Navy Federal Question…?

[MittenMan88]

I have a question, so I applied for a NFCU account and was instantly accepted but I accidentally put the family veteran part when I meant to put roommate because my best friend is in the national guard. I do have family members that’s in the military but mainly cousins, I’m not sure if any of my grandparents were. They already sent my card, I signed up for direct deposit, and everything just been smooth. Should I call and try to switch to the roommate option or just let it be? I’m thinking they already knew because we shared the same address even though he doesn’t bank with them, it’s like after I entered my soc and driver license I was instantly accepted.

[coldfusion]

I'd suggest you just leave things be,  beyond making sure that you have and keep on hand evidence that a) your bff is currently your roommate,  and b) that your bff is either a current member or is eligible for membership.

NFCU does sometimes circle back and later ask that you provide positive evidence that you qualify for membership - if they do that they freeze your accounts and if you fail to show that you qualified they aren't afraid to ultimately revoke your membership - but the overall odds of you being asked to prove you qualifed for membership are actually quite low.

[TrapLine]

This is a quandry?

Like the: " ... old don't poke the bear ..."?

Best Wishes on this one!

[pizzadude]

I agree with the non-bot responses above, no need to do anything at this point.  

[Guyatthebeach]

@MittenMan88,

Personally I would leave it alone.  I would make a copy of everything showing your roommate is eligible, and provide the information when asked.

Hopefully the membership eligibility will not contact you.

Great credit union in my opinion. 

Guyatthebeach

[SouthJamaica]

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@MittenMan88 wrote:

I have a question, so I applied for a NFCU account and was instantly accepted but I accidentally put the family veteran part when I meant to put roommate because my best friend is in the national guard. I do have family members that’s in the military but mainly cousins, I’m not sure if any of my grandparents were. They already sent my card, I signed up for direct deposit, and everything just been smooth. Should I call and try to switch to the roommate option or just let it be? I’m thinking they already knew because we shared the same address even though he doesn’t bank with them, it’s like after I entered my soc and driver license I was instantly accepted.

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Personally I would let it be. I don't think they'll ever bother you but if they do you can say that you felt it was ok because roommate is part of your household. Or you can find out which grandparent(s) were in the service.

[ptatohed]

I remember the day I walked in to open an account and the lady at the front podium checking me in asked how I was eligible and I replied "SIG" and she said take a seat.  The banker dude came and got me, we went back to his desk, we opened a $5 savings and a Flagship CC and he said You're all set,  have a great day.  And I asked Do you want to see my business card or employee badge or anything?  And he said Nope.  

[AndrewF]

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@ptatohed wrote:

I remember the day I walked in to open an account and the lady at the front podium checking me in asked how I was eligible and I replied "SIG" and she said take a seat.  The banker dude came and got me, we went back to his desk, we opened a $5 savings and a Flagship CC and he said You're all set,  have a great day.  And I asked Do you want to see my business card or employee badge or anything?  And he said Nope.  

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They have an automated system that can verify military households but not grandparents.

Many people just say they had a grandfather in the Army during WWII and the people open the account so I doubt it's going to be a big deal.

A former employee of NF told me they were mainly auditing people who opened accounts and then soon after applied for big loans because they've had people who didn't qualify try to sneak in and immediately get loans from them, and then some of them filed for bankruptcy.

It's an open secret that NF is lax on loan underwriting compared to most banks. She said their other major audit target are people who get in and then start referring a bunch of other members.

Like, if you just open up a checking and savings and then years go by and you ask for a loan, probably they'd consider you for the loan and not do the audit, but if you're holding the door open for people or you apply for loans right away, they're more likely going to audit you.

If you know most of your grandparent's info, you can go to the National Archives and submit a request for their DD 214 separation papers, which is what NFCU would want. It has to have been at least 62 years since they separated if you're requesting them and are not next of kin, under public records law.

[donwhall70]

I went this route and they sent me some info but apparently his records were burnt in a fire? They sent me a certification of service in lieu of for proof of service. I had no idea that part of the archives had burned down.