Navy Federal ‘You only have access to Statements & Messages at this time’

Are you not able to access your Navy Federal account?

If you are getting the error message ‘you only have access to your statements and messages at this time’ on Navy Federal, you landed on the right page.

Here, we have explained why it’s happening and what you have to do to fix it.

So, let’s get started.

Why I am getting ‘you only have access to your statements and messages at this time’ Navy Federal

Short answer: The main reason you are getting the error message ‘you only have access to your statements and messages at this time’ on Navy Federal is because of the security precautions. It is likely to appear for people who haven’t verified their identity and address with Navy Federal.

you only have access to your statements and messages at this time

Well, if you have already verified your identity and address and still getting the same message, there can other reasons for that such as you are using an outdated version of Navy Federal app, or Navy Federal website is having issues or their servers might be facing a downtime.

Below, we have discussed the ways to get access to your Navy Federal account and fix the error ‘you only have access to your statement and eMessages at this time.’

How to Fix ‘You only have access to your statements and messages at this time’ error on Navy Federal

1. Verify your identity and address

As already mentioned above, the main reason you can’t access your Navy Federal account or your account is limited is because you haven’t verified your identity and address.

So, to fix the error you can verify your identity by providing detail via email or by visiting the Navy Federal branch:

  • Verify identity and address via the link on your email

You would have received an email from Navy Federal with a link to upload your document to verify your identity and address.

However, uploading the documents online to verify identity might take longer, so you can also visit the branch to make the process faster.

  • Verify identity & address by visiting Navy Federal branch

If you have not received any email to upload documents to verify your identity or want to make the process faster, you can visit a Navy Federal branch.

Visiting the Navy Federal branch to verify ID and address will be quick and faster than uploading the documents online.

Note: When you visit the branch do not forget to carry papers of your address proof and your ID. Also, carry the documents of your affiliation.

Some users on Reddit have also confirmed that by verifying their address and identity they were able to access their Navy Federal account.

Below, we have linked some comments of Reddit:

2. Servers of Navy Federal may be down.

Moving forward, if your Navy Federal account is already verified, and you are using it for quite some time now and still getting the error ‘You only have access to your statements and messages at this time’, it may be due to the server of  the Navy Federal.

So, it’s always good to know whether the issue lies on your end or on the server end.

You can check the server status of Navy Federal online for free.

We would suggest visiting the downdetector page for Navy Federal. Here, check the number of reports and user comments. If the number of reports are significant, it means the server of Navy Federal as having a hard time.

In the case, you would like to access your account after the servers gets restored.

You can also follow Navy Federal on Twitter for any updated related to server outages or other technical issues.

3. Update Navy Federal Mobile App

Moving forward, if the servers of the Navy Federal are also up and running normal, and you are still not able to access your account or have some limitations, the reason could be that you are not using the updated version of the Navy Federal mobile banking app.

If you don’t have the latest build of Navy Federal app, there can be certain bugs and issues causing certain errors and restricting you to access your account.

So, please make sure you have the latest version installed on your device.

Visit the Google Play Store or App Store on your Android or iOS device, respectively and search Navy Federal. Open the Navy Federal mobile app page and check whether an update is available or not.

4. Try using Navy Federal online banking

Moving on, if you are already using the latest version of Navy Federal app, it might be there are some technical issues with the app affecting users to access their account on the mobile devices.

In this case, we would suggest you to visit the Navy Federal website on a web browser and login to your account.

If you are able to access the account via online banking, it means mobile app of Navy Federal have some issues.

5. Other Limitations of Services

If you are still not able to access your account, there may be other restrictions or limitations on your Navy Federal account due to security reasons, suspected fraud or illegal activity or other reasons:

As per Navy Federal Disclosure Statement 

Your access to any services offered to you may be limited due to system outages, errors, backlogs, or suspected fraud or illegal activity—to the extent allowed by law—in order to maintain or restore security or performance to said systems. There are many reasons we may decline or prevent transactions to or from your account, but generally we do this to protect you, us, and our membership as a whole, or to comply with legal requirements. We may decline or prevent any or all transactions to or from your account.

So, if your account is restricted, you will have to contact Navy Federal support.


So, that’s it folks. After reading this post, I hope you were able to know why your Navy Federal account was restricted and how to fix it.

To read more such posts, have a glimpse at our debit card, credit card, online banking sections or simply follow a few related posts below.

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