Guide: Navy Federal lost Credit card/ Debit card

Have you lost your Navy Federal card?

Do you want a guide to help you out if you lost your NFCU credit or debit card?

Well, we are here to help with our detailed guide. Find the steps required to freeze, disable, report or replace your Navy Federal card.

If you are ready, let us proceed without further delay.

Guide: Navy Federal lost card

If you have lost your Navy Federal credit or debit card, there are some steps you are required to follow based on the situation.

1. Temporarily disable your card

You can easily disable or freeze your card with the help of the Navy Federal app. You can always freeze your card if it is lost, and you can make sure you can find it in a known place.

Freezing means temporarily disabling the card. You can lift the freeze if you find your Navy Federal debit or credit card again and freeze it as many times as you want.

If you are new to the NFCU‘s app or don’t know how to freeze the card, you can follow the steps below for assistance.

Step 1 – Open NFCU’s official app

First of all, you must download the Navy Federal app if you do not have it installed on your mobile device. The app is available for free on both Android and iOS devices.

Open the app and log in with your details and proceed with the next step when done.

Step 2 – Select the card

Now that you have logged in with your account, you will find yourself on the homepage of the app. Here, you need to go to the ‘Accounts’ section.

See at the bottom of the page, and the Accounts section is at the very left of all the tabs, right next to the ‘Transfers’ tab.

In the Accounts tab, you will be shown a list of all debit and credit cards that have been linked with your account. Here, you are required to select the account associated with the card that you want to freeze.

Select the card and proceed with the next step.

Step 3 – Select Manage Card

Now, after you select the account associated with the card, you will find many more options on the page.

Here, you need to select the ‘Manage Card’ option. The one with the gear and card icon.

Step 4 – Toggle Freeze Card

And that’s pretty much it. On selecting the option to manage the card, you will see some more related options.

Here, select the ‘Freeze Card’ option, and you will see ‘On’ written right next to the card, which indicates that the card is currently disabled.

You can Unfreeze the card by following the same steps.

2. Report Unauthorized Transactions

Well, if your card is temporarily lost, or you are sure you will be able to find it, then freezing the card is an appropriate option. But, what if you observed a transaction that you never authorized?

It is quite possible that the card has been used when you lost its access. In that case, you can always report the unauthorized transaction even if you have found your card.

You can visit the official NFCU page link for reporting unauthorized transactions.

If you only have access to the NFCU’s app, you can go to the ‘Manage Card’ option after selecting the account associated with your lost card in the ‘Accounts’ section. There, you will see the ‘Report Fraud’ option. Select it and submit the required information.

3. Report stolen card

Now you know the required to be taken when your card is lost. What happens if your card has been stolen?

Well, first of all, we will suggest you confirm if your card has been stolen. Try finding your card in your wallet or ask your family member if they have seen it. The procedure of reporting a stolen card takes effort, so be sure if you really need to do that.

Once you are sure, you can report your stolen card by easily contacting the Nave Federal support team.

There are many convenient ways of contacting support.

  1. You can call the NFCU support team at 1-888-842-6328.
  2. If you find it hard to call support, you can try contacting them at their official social media handles. We recommend contacting them on Twitter. You can also find them on Facebook.
  3. If none of the methods works, we will highly recommend you to visit the nearest Navy Federal branch and explain your issue to them.

4. Apply for card replacement

If you have lost your Navy Federal and are sure that you are not going to find it, the first step, as we discussed previously in this post, would be to report it to the Navy Federal team.

And once you are done reporting the lost card, you can now apply for the card replacement. The best part is you can apply for a replacement using your mobile app, official website and on the phone. Follow the steps mentioned below to apply for a card replacement.

Using Mobile App

  • Step 1 – Open Navy Federal mobile app.
  • Step 2 – Go to Account section.
  • Step 3 – Select the account associated with the card you want to apply replacement for.
  • Step 4 – Select the ‘Manage Card’ option
  • Step 5 – Select the ‘Replace Existing Card’ option

And that’s pretty much it. You just have to wait to receive the card in your mail. You will have to Activate the card to use it. Select the ‘Manage Card’ option and select the ‘Activate Card’ option.

Using official website

  • Step 1 – Go to official NFCU website.
  • Step 2 – Log in with your online banking credentials.
  • Step 3 – Go to the Request a New Debit Card‘ page.
  • Step 4 – Follow the on-page instructions

Same instructions applies when you apply replacement from official website. Activate you card to use it.

On call

Call Navy Federal customer care team at –

  • Stateside: 1-888-842-6328
  • International: Universal International Freephone Number (UIFN): +800-0-842-6328

Ask them for the card replacement and be ready to submit details like account number and other related information to prove your identity.


Q1. How to apply for Navy Federal Replacement Debit Card

Answer: To apply for a Navy Federal replacement debit card, you just need to go to the Accounts tab on your NFCU mobile app. There select the account associated with the card you wish to replace. Then select the ‘Manage Card’ option and finally the ‘Replace Existing Card’ option.


In this post, we have discussed how you can freeze your lost Navy Federal card or report it if it’s been stolen. Along with the steps involved, we have mentioned important details as well.

If you have related queries, feel free to contact us.