topic Re: NFCU in Personal Finance

NFCU

Anonymous — Mon, 03 Feb 2020 16:26:28 GMT

On Saturday, DW and I went into a local branch and opened accounts. While we were there I decided to question the woman opening our accounts. DW had her father's discharge paperwork etc so opening the account was painless but I asked her what if I didn't have my paperwork. She stated we look up the info in a government program but we require you to bring in the paperwork within 30 days or we freeze your accounts until you present proof. It made me wonder if some branches are more stringent with eligibility or if she was trying to do a scare tactic?

Another tidbit was since DW and I have different last names, she was happy our addresses matched or we would have had to show proof we were married.

Re: NFCU

M_Smart007 — Mon, 03 Feb 2020 16:36:47 GMT

@Anonymous wrote:
On Saturday, DW and I went into a local branch and opened accounts. While we were there I decided to question the woman opening our accounts. DW had her father's discharge paperwork etc so opening the account was painless but I asked her what if I didn't have my paperwork. She stated we look up the info in a government program but we require you to bring in the paperwork within 30 days or we freeze your accounts until you present proof. It made me wonder if some branches are more stringent with eligibility or if she was trying to do a scare tactic?
Another tidbit was since DW and I have different last names, she was happy our addresses matched or we would have had to show proof we were married.

Congrats and Welcome To The Navy Family!

It is possible that they could be cracking down on membership.

I think a lot of people are trying to get in who do not qualify.

Re: NFCU

Anonymous — Mon, 03 Feb 2020 16:53:22 GMT

@M_Smart007 wrote:
@Anonymous wrote:
On Saturday, DW and I went into a local branch and opened accounts. While we were there I decided to question the woman opening our accounts. DW had her father's discharge paperwork etc so opening the account was painless but I asked her what if I didn't have my paperwork. She stated we look up the info in a government program but we require you to bring in the paperwork within 30 days or we freeze your accounts until you present proof. It made me wonder if some branches are more stringent with eligibility or if she was trying to do a scare tactic?
Another tidbit was since DW and I have different last names, she was happy our addresses matched or we would have had to show proof we were married.
Congrats and Welcome To The Navy Family!
It is possible that they could be cracking down on membership.
I think a lot of people are trying to get in who do not qualify.

Thank you! The branch I was in the employees were so friendly and helpful which was a nice change of pace but that was my thought when she said that. I will say she also was quite happy when DW stated she was moving her banking away from Key Bank to Navy. I am thinking they deal with quite a few people who only open accounts to get loans and credit cards.

Re: NFCU

AllZero — Mon, 03 Feb 2020 18:18:17 GMT

Congratulations on your membership!

Re: NFCU

AverageJoesCredit — Mon, 03 Feb 2020 20:29:07 GMT

Congrats

Moving ones money to Navy isnt a prerequisite to enjoying what Navy has to offer. For some , their banking doesnt fulfill their needs and for others it does. Navys credit cards and loans are nice but beatable. Its their service and attention to ALL their members needs, rich and poor, that they shine in , in my humble opinion.

Re: NFCU

M_Smart007 — Mon, 03 Feb 2020 20:29:46 GMT

@Anonymous wrote:
@M_Smart007 wrote:
@Anonymous wrote:
On Saturday, DW and I went into a local branch and opened accounts. While we were there I decided to question the woman opening our accounts. DW had her father's discharge paperwork etc so opening the account was painless but I asked her what if I didn't have my paperwork. She stated we look up the info in a government program but we require you to bring in the paperwork within 30 days or we freeze your accounts until you present proof. It made me wonder if some branches are more stringent with eligibility or if she was trying to do a scare tactic?
Another tidbit was since DW and I have different last names, she was happy our addresses matched or we would have had to show proof we were married.
Congrats and Welcome To The Navy Family!
It is possible that they could be cracking down on membership.
I think a lot of people are trying to get in who do not qualify.
Thank you! The branch I was in the employees were so friendly and helpful which was a nice change of pace but that was my thought when she said that. I will say she also was quite happy when DW stated she was moving her banking away from Key Bank to Navy. I am thinking they deal with quite a few people who only open accounts to get loans and credit cards.

I wish I had a branch near Me! ..Closest one is 62.2 miles away. The reps on the phone have always been super nice.

and I have been able to do everything through phone app or online banking. It is great that they are Avail. 24/7 365 days.

I find The customer service outstanding and have had not one single problem. They really try

Re: NFCU

M_Smart007 — Mon, 03 Feb 2020 20:30:53 GMT

@AverageJoesCredit wrote:
Congrats

Moving ones money to Navy isnt a prerequisite to enjoying what Navy has to offer. For some , their banking doesnt fulfill their needs and for others it does. Navys credit cards and loans are nice but beatable. Its their service and attention to ALL their members needs, rich and poor, that they shine in , in my humble opinion.

Hey AJC, Let Me know next time you are typing ..lol

Re: NFCU

Traveler101 — Tue, 04 Feb 2020 01:48:48 GMT

Congrats!

Re: NFCU

AverageJoesCredit — Tue, 04 Feb 2020 13:12:05 GMT

@M_Smart007 wrote:
@AverageJoesCredit wrote:
Congrats

Moving ones money to Navy isnt a prerequisite to enjoying what Navy has to offer. For some , their banking doesnt fulfill their needs and for others it does. Navys credit cards and loans are nice but beatable. Its their service and attention to ALL their members needs, rich and poor, that they shine in , in my humble opinion.
Hey AJC, Let Me know next time you are typing ..lol

Lol i would Smartie but im too busy applying for Navy cli

Re: NFCU

M_Smart007 — Tue, 04 Feb 2020 15:49:22 GMT

@AverageJoesCredit wrote:
@M_Smart007 wrote:
@AverageJoesCredit wrote:
Congrats

Moving ones money to Navy isnt a prerequisite to enjoying what Navy has to offer. For some , their banking doesnt fulfill their needs and for others it does. Navys credit cards and loans are nice but beatable. Its their service and attention to ALL their members needs, rich and poor, that they shine in , in my humble opinion.
Hey AJC, Let Me know next time you are typing ..lol
Lol i would Smartie but im too busy applying for Navy cli

Another one? .. how much credit can you SD use?

Re: NFCU

Anonymous — Tue, 04 Feb 2020 20:55:25 GMT

I'm speculating here but I do not think they are cracking down. What she told you has always been the policy and 100% accurate. Their first, lets call it "line of defense", has always been to try to verify the eligibility information via databases so the potential member does not have to provide any docs. Then if that cannot be done they move onto other methods. Since you are joining via your wife asking for proof of marriage is ok. But since you live at the same address you qualify under the roomate provision which they can easily prove with the ID provided, therfor no need for marriage docs. This is why probably 99% of couples never have to provide docs because they qualify under the cohabitating clause anyway.

Re: NFCU

Anonymous — Tue, 04 Feb 2020 22:15:05 GMT

I would say the Navy system to check eligibility is second to none. So many members, and that's just the DP's from here, have never had to provide anything as the system found it. While most of us can provide a DD-214, we've never been asked too.

Agreed with above. CS at Navy is the best.

Re: NFCU

AverageJoesCredit — Wed, 05 Feb 2020 00:31:56 GMT

C'mon @Anonymous, Dear Daughter 214 or Discover Dippin 214?😁

Re: NFCU

Anonymous — Wed, 05 Feb 2020 04:05:12 GMT

@AverageJoesCredit wrote:
C'mon @Anonymous, Dear Daughter 214 or Discover Dippin 214?😁

@AverageJoesCredit YES!

Re: NFCU

Chache — Thu, 06 Feb 2020 01:54:41 GMT

I have been with navy with no proof for over 3 years now and i didnt meet any of the requirements to get in guess i got lucky

Re: NFCU

FinStar — Thu, 06 Feb 2020 05:58:25 GMT

@Chache wrote:
I have been with navy with no proof for over 3 years now and i didnt meet any of the requirements to get in guess i got lucky

@Chache - through what method did you join NFCU 3 years ago? Was this membership done through a branch?

Re: NFCU

Chache — Thu, 06 Feb 2020 06:20:03 GMT

Online

Re: NFCU

AverageJoesCredit — Thu, 06 Feb 2020 16:59:24 GMT

Im curious @Chache , did you happen to use the Navy League to join Navy Fed? Alot of lucky people joined that way.

Re: NFCU

Chache — Thu, 06 Feb 2020 19:06:08 GMT

Come to think of it im not sure i work for the govt but nothing to do with a branch of service

Re: NFCU

financialfreedom777 — Thu, 06 Feb 2020 23:25:51 GMT

Awesome, congrats!

I'd love to get in with Navy. Recently joined PenFed and they've frozen my account for 30days and I can't request a bank card for several months, I passed their check but they say this is protocal for new accounts.

I wonder, my uncle was in the Army, could I apply with Navy and say he is immediate family member instead of my Unc? Will they ask for some sort of proof?