’t helped you, you have some legal alternatives. You can file a complaint against Navy Federal. Your user agreement probably prevents you from joining class-action lawsuits, but you can still see them in small claims court. Alternatively, you can use binding arbitration and file an official dispute against Navy Federal when customer service doesn’t resolve your problem.

Share your complaint about Navy Federal with FairShake today. 

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