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Get Your Money in Seconds

With FedNow® and RTP® instant payments, you can get access to your deposits in seconds rather than days—securely and at no cost to you.

  • Manage Your Cash in Real-Time

    Money sent to your account will be available to use within seconds.Footnote 1

  • Helps Avoid Overdrafts

    Both FedNow and RTP operate 24/7, so new deposits will be reflected in your account balance immediately.Footnote 1

  • Keep Your Payment Info Secure

    Your account details are protected by the same technology we use to keep all our member payments secure.

Still Have Questions?

Instant payments make it easy to receive and access funds quickly—no matter the time of day or day of the year.

How can I use FedNow or RTP?

Some common uses include direct deposit of paychecks, transfers from other financial institutions, and moving money from digital wallets and person-to-person apps. Check with the sender to see if they offer RTP or FedNow. Navy Federal doesn’t charge a fee to use either network.

Can I send instant payments from my Navy Federal account?

Currently, you can’t send money from your Navy Federal account using RTP or FedNow. You can only have money deposited at this time, and the payment must be sent from a financial institution that also participates in RTP or FedNow.

What’s the difference between FedNow and RTP?

FedNow is operated by the Federal Reserve. The Real-Time Payments (RTP) network is operated by The Clearing House. Both networks allow financial institutions to move money instantly between businesses and people.

Disclosures

1

We can accept Real Time Payments and FedNow Payments to your checking, savings, and MMSA accounts. However, such payments cannot be applied to Navy Federal loan products. Transmission of funds through RTP and FedNow are only available between accounts located in the US. This applies even if you are sending or receiving a payment on behalf of another person. All persons who send, receive, or benefit from an RTP or FedNow transaction must also reside in the US. Transfers of money you receive through RTP or FedNow will generally be available immediately upon receipt of the funds, 24 hours a day, 7 days a week. However, funds received by Navy Federal on or after 8:00 pm (Eastern Time) will not be available until the following Business Day for processing some items such as Automated Clearing House (ACH) debits and checks, but Optional Overdraft Protection Service (OOPS) fees will apply, as applicable.

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Although NFCU does not charge fees to receive, the sending bank could charge the sender a fee.