Terms and Conditions (2024)

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Navy Federal Gift Card Terms and Conditions

The following disclosures explain your and our rights and responsibilities concerning your Navy Federal Gift Card. These Terms and Conditions are governed by Virginia law. In this Agreement, the words "you" and "your" mean the person who has received the Navy Federal Gift Card and the words "we", "us", and "our" mean Navy Federal Credit Union. The Card is not an account, does not earn dividends, is not re-loadable, and is not federally insured by the National Credit Union Administration.

Agreement and Amendments

We agree to maintain the Card for you and to perform according to this Agreement. By signing, activating, or using the Card or by permitting anyone else to use the Card, you agree to the provisions of this Agreement, which is subject to amendment. You further agree that this Agreement is binding on your successors, representatives, and assigns. The Card is our property, and we reserve the right to cancel or revoke its use at any time without prior notice, subject to applicable law.

Using Your Card

If your Card is personalized with a name, you must first activate your Card either online at navyfederal.org/mygiftcard or by phone at 1-866-262-7438. At the time of activation, you’ll be required to select a four-digit Personal Identification Number (PIN). If your Card is not personalized with a name, you can change your PIN by clicking “Sign In”. Navy Federal Gift Cards can only be used in the United States. U.S. territories are excluded. You may use your Card as often as you like to obtain goods and services up to the value of the Card. Each time you use your Card, we will deduct the amount of the transaction from the remaining value associated with the Card. The Card is not re-loadable and cannot be used after its value reaches zero. If you use your Card for more than its available value, you agree to pay us the difference upon demand. We recommend checking the balance of your Card before using it. In order to make purchases online or over the phone, the Card must first be registered with your name, address, and phone number. You may register your Card by visiting navyfederal.org/mygiftcard. Once signed in, click "My Profile" under the "My Settings" drop-down menu to enter your name, address, and phone number. Note: The fields marked with an asterisk (*) are required. All other fields are optional. We caution against using your Card at automated fuel pumps since the transaction could result in a decline or an inconvenient hold on available funds, which could last several days. Instead, we recommend going inside the gas station and using your Card to pay the cashier the exact amount prior to pumping the fuel.

Navy Federal will authorize transactions on available balances except under certain circ*mstances, such as if the Card is canceled or you attempt to use the Card in the following ways:

  • To obtain cash, except in the event of its cancellation, as described elsewhere in this Agreement
  • For gambling or any unlawful activity
  • To make regular, pre-authorized payments to third parties
  • To obtain cash from automated teller machines ("ATMs"), cash back at the Point of Sale ("POS"), or Teller Cash or Quasi-Cash Transactions
  • Outside of the United States or in U.S. territories

You cannot place a "stop payment" on any Card transaction after it has been completed. You agree to hold us harmless for any damages or other liability arising from transactions initiated by you for the purpose of conducting illegal activity. We reserve the right to decline authorization of transactions for activities we believe may violate law or pose significant risk to us or our members.

Card Expiration

The underlying funds on your Gift Card expire with the Card. Your Gift Card expiration date is embossed on the front of the Card. You can make purchases using your Card until either you reach the expiration date shown on the Card or you have used the full value of the Card. Gift Cards sold at branches in Arizona are exempt from the expiration of underlying funds and, upon request, may have a replacement Card issued for funds remaining on an expired Card.


Underlying funds may be transferred to the appropriate state (“escheated”) if there has been no Card activity within the time period specified by applicable state law.


In the event that one or more provisions of this Agreement shall for any reason be held invalid or illegal, such holding will not affect the enforceability of any other provision.

Charges and Fees

Gift Cards Charges and Fees
Fee TypeAmount
Card Purchase Charge$0
Inactivity Fee (After 12 consecutive months of no activity, the card will be charged $5.00 per month until the balance is depleted or you make a purchase. Cards sold in branches located in AZ, CT, HI, LA, ME, NH, NJ, RI, and VT do not incur inactivity fees.)$5.00
Lost/Stolen or Replacement Fee$5.00
Overnight DeliveryWeekday delivery $12.00
Saturday delivery $20.00

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.

Cardholder Liability for Unauthorized Transactions

NOTIFY US AT ONCE if you believe that your Gift Card or personal identification number (PIN) has been lost, stolen, or used (or may be used) without your authority. The best way to minimize your possible losses is by calling us at 1-866-262-7438 or writing to us at: Cardholder Services Center, Dispute Processing, P.O. Box 636001, Highlands Ranch, CO 80163-6001.

Timely Notice of Missing Gift Card

If you notify us within 2 business days after you learn of the loss or theft of your Card or PIN, you will not be liable if someone used your Card without your permission. If you fail to notify us within 2 business days after you learn of the loss or theft of your Card or PIN, you may be liable if someone used your Card without your permission.

Unauthorized Transactions

If your transaction history shows transactions that you did not make or authorize, tell us AT ONCE. If you do not tell us within 120 calendar days from the date of the transaction, your losses for unauthorized transactions that occur after those 120 days may be unlimited until you actually notify us.

Cardholder Service

You can review your Card's remaining value and transaction history 24 hours a day, 7 days a week by enrolling the Card online at navyfederal.org/mygiftcard. If you have any questions about the Card, you can contact us at 1-866-262-7438 or write to us at Visa Debit Processing Service, P.O. Box 026098, Miami, FL 33103.

Billing Error Resolution

If you use your Card to purchase merchandise or services and a dispute arises, you agree to make a good faith attempt to resolve the dispute with the merchant. If your attempts at contacting the merchant are unsuccessful, please contact us at 1-866-262-7438 or write to us at: Cardholder Services Center, Dispute Processing, P.O. Box 636001, Highlands Ranch, CO 80163-6001. We MUST hear from you no later than 120 days after your transaction history was FIRST made available or you obtained the receipt on which the problem or error appeared. If you choose to notify us via telephone about any errors or questions, we may also require you to submit your concerns in writing. You must provide the following information: your name and Card number, a description of the error or the transaction you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information, the dollar amount of the suspected error, and the date, time, and location of the suspected error. We may take up to 90 days to investigate your concern. If we determine there was an error, we will promptly correct it. If we determine there was no error, we will send you a written explanation.

Other Reasons for Dispute

Disputed transactions that are not covered by our Billing Error Resolution Process, such as defective, damaged, or non-receipt of merchandise or services, or items received “not as described”, will be handled at our discretion. Please first make a good faith attempt to resolve discrepancies with the merchant. If your good faith attempt is not successful, we may use our dispute resolution process to act on your behalf and pursue recovery of funds from the merchant, based on your statement supporting your claim, as well as any documentation we may request. We may not be able to recover your funds. We will report the results of the dispute resolution process to you within 90 days.

Disclosure of Information to Third Parties

We may disclose information to third parties about your Card or the transactions that you make where it is necessary for completing the transaction; to verify the existence and condition of your Card for a third party; to comply with government agency or court orders; if you give us your consent; or as otherwise required by law.

Terms and Conditions (2024)
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