What is the daily ATM withdrawal and deposit limit at Navy Federal Credit Union?

NFCU members can't withdraw more than $1,000 daily using a debit card at Navy Federal ATMs. The $1,000 limit includes withdrawals at other ATMs and any cash back from merchants. For deposits, both cash and check, the limit is $10,000 daily (in total).

Can I increase my ATM withdrawal and deposit limits permanently at Navy Federal Credit Union?

You can contact Navy Federal to see if the credit union will increase your limits, but a temporary increase may be easier than a permanent one. Contact NFCU customer service at 1-888-842-6328.

Are there fees if I exceed my ATM limits at Navy Federal Credit Union?

If you attempt to exceed your Navy Federal withdrawal or deposit limit at an ATM, the transaction will likely be rejected. According to Navy Federal, there is no fee for a rejected transaction at NFCU ATMs, but at an out-of-network ATM, you'll be charged $1. At a Co-op ATM, you may be charged $2 for deposit discrepancies and $6 for returned check deposits.

What should I do if a transaction fails due to my limits?

If you try to withdraw above the limit from a Navy Federal ATM and it fails, you might want to check with your bank to confirm the exact transaction limits. If you can, contact the bank to ask for an increase. Or, use a different card or a different account.

How can I withdraw and deposit more money than the Navy Federal ATM limits?

The easiest way to withdraw a significant sum from your Navy Federal account is at a physical branch. If that isn't an option, you can withdraw $1,000 daily using your debit card. You can also use the Navy Federal mobile app to transfer up to $5,000 per business day but no more than $15,000 per five business days from your NFCU account to another bank. You can then withdraw the cash from the other bank.

Do the Navy Federal ATM limits apply at all ATMs?

ATM withdrawal limits vary by bank, account type and ATM. If your bank and account allow $1,000 withdrawals but you can't locate an ATM that does, you may have to visit a few different ATMs to make multiple withdrawals totaling $1,000. However, as an NFCU member, you will be unable to withdraw more than $1,000 per day no matter which ATM you use.

Are Navy Federal ATMs available internationally?

Yes, you can usually find Navy Federal ATMs internationally, though primarily on U.S. military bases. You may be subject to additional fees if you use an out-of-network. For example, there's an International Service Assessment (ISA) fee, which will be 1% of the amount you've withdrawn. Visa will assess this fee to cover any currency conversions.

How do I find fee-free ATMs near me?

To find a Navy Federal ATM and avoid fees, you can use the branch and ATM locator tool on its website.

Advertiser Disclosure

Navy Federal Withdrawal Limit: ATM and Deposit Rules To Know

June 23, 2025

7 min Read

Written by Andrea Norris

Edited by Elizabeth Constantineau

Commitment to Our Readers

GOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.

20 Years
Helping You Live Richer

Reviewed
by Experts

Trusted by
Millions of Readers

Life is expensive, and it’s essential to have access to your cash when you need it. If you have a Navy Federal Credit Union account, you should know its ATM limits and how to access your money. Read on for an overview of Navy Federal withdrawal limits and rules.

What Are Navy Federal ATM Withdrawal and Deposit Limits?

Here’s how much cash you can withdraw and how much you can spend using your Navy Federal debit card, as well as the total amount you can deposit at an ATM.

Navy Federal ATM Withdrawal Limit

The standard Navy Federal withdrawal limit is $1,000 per day in cash. This limit applies to any combination of Navy Federal ATMs, other ATMs and merchants that allow cash back.

Navy Federal Spending Limits

You may spend $3,000 daily using your debit card unless you have a Navy Federal Flagship Checking account. Flagship accountholders have a daily debit card transaction limit of $5,000.

Navy Federal ATM Deposit Limit

You can deposit up to $10,000 daily at any Navy Federal or Co-op network ATM. This includes both cash and checks.

For cash or checks totaling more than $10,000, stop by a Navy Federal branch and deposit using the teller line or drive-thru. If you just have checks, you can use the mobile deposit feature of the Navy Federal app to deposit up to 10 checks totaling no more than $50,000 per business day.

How Quickly Are My Funds Available After Making a Deposit?

The first $225 of your check deposit — whether at a Navy Federal ATM or in a branch — is available to withdraw for cash by the next business day after your deposit. Your remaining deposit balance is available by the second business day.

Cash deposits at Navy Federal ATMs are available immediately for cash withdrawals and by the second business day for other purposes.

Navy Federal Transfer Limits

You can access your Navy Federal funds by transferring them to an account at another bank. Here’s what you should know about the credit union’s limits on fund transfers:

Minimum transfer amount: $5 per transaction
Maximum transfer amount: $5,000 per business day
Transaction limit: No limits on the number of transactions you can complete per day
Weekly limit: $15,000 total per five business days

How To Increase Your Navy Federal ATM Withdrawal and Deposit Limits

You can try to increase your Navy Federal withdrawal limits by calling the credit union at 888-842-6328.

However, according to some people, it may be easier to temporarily increase your spending limit for your debit card than to increase ATM limits. This solution might work for you if you want the increase in order to make a large purchase.

What Affects Your Navy Federal ATM Withdrawal and Deposit Limits?

Navy Federal’s ATM withdrawal and deposit limits are set the same for all NFCU members, no matter what accounts they have or which ATMs they use.

There is a difference in spending limit depending on which account you have, though. Members with a Flagship Checking account have a higher daily spending limit — $5,000 compared to $3,000.

How To Withdraw and Deposit More Than the ATM Limits at Navy Federal Credit Union

If you’re nearing your ATM limits for the day, you may still be able to access your money using the following methods:

Request an Increase

Some financial institutions may grant limit increases, whether temporary or permanent. Call Navy Federal at 888-842-6328 to see if it will give you a temporary increase.

Cash Back on a Debit Purchase

If you aren’t near an ATM to make a withdrawal, check a nearby merchant. Many stores and gas stations offer cash back for PIN-based transactions. The limit will vary from store to store.

Withdraw Cash From Another Account

If you have a separate savings account or checking account with a debit card, transfer money from NFCU to the other account using online banking and then use that account’s debit card at an ATM or merchant to access your funds.

Stop By a Branch

Even if you’ve reached your cash withdrawal limits at ATMs or merchants, you can still stop by a branch and withdraw cash in person. Make sure you have your identification.

Navy Federal ATM Fees and Charges for Exceeding Withdrawal and Deposit Limits

For the most part, Navy Federal and partnering Co-op ATMs don’t charge fees. However, you will face fees for using out-of-network ATMs. The ATM fees are as follows:

$1 for cash withdrawal
$1 for rejected transaction
$1 for transfer
$1 for inquiry
$1 for invalid PIN attempt
$1 for credit card advance (plus ATM owner fees)

Co-op ATMs charge a $0.50 fee for credit card advances, and under the rejected transactions category they charge $2 for deposit discrepancies and $6 for returned check deposits.

Navy Federal Limits: FAQ

Wondering how much cash you can take out or deposit with Navy Federal? Here are answers to the most common questions.

What is the daily ATM withdrawal and deposit limit at Navy Federal Credit Union?
- NFCU members can't withdraw more than $1,000 daily using a debit card at Navy Federal ATMs. The $1,000 limit includes withdrawals at other ATMs and any cash back from merchants.
- For deposits, both cash and check, the limit is $10,000 daily (in total).
Can I increase my ATM withdrawal and deposit limits permanently at Navy Federal Credit Union?
- You can contact Navy Federal to see if the credit union will increase your limits, but a temporary increase may be easier than a permanent one. Contact NFCU customer service at 1-888-842-6328.
Are there fees if I exceed my ATM limits at Navy Federal Credit Union?
- If you attempt to exceed your Navy Federal withdrawal or deposit limit at an ATM, the transaction will likely be rejected.
- According to Navy Federal, there is no fee for a rejected transaction at NFCU ATMs, but at an out-of-network ATM, you'll be charged $1.
- At a Co-op ATM, you may be charged $2 for deposit discrepancies and $6 for returned check deposits.
What should I do if a transaction fails due to my limits?
- If you try to withdraw above the limit from a Navy Federal ATM and it fails, you might want to check with your bank to confirm the exact transaction limits. If you can, contact the bank to ask for an increase. Or, use a different card or a different account.
How can I withdraw and deposit more money than the Navy Federal ATM limits?
- The easiest way to withdraw a significant sum from your Navy Federal account is at a physical branch.
- If that isn't an option, you can withdraw $1,000 daily using your debit card.
- You can also use the Navy Federal mobile app to transfer up to $5,000 per business day but no more than $15,000 per five business days from your NFCU account to another bank.
- You can then withdraw the cash from the other bank.
Do the Navy Federal ATM limits apply at all ATMs?
- ATM withdrawal limits vary by bank, account type and ATM. If your bank and account allow $1,000 withdrawals but you can't locate an ATM that does, you may have to visit a few different ATMs to make multiple withdrawals totaling $1,000. However, as an NFCU member, you will be unable to withdraw more than $1,000 per day no matter which ATM you use.
Are Navy Federal ATMs available internationally?
- Yes, you can usually find Navy Federal ATMs internationally, though primarily on U.S. military bases. You may be subject to additional fees if you use an out-of-network. For example, there's an International Service Assessment (ISA) fee, which will be 1% of the amount you've withdrawn. Visa will assess this fee to cover any currency conversions.
How do I find fee-free ATMs near me?
- To find a Navy Federal ATM and avoid fees, you can use the branch and ATM locator tool on its website.

More About Navy Federal Credit Union

Melanie Grafil and Katy Hebebrand contributed to the reporting for this article.

Data is accurate as of June 23, 2025, and is subject to change.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.