FAQs

Bill Pay

What happens when I cancel a bill payment?

After you cancel a bill payment, the status of that scheduled payment changes to canceled in your payment history and will not be processed.

Follow these steps to cancel a payment:

  1. Click Bill Pay in the blue banner
  2. Click on View Payment History on the right side of the screen
  3. Click on the red X next to the payment you wish to cancel
  4. Click Yes to cancel the payment

You cannot use Bill Pay to pay: 

  • Any company or person with an address outside the US or its territories
  • The IRS
  • Federal or State government agencies
  • State-ordered payments (such as alimony, child support, etc.)
  • Court-ordered payments (Such as fines, court costs, etc.)

Use the steps below to change a recurring/automatic bill payment:

  • Log in to Online Banking or the Mobile App
  • Select the Bill Pay tab
  • Select Options under the bill you would like to update
  • Select Automatic Payment
  • Make your desired changes and click or tap the Save button when you’re finished

A Bill Pay biller will debit your account within 2 business days of the payment due date. Your account may be debited sooner if you request a same-day or expedited payment. 

When you schedule a bill payment, the system will show you the earliest available payment date. This is typically 2 business days from the current date for electronic payments or 4 business days for other payment types (such as check payments).

To avoid late payments, be sure to schedule bill payments 2-4 days before the due date.

View Report provides a detailed status of your payment.

To view the status of a payment:

  1. Click Bill Pay in the blue banner
  2. Click View Payment History on the right side of the screen
  3. Click the Magnifying Glass next to the payment status you wish to view

To use Bill Pay, you must submit your application through Online Banking. 

Log in to Online Banking and click on Bill Pay to apply. You will receive an approval email. You must be 18 years of age to enroll.

You can pay anyone in the United States that you would normally pay by check or automatic debit, even if you do not receive bills from the company or person you want to pay.

You cannot use Bill Pay to pay:

  • Any company or person with an address outside the US or its territories
  • IRS
  • Federal or State government agencies
  • State (alimony)
  • Court-ordered payments

 

To use Bill Pay, log in to Online Banking and click on Bill Pay to apply. An approval email will be sent. You must be 18 years of age to enroll.

Navigant Credit Union knows there is nothing more important to our members than knowing that their transactions are private and secure. Therefore, we are using the latest in advanced technology to process your transactions. Please update your browser to the latest version available to ensure online bill pay services process successfully.

Sometimes the payee may not credit your account immediately after receiving a payment. The payee’s payment system can take a few days to show the credit to your account. Wait a few days after the scheduled pay date to see if the payment is credited to your account. Call the payee’s customer service if the payment is not credited after two days. If the problem still isn’t resolved, you can contact our Contact Center at 401-233-4700, and we will open a research request on your behalf.

The total payment limits for Bill Pay are $9,999 per transaction and up to $19,999 per day.

To utilize our free Bill Payment service you must:

  • Have a checking account
  • Be at least 18 years of age
  • Submit an application through Online Banking.

Yes, if you have multiple checking accounts, contact our Contact Center for assistance at 401-233-4700. 

Use the following steps to cancel a Bill Pay transaction: 

  1. Log into Online Banking
  2. Select the Bill Pay tab
  3. Locate the payment under My Payments on the right

 

If your payment is not displayed, click View Payment History to search for it.

  • Click the red x next to a payment to cancel it
  • Click Yes to confirm the cancellation

 

Once you cancel a payment, the status will change to “Canceled” in your payment history and will not be processed. 

Bill Pay sends payments electronically whenever possible. If the company or person cannot receive electronic payments, Bill Pay prints a check and sends it to the billing address.

You cannot use Bill Pay to pay:

  • Any company or person with an address outside the US or its territories
  • IRS
  • Federal or State government agencies
    State (alimony)
  • Court-ordered payments

 

You can pay anyone in the United States that you would normally pay by check or automatic debit, even if you do not receive bills from the company or person you want to pay.

Bill Pay is a free service available to all Navigant members.

You should submit electronic payments 2 business days in advance and check payments 5 business days in advance.

To calculate a send date, click on the calendar located next to the Pay button on the Make Payments screen. 

Once your Bill Pay application has been approved, you will receive an e-mail notification 24 hours after you register. Bill Pay service is available 24 hours a day, seven days a week. Sufficient funds must be available in the checking account. If the funds are not available, insufficient funds fees will apply. If you have elected Overdraft Protection, sufficient funds must be available in the overdraft source.

No. For your security, your full account number is masked in Bill Pay.

Digital Banking

Why am I getting locked out of Online Banking?
After several failed login attempts, your Online Banking account will lock automatically for security reasons. Visit our login page, click the Forgot Password link, and try resetting your password. If you still cannot log in, contact us to have your account unlocked.

To change your phone number for text banking, you must first deactivate your current number.

Follow the steps below to deactivate your current phone number and add a new one:

  1. Log into Online Banking
  2. Click My Settings
  3. Select Alerts & Notifications
  4. Click the trash icon next to a number to delete it

 

You can also text STOP to 454545 to discontinue text banking:

  1. Click the + icon to add your new number
  2. Follow the prompts to verify your device
  3. Click Save when you are finished

Yes. Just go to the Mobile Banking & Alerts page in Online Banking, click the weekly account balance notifications check-box to deselect it, and save your changes.

Yes! You can print your statements with Digital Statements through Online Banking.

Yes! Simply conduct a transfer through our Mobile Banking App! If you are not a Mobile Banking user yet, download our app today and see what you can do on-the-go!

Transfer through Text Message Banking

Follow the steps below:

  1. Select a “transfer source” account on Mobile Banking & Alerts in Online Banking
  2. Text TRANS followed by the dollar amount to 454545
    Example: to transfer $400 to your primary account from the transfer source account, you would type TRANS 400

 

You will receive a message with the updated account balances for both accounts.

Please be aware that you can only transfer into your primary account with this method.

You can schedule immediate and future one-time or recurring transfers in Mobile Banking.

Follow these steps to make a transfer in Mobile Banking:

  1. Log in to the Mobile App
  2. Tap the Transfer icon
  3. Select your To and From accounts
  4. Select your payment date and frequency
  5. Enter your transfer amount
  6. Tap Make Transfer
  7. Review your transfer details and tap Confirm

When you select an account name link on the Accounts tab, up to 15 transactions display for the last 10 days. Use the vertical scroll bar to see all of your transactions. If more than 15 transactions occurred during that period, select the More History button to view the rest of your transactions.

No! We won’t charge you. This is a free service.

Please keep in mind, standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you aren’t sure what fees apply when you send and receive text messages.

During set up we will send you a text message with your activation code. If you have already submitted your mobile number during setup, please check your mobile device now. You should receive a text message with your activation code within a few minutes. 

Yes. Mobile Deposit is only available through the Mobile App. In order to use the Mobile App, you must first be registered for Online Banking.

Once enrolled, you will use your Online Banking credentials to log in to the Mobile App.

For Mobile Deposits received by 4:00 PM EST on a business day, we will consider that the day of deposit. Deposits after this time or on a non-business day will be considered deposited on the following business day.

The first $275 of your deposit will be available the day of deposit and the remaining funds will be available on the next business day.

To deactivate Text Message Banking service:

  1. Log in to Online Banking
  2. Navigate to the mobile banking page
  3. Click the deactivate link next to your mobile device number

 

You can also text STOP to 454545 from your activated cell phone. Your phone will no longer receive any text messages from Text Message Banking.

You can add a new phone at any time if you change your mind later.

Mobile Web banking from Navigant Credit Union is free. However, you are required to subscribe to a data plan through your wireless provider. You should check with your wireless provider if you aren’t sure whether additional fees might apply.

The shortcode is 454545. This shortcode will only work if you have activated the Text Message Banking Service.

Once your number is activated, use any of the following commands/keywords:

BAL= Primary account balance 
BAL ALL = All account balances 
BAL CHK = Checking account balances 
BAL SAV = Savings account balances 
LAST = Last 5 transactions 
TRANS = Transfer Funds to primary account 
STOP = Deactivate service 
HELP = Help on keywords

It might take several minutes to receive your code. You can click RESEND IT. If you still do not receive anything, contact your mobile service provider to make sure there is no block on your account.

This code is a security feature designed for your protection. 

Your primary account is the default account that we will use when you text BAL to 454545. You should select the one you will likely want to check most often. You can get all account balances by texting BAL ALL to 454545. You can change the primary account at any time.

There is no charge for using the Mobile Deposit. Your account will be subject to other Credit Union fees for returned items. 

Any Navigant Credit Union personal or business member in good standing is eligible for Mobile Deposit.

Visit our Mobile Banking page to learn more.

Checks can be scanned 24 hours per day, 7 days per week.

If you notice that a check was deposited twice, contact the Credit Union at 401-233-4700. 

When the Credit Union becomes aware of a duplicate deposit, the duplicate will be debited from your account. Excessive duplicate deposits may result in the removal of the Mobile Deposit service.

You can transfer money between your Navigant Credit Union checking accounts and the accounts you have at other financial institutions easily with Online Banking.

Follow the steps below to get started: 

  1. Login to Online Banking.
  2. Select Move Money tab
  3. Select External Transfers
  4. Select Transfer Between My Accounts

 

Upon first access, you’ll be guided through a quick registration process. Once registered, all Navigant deposit accounts will be added to this service automatically.

  1. Click Add a New Account
  2. Choose the type of deposit account and click Add
  3. Enter a nickname for the account, the routing number, and the account number
  4. For your security, we require you to verify that you own the account with your login credentials or with a trial deposit
  5. That’s it! You are ready to transfer funds

No, your telephone banking PIN will not be changed.

To get started, you will need your temporary User ID and password you received when you opened your account.

If you do not know your temporary login info, contact our Contact Center at 401-233-4700, and we’ll be able to assist you.

Yes, we encourage you to update your password regularly to keep your account secure.

Follow the steps below to get started: 

  1. Login to Online Banking
  2. Click the User Options link 
  3. Select Change Password
  4. Follow the prompts to change your password

 

If you have forgotten your password, click the “Forgot Password?” link below the Login button on the Online Banking Login screen or at the top of our homepage and follow the prompts to reset your password.

Cookies are small text files on your system, used to keep track of settings or data for a particular site. Websites can use cookies to identify a returning user or to pass information between Web pages in a single visit.

Yes! You can access your bill payment account if you have downloaded our Mobile App. However, you cannot apply for bill payment using your mobile device. Please login to Online Banking from a computer to apply for bill payment. Once you have been approved, you will have full mobile access.

Yes! After you set up the first phone number, you can select the Activate Another Phone link on the Mobile Banking & Alerts page in Online Banking and then complete the simple two-step process.

You can deposit up to $10,000.00 per day with Mobile Deposit. 

Mobile Deposit is a service available through the Mobile App that allows members to take a picture of their checks with a smartphone and deposit them straight into their Navigant account.

This can occur for several reasons:

  • There may have been an issue with the deposit
    • Look for an email with additional information sent by the remote deposit administrator
    • Remember to also check your spam or junk folder
    • Deposits post several times per day so it’s possible that the deposit simply hasn’t posted yet
  • Deposits made after 4:00 PM will post on the following business day
  • It is possible that the funds are being held
  • Mobile Deposits are subject to the hold schedule listed in the Mobile Deposit User Agreement

Online Banking login issues are often the result of an incorrect password or locked account. First, try clicking Forgot Password? from the Online Banking login page to reset your password. 

If you still cannot log in or the password reset option is not available, your account may be locked. Please contact us to have your account unlocked.

Encryption takes plain text and creates an algorithmic scheme that encodes it into a non-readable form to provide privacy.

If you would like to change your Online Banking User ID, follow the steps below: 

  1. Login to Online Banking
  2. Click on the User Options link at the top of the screen
  3. Select Change User ID
  4. Follow the prompts to change your User ID

Yes, to set up account balance text alerts:

  1. Log in to Online Banking
  2. Go to the Mobile Banking & Alerts page
  3. Select the low balance alert checkbox
  4. Select a dollar amount from the drop-down field

In Mobile Banking:

  • Navigate to the Transaction History page
  • Click the payee name (e.g. Target)

 

You will see the transaction details, including:

  • Date
  • Amount
  • Type of Transaction
  • Reference #
  • Store name
  • ID

Follow the steps below:

  • Log in to Online Banking
  • Find Account Access
  • Click on the Mobile Banking and Alerts tab

After a successful Mobile Deposit, we recommend you keep the check for 60 days. You can then destroy the check. 

With Mobile Deposit, you can deposit funds into either a savings account or a checking account. 

The following checks are ineligible for Mobile Deposit:

  • Third-Party Checks (checks made payable to other people)
  • Foreign Checks (international checks)
  • Post Dated Checks
  • Stale Dated Checks
  • Traveler’s Checks
  • Savings Bonds
  • Checks with multiple payees
  • Treasurer’s Checks (Cashier Checks)
  • Money Orders

 

If you need to deposit one of these checks, visit one of our local branches or ATMs. 
Why doesn’t my current account balance reflect my recent Mobile Deposit?

To export your account history to Quicken, follow the steps below: 

  1. Log in to Online Banking.
  2. Select “Account Access” and click export to QFX format.

 

You may need to check the Quicken help function for importing instructions for this type of file.

You will be asked to answer the security questions you created during enrollment as an extra security measure. 

Yes, you can transfer funds from your line of credit into your checking account. Follow the steps below to get started:

  1. Log in to Online Banking
  2. Click on the Transfer icon in the My Accounts section of your Online Banking home page
  3. Select the transfer accounts, date, and type in the amount you would like to transfer
  4. Click Make Transfer
  5. Verify that your transfer details are correct and click Confirm

No. You and your financial institution are the only ones who can view your account balances.

For information on how to safeguard your account, please visit our Security Center page.

Telephone Banking is our 24-hour, 7-day-a-week, 365-day telephone banking system.

In the endorsement section on the back of your check, sign your name and print “For NCU Mobile Deposit Only”.

To set up Google Pay for Navigant CU:

  1. Make sure your Google device is running the latest operating system.
  2. Add your Navigant Credit Union debit card to Google Pay.
  3. Use it within apps or hold your device near a contactless terminal that accepts Google Pay.

To set up Apple Pay for Navigant CU:

  1. Make sure your Apple device is running at least iOS 8. (Compatible devices: iPhone 6 & 6 Plus, iPhone SE and later, iPad Air 2, iPad Pro, iPad Mini 3, and later).
  2. Add your Navigant Credit Union debit card to Apple Pay.
  3. Use it within apps or hold your device near a contactless terminal with your finger using Touch ID.

Mastercard Click to Pay is a faster, more secure way to pay online.  

With Click to Pay, your Mastercard information is stored and encrypted to keep your details secure.

Learn more on our Mobile Wallet page!

The Smartwatch App is a mobile application that allows you to manage your money from your Apple Watch or Android Wear on your wrist. With the Smartwatch App, you can:

  • See account balances and transactions on your watch, without the need to log in
  • Receive balance alerts on your wrist
  • Customize your account view options
  • Find nearby branches and ATMs (Apple Watch only)
  1. Download and install the Samsung Pay mobile app.
  2. Set up fingerprint and/or the Samsung Pay PIN code.
  3. Add your Navigant Credit Union debit card to Samsung Pay.

Mobile Wallet is a digital wallet by Navigant CU that you can use with your smartphone.

Now all you need is your Smartphone and your Navigant Credit Union Debit Card to make checkouts quick and easy. Just set up Android Pay, Apple Pay, Samsung Pay, or Mastercard Click to Pay and turn your phone into your own digital wallet.  

Mobile Deposit allows you to take a picture of a check and deposit it into your account from the Mobile App.

To get started:

  1. Log in to the Mobile App
  2. Tap Deposit Checks at the bottom of the screen
  3. Follow the prompts to enroll

Yes. 1098 and 1099-INT forms are available through Digital Statements in Online Banking. 

If you are having trouble adding your card to your digital (mobile) wallet, please follow these troubleshooting tips below:

  1. Re-Start your Wallet App
  2. Make sure your card is not loaded on another device
  3. If you manually type in your card, make sure all information has been keyed in accurately
  4. Verify your card is active and has not been reported lost/stolen or cancelled
  5. Ensure you are connected to the internet and have internet connection to that source
  6. If using Apple Wallet, try signing out, than back in and try to re-load your card
  7. VPN’s can cause connectivity issue – check to see if you are connected to your VPN, then disconnect
  8. Older devices may no longer be supported
  9. Update to the most recent operating system
  10. Confirm that you have Face ID, Touch ID or Optic ID
  11. Make sure you are in a supported country or region
  12. Check for service outages or connectivity issues
  13. In some instances, you may need to remove all payment options and re-install the wallet app

 

If you are still having trouble, please contact our Contact Center at 401-233-4700.

Yes, for security, after multiple bad PIN attempts, your account will become locked. 

If you are locked out, please contact our Contact Center at 401-233-4700.

Digital Statements

How do I enroll in Digital Statements?
Follow these steps to enroll in Digital Statements: Login to Online Banking Select Digital Statements Review and agree to the Terms and Conditions Select Statements and you will be able to see up to three years of your past statements
If you are enrolled in Digital Statements and have automatic loan payments set up, you will be enrolled in electronic loan statements automatically. If not, you will continue to receive paper loan statements each month.
You may change your e-mail address for Digital Statements by logging into Online Banking, selecting user options and click change e-mail address.
Yes! You can print your statements with Digital Statements through Online Banking.

Money Management

Will I need to re-authenticate my credentials for my non-Navigant Credit Union accounts?
Yes. For security purposes, you will be prompted to re-authenticate login credentials for your non-Navigant Credit Union accounts.

It’s easy to start using Money Management:

  1. Log in to Online Banking
  2. Click Manage Money
  3. Accept the End User License Agreement for the new program

 

You’re all set to start enjoying all the new features Money Management has to offer!

All outside accounts you currently have in FinanceWorks will appear in Money Management.
You will have access to up to 18 months’ worth of transaction history in Money Management.
You will need to set up your budgets manually, but you now have the option to “auto-generate” your budget. Money Management will create a starting budget based on your average spending in each category based on the previous 90 days, or you can start from scratch.
You will need to set up your goals. You can now setup not only Debt Payoff goals but Savings and Retirement goals as well.
Set up alerts by clicking the Settings icon and entering your email address and/or your mobile phone number.
Account details will refresh both nightly and in real-time when you log in to Money Management.
The new Money Management auto-categorization process will re-categorize your transactions with more accuracy.

Alerts will not transfer to Money Management, but now you will be able to easily setup both email and SMS text alerts.

Disable alerts by clicking the Settings icon and selecting Disable Alerts.

Alerts are not real time, but do occur at least daily. Alerts are triggered in two ways: either by login to online banking or after account information is updated.

Money Management is available through our mobile banking app.

Positive Pay

What is Positive Pay?
Positive pay is a cash-management service employed to deter check and ACH fraud.  Banks and Credit Unions use positive pay to match the checks and ACH transactions with those it presents for payment. Any check or ACH transaction considered to be potentially fraudulent is sent back to the issuer for examination.
To get started, simply stop by any branch location or complete a contact form to learn more or fill out a Positive Pay Agreement.
The service matches the account number, check number, issue date, and dollar amount of each check presented for payment against a list of issued checks authorized by your company. It’s the added peace-of-mind way to secure your assets, increase financial control, and streamline your business operations.
The service matches the ACH transaction presented for payment against a list of authorized ACH debtors\creditors provided by your company. Adding control and visibility  to secure your assets, increase financial control, and streamline your business operations.

SavvyMoney

What is SavvyMoney Credit Score?

SavvyMoney is a comprehensive platform that provides users with free and ongoing access to their latest credit scores, reports, and real-time credit monitoring all through online and mobile banking.

To learn more, visit: SavvyMoney.

No, checking their credit score on Credit Score is a “soft inquiry” which does not affect their credit score.

No. It’s entirely free, and no payment information is required to register.

If the user regularly accesses digital banking their credit score will be updated every 7 days and displayed within their digital banking. They can also refresh their credit score and full report every 24 hours by clicking “Refresh Score” and navigating to the detailed Credit Score Dashboard within digital banking.

SavvyMoney pulls users’ credit profiles from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus, to make score information more uniform between the different bureaus and provide consumers with a better picture of their credit health. Key factors that drive the score are the same.

There are three major credit reporting bureaus—Equifax, Experian, and Transunion and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus and scoring models. Over 200 factors of a credit report may be considered when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical although there are similarities.

Collections

How can I prevent my checking account from being closed?

As long as the account is brought to a positive balance within 60 days, your checking account will not be closed.

If the charge-off is with Navigant, then you must pay off the charge-off before you open a checking account. Contact the Collection Department at 401-233-4700 to discuss the options available. 

Call us at (401) 233-4700 to discuss your auto loan refinancing options with our Collections Department. 

Paying loans late will adversely affect your credit score.

While Navigant CU does not participate in any Federal Modification program, there may be other modification options available.

Please contact the Collection Department at 401-233-4700 to discuss available options.

Consumer Loans

Can anyone get a loan from Navigant Credit Union?

You must qualify for membership with Navigant Credit Union and be credit worthy to obtain a loan.

Home Equity Lines of Credit (HELOCs) have variable rates that are subject to change based on the Prime Rate as published in the Wall Street Journal. 

Home Equity Loans typically have a fixed interest rate that does not change for the loan term.

Visit our Home Equity Loans page to compare options and learn more.

On an owner-occupied, non-rental property, there are no closing costs.

Visit our Rates page to view our current rates and apply now for a Home Equity Line of Credit.

Yes, we offer HEAT Loans.

To learn how to apply, call our Contact Center at (401) 233-4700 or stop by a local branch.

Navigant Credit Union offers weekly, bi-weekly, and monthly repayment options for loans.

Navigant Credit Union is proud to partner with Sallie Mae and the Rhode Island Student Loan Authority to provide affordable education financing options. 

Visit our Student Loans page to learn more.

Yes, we offer credit life and disability insurance on all closed-end consumer loans. 

Our Loan Assist for Consumer Loans is a protection plan for your consumer loan. To learn more, visit our Loan Assist for Consumer Loans page or contact us with any questions you may have.

If within (12) twelve months from the date of execution of all closing documents, fully repay the entire principal balance and close, then we reserve the right to charge a termination fee of two percent (2.00%) of the balance due at the date of the pay-off.

People need membership, proof of income and any other pertinent information relative to the specific loan product request.

A Home Equity loan has a fixed rate and fixed term for repayment and is secured by real estate. A Home Equity Line of Credit is a variable rate line of credit that is secured by real estate.

Please contact your insurance company to initiate the process. Navigant Credit Union will work the insurance company on the payment of your auto loan. You are still responsible for making payments during the time it takes to resolve the claim, and until the account is paid in full. Any overpayments will be refunded to you.

When payments that exceed the scheduled payment amount are received from an external channel, the system pre-pays the loan to pay the next payment due.

Please visit a local branch or contact our Contact Center at 401-233-4700 for a copy of your vehicle title.

If you have recently moved or updated your name and need to update your certificate of title, please visit your Motor Vehicle Office to let them know you moved from another state or legally updated your name. Many states require the existing title be surrendered to reissue a new title. If this is a requirement of your new state of residence, Navigant Credit Union needs your local Motor Vehicle Office to send a request for the title.  Once the request is received from the Motor Vehicle Office, Navigant Credit Union will arrange for the title to be mailed. The title will be mailed directly to the Motor Vehicle Office making the request. Please allow a minimum of 4-6 weeks for the Motor Vehicle Office to receive the title.

Your paper statement is mailed each month, 15 days before your due date.

Some states require lenders to participate in electronic title programs, called ELT (Electronic Lien and Title). If you reside in a state that is electronic, the title is held at the Motor Vehicle Office as an electronic record and will only be printed upon request of the registered owner at time of pay off.

Navigant Credit Union releases its lien on motor vehicles that have been paid in full. The release of lien may be a separate document, or it could be the original vehicle title, with the lien signed off on the front. If you receive the title from Navigant Credit Union, it is recommended that you visit your local Motor Vehicle Office and apply for a clear title. A lien remains attached to the VIN in the state’s system of record until the registered owner requests that it be removed and show proof that the lien has been paid. The fee to apply for a lien-free title varies by state.

Fixed Home Equities, Residential Mortgages, and Indirect Auto Loans have a 15-day grace period. Consumer auto and unsecured loans have a 10-day grace period. There is no grace period on our LOC products.

Please reach out to our Contact Center for due date maintenance on your consumer loan.

The best way to view information regarding your loan, including loan balance is with online banking.

You can obtain a payoff quote by visiting a local branch, or by calling our Contact Center at 401-233-4700.

Commercial Loans

Does Navigant Credit Union finance start-up businesses?

Yes, we do; however, the applicant would need to provide a business plan and an accountant-prepared financial projection for at least three years. These loans would be offered through the SBA lending program on our Business Lending page if eligible. 

Navigant Credit Union requires that the borrower has at least a 25% equity injection, three years of financial statements, and a personal financial statement. Other requirements will apply as needed.

Yes, in all cases, this is a requirement.

We offer a number of different types of business loans, including our Term Loans, Business Line of Credit, and Real Estate Financing. Our Credit Union also offers loans for machinery & equipment financing, and short-term loans for other business purposes.

Yes. Typically, we will loan no more than 70-75% of the appraised value of the property for purchases. We limit the loan to value at 60-65% for “cash out” refinances.

You can apply for a number of different types of business loans including our Quest Small Business Suite, Term Loans, Business Line of Credit, and Real Estate Financing.

Yes, we offer commercial loans to our members and prospective members. 

No. However, we partner with such programs as SCORE and other technical assistance providers throughout Rhode Island.

Once we receive the entire financing package, we are typically able to give the applicant an answer within 30 days. It may take longer for SBA loans. Contact Commercial Lending for details at 401-233-4700.

Yes we offer SBA loans through the 7(a) and 504 programs. You can view more information about our SBA loans on our business lending page.

To submit a business loan request, you will need the following information:

  • A completed Business Loan Application
  • Personal Financial Statement(s) for each signor
  • Business tax returns or financial statements for the past three years
  • Personal tax returns from the past three years for each owner
  • A Rent Roll if the loan is for an investment property
  • A business mission statement or a brief overview of the company’s principles

 

For more information, visit our Business Lending page or contact us for assistance.

Credit Cards

What number do I call after business hours to report lost or stolen cards?

Call the Contact Center immediately at (401) 233-4700 and follow the prompts to report your card lost or stolen after business hours. You may also use our Card Controls service through your online or mobile banking to report your card as lost or stolen.

A Debit Card allows you to make purchases with existing funds from your checking account. When you use your debit card, funds are automatically deducted from your account to cover the purchase.

A Credit Card allows you to make purchases up to a certain limit using a line of credit that is billed monthly. Unpaid balances will accrue interest until paid in full.

If you have an ELAN Visa® Credit Card, you can submit a payment by:

1. Calling 1-800-558-3424
2. Visit: https://www.myaccountaccess.com or your existing Elan Credit Card mobile app
3. Utilize Bill Payment through your Navigant Credit Union Online Banking

Your credit card rewards points balance is accessible in Digital and mobile banking under Cards, you’ll see Rewards. Click on Rewards to see points details and redemption options, this is where you can redeem your points.

Yes. You can set travel notifications in Digital or mobile banking under Cards to prevent interruptions while you’re away.

You can add your credit card to Apple Pay, Google Pay, or Samsung Pay directly from the mobile app or from your digital wallet.

If you close your credit card account, you’ll remain responsible for any outstanding balance. Rewards that haven’t been redeemed will be forfeited.

If you’re experiencing financial hardship, please contact us at 401.233.4700. We can review options that may help you stay current on your credit card account.

You can start a credit card dispute directly in Digital or mobile banking under Cards or by calling (401) 233-4700. Our fraud-prevention team is available 24/7.

You can set up recurring or one-time credit card payments through Digital or mobile banking under Cards, Payments & Transfers.

Credit cards expire after 48 months. If a card remains inactive for 12 months, it will not automatically renew. You’ll receive a notification before expiration or inactivity closure.

Yes—eligible members can request a credit limit increase by contacting us to see if you qualify. Credit Cards must be open for at least 6 months before an increase may be requested.

Credit card rewards points remain active as long as your account is open and in good standing. Points may expire if your account is closed or becomes delinquent.

Cash back rewards points do not expire for 5 years from the date of purchase, as long as your account remains open and in good standing.

Earn credit card rewards points on everyday purchases and redeem them for statement credit, travel, or gift cards. Points earned in a statement cycle will become available the following statement cycle. Redemption begins at $25.

If your credit card is lost, damaged, or stolen, you can request a replacement at no cost by calling us at (401) 233-4700 or through Digital or mobile banking under Cards.

Need it sooner? Expedited shipping via FedEx is available for a $30 rush delivery fee.

You can view up to three years of statements through Digital or mobile banking under Cards.

Follow the activation instructions provided with your new credit card. Once activated, your card is ready to use anywhere Mastercard is accepted.

The quickest way to activate your card is through Digital or mobile banking, by going to Cards, finding your credit card, and clicking Activate.

Yes. Log in to Digital or mobile banking, go to Cards, select Statements, and choose paperless delivery. You must wait until after you have received your first paper statement to enroll.

You can apply for a Navigant credit card online, by phone, or at any branch. Membership is required. 

Not a member yet? No problem—establishing membership is quick. Visit the Open an Account page of our website, stop by a branch, or call 401.233.4700.

We offer a full suite of consumer and business Mastercard® products, including Platinum, Cash Back, Cash Back Elite, Bryant University Cash Back, Platinum Secured, Business Cash Back, Business Platinum, and a Corporate Mastercard.

Navigant uses a soft credit inquiry to review applications, which generally does not affect your credit score. Opening a new card may impact your score.

Most credit card applicants receive an instant decision. In some cases, additional verification may be required, which can delay the final decision. We will keep you updated on the status of your application via email.

You can manage your card in Digital or mobile banking under Cards: view transactions, make payments, set alerts and controls, and manage travel notifications all in one place.

If your credit card is damaged, you can request a replacement at no cost by calling us at (401) 233-4700 or through Digital and mobile banking under Cards.

Need it sooner? Expedited shipping via FedEx is available for a $30 rush delivery fee.

Navigant Credit Cards do not allow for joint applicants. Additional parties may be added to the credit card account as an authorized user, who will be issued a credit card in their name. The primary owner remains fully responsible for all transactions on the credit card account.

We will communicate updates on your credit card application via email. You can also call us at 401.233.4700.

Navigant Credit Cards combine competitive rates, rewards you can actually use, and the convenience of managing all your accounts in one secure app — backed by local service.

Credit card rates vary based on creditworthiness and card type. Your exact rate and terms will be provided to you upon successfully accepting a credit card offer.

Membership with Navigant Credit Union is required for credit card issuance. Membership is available to individuals and businesses who meet our eligibility criteria.

Authorized users can be added to your credit card during or after account opening. The primary account holder is responsible for all account activity and payments.

Each Navigant credit card offers different features and benefits. You can compare options online or speak with a Navigant representative to find the card that best meets your needs. Visit a branch today or call us at 401.233.4700. 

Members who are establishing or rebuilding credit may be eligible for our Platinum Secured Mastercard, which is backed by funds pledged in a Navigant checking or savings account. This pledge may be released once credit has been successfully established. We begin our review process of graduating secured credit cards to unsecured credit cards once the account has been established for at least 9 months. 

Navigant partners with TruStage to offer optional Cardholder Debt Protection at an additional cost for peace of mind. You can enroll at account opening or add it later by contacting us at 401.233.4700. 

Credit Cards issued by Elan will continue to be serviced by Elan by contacting the number on the back of your card. Navigant will no longer be able to assist in servicing Credit Cards issued by Elan beginning in 2026.

If your Navigant credit card application is declined, you’ll receive an email explaining the reason and details on our decision. We can also help you explore other card options or ways to improve your eligibility in the future.

Credit card limits are based on creditworthiness and other factors. Limits generally range from as low as $500 to higher limits for eligible members.

Your credit card statement cycle closes on the 28th of each month, and payment due dates are the 25th of each month.

Your card is mailed shortly after approval, along with access to your rate and terms. For security, all cards are mailed to the primary account holder’s address. We recommend allowing 7-10 days for delivery.

Mortgages

How do I provide a copy of my homeowners insurance policy?

To provide a copy of your home insurance policy, please upload the documents to www.insuranceservicecenter.com or fax them to 401-233-3144.

Yes, we offer a one-time closing construction loan with a streamlined process—one application, one approval, and one closing—we make it easy and hassle-free.

  • Finance up to 95% of the appraised value
  • Pay only the interest on your loan for up to 12 months during the construction period
  • Enjoy the convenience of your construction loan automatically converting to permanent financing when your home is complete

Visit our Mortgage Center portal to view our current Mortgage rates.

A balloon mortgage is a home loan that does not fully amortize over the life of the loan. But at the end of the term, a lump-sum payment, equal to the remaining balance of what you owe, is due. The benefit is a lower interest rate than with longer-term fixed-rate mortgages.

Closing costs, to put it simply, are the fees buyers (and sellers) need to pay to finalize the transaction. These costs can be broken down into two categories: Costs associated with buying the house, and costs associated with owning the house.

Costs associated with buying the house:

Lender fees: Financial institutions will typically charge an origination fee (on average, about 1% of the total loan) and a one-time application fee (usually around $300) during the loan approval process.
Prepaid interest: Homebuyers should expect to pay the interest on the first month’s mortgage payment at closing. (A tip: Since prepaid interest is usually calculated based on how many days are left in the month in which the closing takes place, you could save some money by scheduling the closing date at the end of the month.)
Title fees: Homebuyers will need to pay for a title search and title insurance.
Third-party fees: Common third-party vendors include appraisers, inspectors, mortgage brokers, couriers, real estate agents, and attorneys.

Costs associated with owning the house:

Property taxes & homeowners’ insurance: Buyers are typically asked to pay at least two months’ worth of each at closing.

An escrow account allows you to pay your homeowners insurance, flood insurance, and property taxes monthly as part of your mortgage payment, instead of in a large lump sum. This helps organize monthly finances and avoids delinquent payments, late fees, or lapses in coverage. An escrow account is required for loans with an LTV (Loan to Value) greater than 80%.

To inquire about your current escrow account or if you would like to establish an escrow account, please call our Contact Center at 401-233-4700 to submit the request.

An insurance policy that protects the lender in case the loan goes into default. Required on loans with a Loan-to-Value Ratio over 80%.

A mortgage pre-qualification is an estimate of how much you can borrow based on the financial information you have provided. A pre-qualification solely relies on self-reported information instead of checking your credit score or reviewing financial statements. This means that a pre-qualification is only a ballpark estimate of how much you can borrow.

Yes, all properties secured by a mortgage require proof of homeowners’ insurance.

If you elect to escrow your property taxes, you will make monthly payments and the credit union will pay your taxes on your behalf.

If you do not escrow the property taxes, then you are responsible for making the property tax payment when it comes due.

Please Note: We do not escrow for Water, Sewer, Fire taxes, or Personal Condominium Policies.

Mortgage points, also known as discount points, allows you to prepay interest on your mortgage in exchange for a reduced interest rate. The more points you pay, the lower the interest rate goes.

A bi-weekly mortgage is a mortgage loan where a payment is due every two weeks instead of monthly.

A Fixed-Rate Mortgage is a home loan with a set interest rate over the life of the loan. Although your total monthly payment can change if the property tax or insurance rates change, the principal and interest payments will remain the same.

This is an insurance policy that protects the lender and/or homeowner from financial loss and related legal expenses in the event there is a defect in the title to your property.

Getting pre-approved before buying a home provides you with the price range that works best with your budget. Pre-approval also makes you a more attractive applicant, as the seller knows your financing has already been approved.

The Lender will have to approve any requests to cancel an escrow account, and you may have to furnish some documentation for this to be considered. An LTV (Loan to Value) less than 80% and a written letter of request are required to initiate cancellation.

Yes, Navigant Credit Union offers a variety of adjustable-rate mortgages.

If you’re interested in refinancing a mortgage, complete a contact card and a loan expert will contact you to discuss your options.

Prepaid interest is the amount of interest due on a loan from the closing date to the date the first payment is due. This amount is paid at closing.

Helpful Tip: Since prepaid interest is usually calculated based on how many days are left in the month in which the closing takes place, you could save some money by scheduling the closing date at the end of the month.

If your mortgage loan does not have an escrow account, then you’ll be paying your property taxes and homeowners’ insurance directly. You can decide if you would like us to escrow for insurance and/or taxes. However, an escrow is required if the loan-to-value ratio is greater than 80%.

Our residential mortgage rates also apply to condos. Visit our Mortgage Center to see our current mortgage rates.

Mortgage closing costs can vary depending on the applicant, the property, and other factors. After submitting an official mortgage application, you will receive a Loan Estimate for the mortgage that includes an itemized list of estimated closing costs. The Loan Estimate will show which fees are non-negotiable (Settlement fees, taxes, etc.) and which fees you can shop around for like the price of a home inspection.

Before beginning the closing process, you will also receive a Closing Disclosure listing the final rates, fees, and closing costs of the mortgage.

A Blanket Mortgage is a type of mortgage loan whereby a lien is placed on more than one piece of property or multiple properties. They are often used by real estate investors or commercial property owners to reduce costs and save time rather than mortgaging each property separately.

A 1098 form is a tax form that reports the amount of interest paid on your mortgage in a given tax year. This form will be sent to you by January 31st.

If you don’t receive your form by January 31st, visit a local branch to request one.

Private Mortgage Insurance (PMI) is insurance that protects your lender. A lender may require PMI if you put less than 20% down on a conventional loan. As the buyer of this coverage, you’re paying the premiums so that your lender is protected in the event of foreclosure.

Yes! Our First-Time Homebuyer Program gives you the guidance you need so you can feel empowered and confident throughout the whole process.

It is possible to roll your closing costs into your mortgage if the loan requested is a refinance and there is sufficient equity to meet the Loan-to-Value (LTV) ratio requirements. However, this option is not available on purchase transactions.

The loss payee clause should read:

Navigant Credit Union
ISAOA /ATIMA
PO Box 390382
Minneapolis, MN 55439

You have the right to request that PMI be canceled on or after either of these dates:

  • The date the principal balance of your loan is first scheduled to reach 80% of the original value of the property.
  • The date the principal balance reaches 80% of the original value of the property. PMI will only be canceled on these dates.

 

We will require that:

  • You submit a written request for cancellation.
  • You have a good payment history, and
  • We receive, if requested and at your expense, evidence that the value of the property has not declined below its original value and certification that there are no subordinate liens on the property. A “good payment history” means no payments 60 or more days past due within two years and no payments 30 or more days past due within one year of the cancellation date. “Original value” means the lesser of the contract sales price of the property or the appraised value of the property at the time the loan was closed.

Once the payment has been made, please reach out to our Contact Center to initiate the re-amortization request. The Loan Servicing Department will prepare the documentation for all borrowers to sign and maintain the loan accordingly.

Once the payoff has been processed, release documents will be sent within 2-3 weeks.

Unfortunately, mortgage due dates are determined by the signed mortgage note. They cannot be changed.

Interest you pay on a loan that is secured by your primary residence may be tax deductible. Consult with a tax advisor to find out whether the mortgage interest will be tax deductible in your situation.

The amount we collect each month may change based on increases and decreases to your real estate taxes and/or insurance premiums. We’ll review your escrow account at least once a year and notify you of any changes to your required escrow payment in an Escrow Account Disclosure Statement.

The Insurance Service Center is working with Navigant Credit Union to keep track of and manage your flood/hazard insurance on your property to make sure that the policy is up to date, Navigant Credit Union is named as the loss payee and the property has sufficient coverage.

You have received a notice because we need to confirm your insurance policy. Your loan agreement requires you to insure your property for the entire duration of the loan.

Pay Your Loan

Why do you charge a convenience fee for phone payments?

Navigant charges a convenience fee for phone payments to cover the costs of processing payments from other financial institutions.

The payment cut-off time for same-day processing is 8:00 PM EST. 

Yes! Follow the steps below to set up recurring loan payments through Online Banking or the Mobile App:

  1. Login to Online Banking or the Mobile App
  2. Click or tap the Transfer icon in the My Accounts section
  3. Select your loan account as the To account
  4. Select your From account
  5. Select your payment date and frequency
  6. Enter your transfer amount
  7. Click or tap Make Transfer
  8. Verify that your transfer details are correct and click or tap Confirm

You can pay off your loan in the following ways:

  • Visit a local branch
  • Call (401) 233-4700 to pay over the phone
  • Mail a check with your loan number listed to:
    1005 Douglas Pike
    Smithfield, RI 02917

Members can schedule payments up to 1 year in advance from Navigant accounts, or up to 14 business days from accounts at another financial institution. 

Funds take approximately 24-72 hours to be debited at your financial institution.

If you receive the message “No results found” when searching for your bank, please click Exit in the top right corner. Then click Yes you are sure you want to exit, and there will be an option stating “Manually Link Bank Account” in the bottom left-hand corner. This will enable you to enter your banking information. 

You can make your loan payment in the following ways:

  • Through Online or Mobile Banking
  • Over the phone
  • In-person
  • Online through Pay Your Loan
  • By mail

 

See below for instructions:

Transfer funds through Online or Mobile Banking

  1. Login to Online Banking or the Mobile App
  2. Select Transfer under My Accounts
  3. If you’re using the Mobile App, tap the Transfer button at the bottom of the screen
  4. Select your Loan Account as the To account
  5. Select your From account
  6. Select a payment date and enter your payment as the transfer amount
  7. Check the box if you would like to set up recurring transfers
  8. Select the Make Transfer button
  9. Confirm the transfer details and select the Confirm button to complete your transfer payment

 

Pay over the phone:

Review our Telephone Banking Call Flow for instructions and call (401) 233-3100 to use our Telephone Banking system¹.

In-person

Visit a local or shared branch.

Online through Pay Your Loan

Visit our Pay Your Loan page to make a one-time or recurring payment through a Navigant or external account.

By Mail

Send a check or money order (include your Loan Account number in the memo line) to:

PO Box 986547 Boston, MA 02298-65472

There is no limit for a loan payment made through a Navigant account. There is a limit of $3,500 per payment if made from another financial institution online. You can make up to 6 payments per calendar month, so you can make payments greater than $3,500 by making multiple payments.

There is a new requirement associated with NACHA’s Fraud Detection Standards for Web Debits that seeks to validate that an account is open and accepts ACH withdrawals.  For registered users this only applies to the first time using a payment method online.

Account Services

Can I get foreign currency through the credit union?

We do not offer foreign currency at this time.

Yes! We offer free notary services to members and non-members at all of our branches. 

Yes. We offer private rooms where members can access their safe deposit boxes.

You can view cleared checks in your Online Banking transaction history for up to 365 days after the clearing date. You can also see cleared checks on Digital Statements for 15 months after the clearing date.

The minimum deposit required to open a Navigant savings account is $10.

Visit our Savings Accounts page to learn more. 

Dividends from Vacation Club accounts are generally deposited by April 15th each year.

If this is your first time ordering checks, call us at (401) 233-4700 to place your initial order. All subsequent check orders can be placed directly through our partner, Harland Clarke.

Follow these steps to place your order:

  1. Visit the Harland Clarke website
  2. Enter our routing number: 211589828
  3. Enter your account number and zip code
  4. Select Personal or Business
  5. Hit Continue
  6. Select a style for your checks and follow the prompts to complete your order

 

You can also login to Online Banking and select Products and Services to place your check order. 

The following Branch Offices have Safety Deposit Boxes:

  • Central Falls
  • Chapel (Diamond Hill)
  • Chepachet
  • Cranston
  • Greenville
  • Lincoln
  • Rumford
  • Manville
  • North Kingstown
  • North Providence
  • Scituate
  • Slatersville
  • Smithfield
  • Wakefield
  • Warwick Ave
  • Warwick Plaza
  • Westerly
  • Woonsocket

 

To open a safe deposit box, contact us or stop by one of the locations above.

At this time we do not offer traveler’s checks or travel cards in any of our branches.

Please see our Consumer Fee Schedule or Business Fee Schedule for a complete list of all service charges and fees. 

All Journey Rewards Checking qualification cycles begin on the first day of the month and end on the last day of the month.

You may utilize our ‘Pay Your Loan’ option if you do not have an online banking log-in with Navigant Credit Union.

If your Navigant Credit Union account is closed, you can still visit www.TurboTax.com to log into your TurboTax account and access prior tax return data. 

Your account numbers are all listed in Online Banking or the Mobile App.

Use the following steps to locate them:

  1. Login to Online Banking or the Mobile App
  2. Select the desired account
  3. Select Account History
  4. Select Account Details
  5. Your full account number will be listed here 

 

Your account and routing number will also be listed at the bottom of one of your checks, or on your account statements.

 

An ACH payment is an electronic transfer of funds between banks and credit unions through the Automated Clearing House (ACH) network. ACH payments offer a faster, easier alternative to traditional paper check or card payments. 

Some common ACH transactions include:

  • Online payments using your bank account information
  • Direct deposit from an employer
  • Funds sent through a money transfer app like Venmo or PayPal
  • IRS payments
  • Government benefit disbursements (Social Security, Unemployment, etc.) 

To update your contact information online, login to Online Banking, select Secure Forms, and choose what you would like to update.

You can also stop by a branch location or mail a signed written request to:

Navigant Credit Union
1005 Douglas Pike
Smithfield, RI 02917

The telephone number for Telephone Banking is 401.233.3100.

All you need is your member number and PIN number to:

  • Transfer funds and make payments to eligible accounts
  • Retrieve your savings, checking, money market, IRA, or CD account balance
  • View your account transaction history
  • Check balance information on existing loansUse the menu in English or Spanish

You can check balances and recent activity through Telephone Banking. You can also transfer funds between eligible deposit and loan accounts and hear our current rates.

If you don’t know your access information, call 401-233-4700.

Use the PIN (personal identification number) you selected at the branch when you opened the account.

If you do not remember your PIN, contact our Contact Center at 401-233-4700 or visit a branch.

Members can redeem I Savings Bonds and EE Savings Bonds at Navigant branches. However, you must be a member of Navigant Credit Union for at least one year prior to redeeming bonds.

Other bonds, like the H/HH Savings Bonds, must be redeemed through the U.S. Treasury. Visit the U.S. Treasury Savings Bond page to learn more.

If you have further questions about redeeming your Savings Bond at Navigant, contact us or stop by a local branch.

Funds from check deposits under $5,525 are generally available to use within two business days. If your deposit will be held longer, we will notify you as soon as your funds are available. 

Please contact us or stop by a local branch for assistance with larger deposits.

Your direct deposit will be available between 5:00 AM and 4:30 PM EST on the day it is scheduled to be deposited. 

To place your stop payment, you will need the following information:

  • The check number
  • The exact check amount
  • Who the check was made out to

 

You can follow these steps to place a stop payment through Online or Mobile Banking:

  1. Login to Online Banking or the Mobile App
  2. Under My Accounts, select Quick Peek next to the account the check was made from
  3. If you are using the Mobile App, tap More first
  4. Select Go to account history
  5. Under Other Services on the right, select Stop Payment and follow the prompts to complete your request

 

You can also stop by a local branch or call our Contact Center at (401) 233-4700 to place your stop payment request.

There is a Stop Payment fee per check. 

There is no fee to use the coin machine for Navigant members. For non-members, there is a 3% fee.

Yes, we provide a Medallion Signature Guarantee to members with proper ID, up to $500,000. Branch Managers can assist with providing a Medallion Signature Guarantee. Visit your local branch.

To pay your Navigant Credit Union loan using a checking account from another Financial Institution, visit our Pay Your Loan page and click the Make a Payment button under “From another financial institution”.

You can also complete our ACH Form and take it to a local branch or mail it to:

1005 Douglas Pike
Smithfield, RI 02917

Call our Contact Center at 401-233-4700 to request a copy of the Terms & Conditions.

Yes, we currently offer Kickstart Savings for children up to 13 years of age.

When a loan has been paid off, you should expect to receive your title within 10-15 business days. If you live in a state that participates in electronic titling, the title will be mailed directly from the applicable motor vehicle agency.

To expedite this process, please purchase a shipping label to be used for the delivery. This label can be given to a local branch or emailed.

As of May 2026, our stop payment fee is $30.00

To place a stop payment in Online or Mobile Banking, follow the steps below:

  1. Log in to Online Banking or the Mobile App
  2. Under My Accounts, select Quick Peek next to the account the check was made from
  3. If you are using the Mobile App, tap More first
  4. Select Go to account history
  5. Under Other Services on the right, select Stop Payment and follow the prompts to complete your request

 

You can also stop by a local branch or call our Contact Center at (401) 233-4700 to place your stop payment request.

Yes! Navigant Credit Union understands that life doesn’t always go as planned, so we offer several Overdraft Protection options to help you protect your purchases and avoid declined payments.

You can also apply for a Cash Reserve Line of Credit to avoid overdrafts or costly credit card balances.

Deposit rates can be found here. Select the Savings tab for a complete list of our current rates. 

An uncollected funds fee (UCF) can occur when there are pending credits to an account (like a personal check that hasn’t cleared yet), and a member tries to make a purchase that is larger than their available balance.

If the purchase amount is larger than their available funds the fee will be assessed, even if there are deposited funds on hold that would cover the purchase when they clear.

Debit Card / ATM

Do you participate in the SUM ATM network?

No, Navigant Credit Union does not participate in the SUM ATM Network at this time.

However, members can use their ATM/Debit Cards at local Rhode Island Credit Unions through the Rhode Island CU ATM Connection with no service fee. 

Almost anything you could do with a teller, including:

  • Video Chat
  • Deposit or Cash Checks
  • Transfer Funds
  • Withdraw Cash
  • Make Loan Payments

 

And more!

IBK Agents are available Monday-Friday from 8:00am-5:00pm

Branches with IBK’s:

  • Central Falls
  • Chepachet
  • Coventry Crossing
  • Cranston
  • Cumberland Hill
  • Cumberland – Chapel 4 Corners
  • East Greenwich
  • North Kingstown
  • North Providence
  • Riverside
  • Rumford
  • Slatersville
  • Smithfield
  • Providence
  • Wakefield
  • Warwick (inside Kent Hospital)
  • Warwick Ave
  • Westerly
  • Woonsocket

 

If you have any additional questions about IBKs, reach out to our Contact Center at 401-233-4700 and they’ll be happy to assist you or, view our informational video here: Navigant Credit Union Interactive Banking Kiosk (IBK)

You may update your PIN via Card Management on your online banking or mobile app or at a Navigant Credit Union ATM provided you know the current PIN number.

If you do not know your current PIN number, contact us or stop by one of our branch locations to change your PIN.

Navigant cannot place a stop payment on a Mastercard transaction. To reverse a Mastercard transaction, you will have to contact the merchant for a refund unless the card was used without your permission. 

For more information, contact the card services number listed on your card.

Call the Contact Center immediately at (401) 233-4700 or visit any local branch during normal business hours to report your card lost or stolen so we can replace your card and secure your account.

Yes, you can use your Mastercard debit card anywhere Mastercard is accepted. You will need to let us know where you are traveling and when so you will be able to use your debit card. You can set travel plans through Card Management on online or mobile banking, or give us a call at 401-233-4700.

You can activate your card and set your PIN using our Card Management service located in your online or mobile banking.

Additionally, you can call (866) 661-8548 and follow the below prompts:

  1. Enter in full card number
  2. Enter in cvc code
  3. Enter in expiration date
  4. Enter in last four of social security number
  5. Enter in date of birth
  6. Enter in ZIP Code
  7. Select option 2 to create a new 4-digit PIN
  8. Enter PIN and press #
  9. Re-enter PIN and press #

Call the Contact Center at (401) 233-4700 or visit any branch location during normal business hours to order your new debit card.

Yes, certain ATM transactions include a $2 foreign transaction fee. The ATM owner may also charge a fee.

With a large number of card suppliers issuing new EMV cards to customers, many scams regarding the conversion have surfaced. Scam artists may send you an email posing to be your credit card provider. In the email, they may claim that you need to update personal information via an email response or by following a link to send you a new EMV chip card. How can you protect yourself?

The first thing you should do is check the address of the email sender. If it appears to come from someone or some company wholly unrelated to your credit card issuer, it is a scam. Merely because the email appears genuine and is written in grammatically correct English with proper spelling does not mean that the email is legitimate. Emails from scammers posing as your credit card company often start with a generic salutation such as “Dear Cardholder” rather than being specifically addressed to you by name or with a reference to the last four digits of your credit card number.

If you have any doubts about the email you have received, call the 800 number found on the back of your card.
Most importantly, there is no reason that your legitimate credit card issuer would need to contact you by email to confirm personal information before providing you with a new EMV credit card.

A card hold usually happens when the merchant takes more than one day to process a transaction.

Typically, the purchase amount is taken out of your available balance immediately, but it can take 3-5 business days for the transaction(s) to post to your account. 

Yes, the Alerts and Control Preference screen allows you to have even more control over how you receive your alerts and for what types of transactions.

By default, alerts are enabled for All Transactions. If you do not want to receive Alerts for every transaction, you can change your preference to Preferred Transactions or Blocked Transactions Only.

  • If the user has selected All Transactions from the drop-down, the alert toggle will be grayed out
  • If the user has selected Preferred Transactions, the user will then be able to toggle specific subcategories on and off
  • If Blocked Transactions Only is selected, the Alert toggle will be on but grayed out, as blocked transactions will always trigger an alert

 

To help protect your account, we will always send an alert if you are blocking transactions and one is attempted. If you receive an alert on transactions that you did not authorize, please contact our Contact Center immediately at 401-233-4700.

Follow the steps below to register for Card Management:

  1. Log in to Online Banking or the mobile app
  2. Select Card Controls

 

For Online Banking, the Card Controls option is listed under Additional Services

Review and accept the terms and conditions to enroll

That’s it! You can now set your debit card Alerts and Declines preferences.

Yes, we offer Contactless Cards. Please visit your nearest branch location to order one, or you can wait until your current card expires, and you’re reissued a new one. 

Financial Planning

Does Navigant Credit Union offer Financial Planning?
Navigant Credit Union offers financial planning through NCU Investment Solutions. Visit www.ncuinvestments.com to learn more!
We offer Traditional, Roth, and Coverdell Education IRAs. Visit our IRA page to compare options and learn more.
All individuals turning 73 years old within the calendar year will receive a letter in January reminding them to visit a branch location to set up the required minimum distribution. To get started, call 401-233-4700 and speak to one of our experienced member service representatives.

Wire Transfers

What is a wire transfer?

A wire transfer is an electronic payment service for transferring funds by wire, for example, through SWIFT (Society for Worldwide Interbank Financial Telecommunication), the Federal Reserve Wire Network, or the Clearing House Interbank Payments System.

Only our Business members can initiate a wire transfer through Online Banking.

If you are a personal banking member, contact us or visit one of our local branches to initiate your wire transfer.

Before initiating a wire from your Navigant Credit Union, you should ask yourself a few questions:

  • Do you know whom you are sending payment to? Is this an individual or a business?
  • How have you been communicating with this person? (Email, text, in person)
  • Has this request for payment been made under duress? (Threatened, bail money, ransom)
  • What are you paying for? What goods are you receiving?

If you are transferring funds to an international account, your account will be debited the same day and Navigant Credit Union will send the payment out as soon as possible. The beneficiary’s bank will generally receive the funds 1 to 2 days later. The funds will usually be credited to the beneficiary within 2 days. However, there are several factors which could delay the credit to the beneficiary. These include, but are not limited to local bank holidays, delays by an intermediary bank, or other local conditions.

Note, too, that some countries have been designated as slow-to-pay layer countries. Transfers made to or from a slow-to-pay country may experience delays in crediting the beneficiary’s account.

The United States does not currently participate in IBAN. Therefore, Navigant Credit Union does not have an IBAN number.

The International Bank Account Number (IBAN) is the international standard for identifying international bank accounts across national borders.

The IBAN is comprised of a maximum of 27 alphanumeric characters within Europe and a maximum of 34 outside of Europe (German IBAN: 22 characters). At present, the United States does not participate in IBAN. Therefore, Navigant Credit Union does not have an IBAN.

When sending wire transfers to countries that have IBANs, we recommend including those numbers in your wire transfer documentation. According to the European Directive, only the account-keeping bank may calculate the IBAN / check digits. To obtain the IBANs of another bank, please visit that bank’s website or contact them directly to obtain that information.

The Society for Worldwide Interbank Financial Telecommunication (SWIFT) Code is a unique identification code that may be required by some banks, broker-dealers and investment managers for the completion of international wire transfers.

If your financial institution requires sending the funds via SWIFT, please request an MT 103 using the following instructions:

  1. Beneficiary Bank Name: PNC Bank N.A
  2. Beneficiary Bank Address: 249 Fifth Avenue, Pittsburgh, PA
  3. Beneficiary Bank Swift BIC: PNCCUS33
  4. Beneficiary Bank ABA: 043000096
  5. Final Beneficiary Account: 8611896455
  6. Final Beneficiary Name: Navigant Credit Union
  7. Final Beneficiary Address: 1005 Douglas Pike, Smithfield, RI 02917
  8. Payment Reference: Further credit to (Member’s Name, Account Number, Physical Address (no P.O. Box)

The daily deadlines for outgoing wire transfers are:

Domestic Wire Transfers: Monday through Friday, 4:30 pm EST

International Wire Transfers: Monday through Friday, 4:00 pm EST

Requests received after the deadlines (above) will be processed the next business day.

Pittsburgh National Corporation which is one of the largest diversified financial services institutions in the United States. PNC is our FX (foreign exchange) provider. Foreign exchange is the conversion of one currency into another at a specific rate known as the foreign exchange rate.

To get started receiving your wire transfer, provide your sender with your full name, address, and your Navigant account number.
Your full account number (see the image below to find your account number)

If you would like to wire money into a savings account, and you need assistance in obtaining your account number, please call the Contact Center at (401) 233-4700 or stop into any branch office for assistance.

This information is also available on the mobile app. Select your account and click on details to obtain the full account number.

You will also need to provide our Intermediate Beneficiary and Final Beneficiary information, as listed below:

Intermediate Beneficiary Information

Name: PNC Bank N.A.
Address: 249 Fifth Avenue, Pittsburgh PA 15222
Swift BIC: PNCCUS33
ABA: 043000096
Final Beneficiary information:
Account: 211589828
Name: Navigant Credit Union
Address: 1005 Douglas Pike, Smithfield RI 02917
Further Credit to:  Member Name, Account Number & Physical Address (no P.O. Box)

Please note that the Member Name, Physical Address, and account number must match exactly, or the transfer will be returned.

To get started receiving your wire transfer, provide your sender with your full name, physical address (no P.O. Box), and Navigant account number.

The credit union’s routing number: 211589828
The main office address: 1005 Douglas Pike, Smithfield, RI 02917
Your full account number (see the image below to find your account number)

If you would like to wire money into a savings account, and you need assistance in obtaining your account number, please call the Contact Center at (401) 233-4700 or stop into any branch office for assistance.

This information is also available on the mobile app. Select your account and click on details to obtain the full account number.

Please note that the Member Name, Physical Address, and account number must match exactly, or the transfer will be returned.

Fees may apply, depending on the type of wire. You will be able to review any fees by clicking on our Fee Schedule for a complete list of our current fees and service charges.

Beneficial Ownership

Why has Navigant Credit Union been asked to collect this information?

Navigant Credit Union, as well as all other financial institutions in the U.S., will be required to collect beneficial ownership information. The U.S. government implemented the new beneficial ownership regulation to help fight financial crimes. Navigant Credit Union is doing its part in upholding the new regulation to protect the financial system. Compliance with regulations has always been of utmost importance to Navigant Credit Union, and the new beneficial ownershipregulation will be treated with the same level of importance.

The U.S. government regulation defines “beneficial ownership” as being made up of two roles: (1) those that have an ownership interest in a legal entity and (2)those that control a legal entity.

For those people who have an ownership interest in the legal entity, Navigant Credit Union is required to identify and collect personal information on anyone that meets or exceeds the following ownership thresholds:

Ultimate Beneficial Owners:

  • A natural person having 25 percent or more of the equity interests of a legal entity; or
  • A natural person owning more than 10 percent if:
            a. An individual, with any amount of ownership, is anon-U.S. person (i.e., a non-  U.S. citizen who is not a lawful permanent resident); or
            b. The entity customer or intermediary entity is formed outside of the U.S.; or
            c. The entity client is a Private Investment Companies (PICs) / Personal Investment Vehicles (PIVs).

 

Control Person:

A person with significant managerial control or influence over a legal entity customer (e.g., Chief Executive Officer, Chief Financial Officer, Managing Member, General Partner, etc.)

For every legal entity client subject to beneficial ownership, you mustidentify one control person.

NOTE: It is possible that the control person may also be an ultimate beneficial owner.

The Certification of Beneficial Ownership is a legally required form that Navigant Credit Union must collect from legal entity customers regarding their ultimate beneficial owners and the control person.

By completing the form, you are attesting that the information provided is accurate to the best of your knowledge.

Navigant Credit Union will maintain beneficial ownership information in its system of record. We maintain strict privacy policies and procedures.

Any client information, including beneficial ownership information, will not be shared.

Yes. If you are more comfortable providing information in person, please reach out to your Navigant Credit Union representative directly.

No. The Beneficial Ownership regulation only applies to applicable legal entity accounts.

For more information on beneficial ownership, please contact your relationship manager.

No. This information will not be used for marketing or prospecting purposes.

The change should not impact your existing accounts. However, please be aware that your Navigant Credit Union representative may reach out for beneficial ownership information to update your account file, ensuring necessary compliance for any future financial requests.

Yes. Regardless of customer status, information about the ultimate beneficial owners and the control person must be provided to comply with the regulation. 

The beneficial ownership regulation is a federal law requiring all financial institutions to identify and verify the identity of the beneficial owners of legal entity customers as well as a controlling person of the legal entity anytime an account is opened or maintained.

The regulation is aimed at making financial institutions safer for their customers and protecting the country’s financial system.

No. All financial institutions are required to comply with the new beneficial ownershipregulation and will be collecting this beneficial ownership information fromapplicable customers.

Beneficial ownership information will be collected using Navigant Credit Union documents and should be returned to your Navigant Credit Union representative. Visit our Beneficial Ownership page to find the fillable form under Certification of Beneficial Owners of Legal Entities. 

Business Banking

Do business members have their own online banking platform?

Yes, there is an online banking platform specific to business members.
Our business banking platform offers:

  • Balance and Transaction Information
  • Cleared Check Images
  • Transfer Capability
  • Digital Statements

Once our Digital Services Department processes your registration documents, you will receive two separate emails with your temporary User ID and password for initial enrollment.

During the enrollment process, you will select your own permanent User ID and password.

Our business banking expanded services include: 

  • ACH Origination Module
  • Wire Transfer Module
  • Balance and Transaction Information
  • Cleared Check Images

 

And more!

You can view a demo of our Business Online Banking platform here: https://navigantcu.org/business/online-mobile-banking/#online-mobile-banking.

Report the Attack

Businesses that have been victimized by the BEC scam (regardless of dollar amount) are encouraged to file a report with the IC3 at www.IC3.gov or contact their local FBI office. 

Businesses who are members of Navigant Credit Union, also are encouraged to contact us to report the attack, ideally within 24-48 hours after which it is very rare that funds can be recovered. 

Timing is critical. If notified immediately, financial institutions and law enforcement have a better chance of recovering the stolen funds, even if the funds were sent internationally. Waiting even 24 hours to report an incident can greatly diminish law enforcement’s ability to recoup funds.

When reporting the incident, identify the complaint as “Business Email Compromise” or “BEC” and provide:

  • A general description of this crime, how and when it occurred
  • Header information from the email message the executive sent internally to request the funds transfer
  • The specific wiring instructions, including beneficiary and account details for where the transfer was to be sent
  • Attempted and actual loss amounts
  • Details on when and how you believe you were defrauded   
  • Other relevant information you believe is necessary to support your complaint

 

Keep all original documentation, emails, faxes, and logs of all telecommunications. You will not be able to add or upload attachments with your IC3 complaint if it’s filed online; however, retain all relevant information in the event you are contacted by law enforcement.

Complete an Internal Review

Businesses are encouraged to conduct an internal review to determine how the attack occurred and if changes are needed. Specifically:

  • Was the email system hacked, giving criminals access to executives’ email accounts? If so, are additional protections in order? 
  • What happened, and who was involved? This may indicate where training is needed or if there might be an insider element to the attack, although this is rare.
  • What allowed the attack to happen? Do processes and controls need to be revised to prevent such a loss again?

Follow the steps below to activate your Hard Key-FOB Token: 

  1. Log in to Business Online Banking and go to My Settings
  2. Scroll to the Login & Security section and click Edit next to the Security Options
  3. In the security token section, enter the serial number in the “Enter Credential ID” field

 

Note: the serial number is located on the back of your hard token and begins with AVT.

  1. Enter your Business Online Banking password in the “Current password” field
  2. Click Save to activate
  3. Now you’re ready to use your token in Business Banking

To get started with Business Online Banking, you must first complete a Business Online Banking Agreement. A digital services representative will then enroll you and contact you with login instructions. You can also stop by a local branch to pick up a physical copy of the agreement.

After the system upgrade, you will need to update your QuickBooks online settings to make sure all data is transferred properly. For detailed information, see our QuickBooks Online Conversion Instructions. We also offer Windows-specific instructions or Mac-specific instructions available. 

It is important that you perform the instructions exactly as described and in the order presented. This conversion should take 15-30 minutes.

For detailed instructions, see our Creating a Sub-User in Business Banking guide, under Adding Sub-User Wire Transfer Permissions. 

Templates can be for a Domestic or International wire using a US Intermediary Bank and sent in US dollars.

For detailed instructions on creating both Domestic and International wire transfer templates, see our Business Banking Wire Templates and Initiation Instructions. 

  1. Log in to your Business Online Banking account
  2. Select the ACH/Wire payments tab, go to Manage Payment Templates from the drop-down menu.
  3. Common uses of ACH Templates are Payroll and Vendor Payments
  4. Choose the Add a Template tab
  5. Enter a Template Name, which must be unique from other templates
  6. Choose the Funding Account from the drop-down list
  7. Choose Template Type
    Commercial (CCD) for Business accounts
    Consumer (PPD) for Personal accounts
  8. Select if the template will be used to Make a payment or Collect a Payment
  9. Select and choose ACH Company ID if multiple IDs are displayed
  10. Enter Template Description. For Example: ABC Payroll
  11. Choose the Settlement option
    One settlement entry per batch offset
    One settlement entry per item offset
  12. Select Add a Consumer
  13. Add participants
  14. Complete the Add a Consumer information
    Prenote is Optional. If an account is pre-noted, you will not be able to schedule a payment until the mandatory 3-business-day waiting period
    The Amount field can be $0.00, then the actual amount entered during initiation
  15. Click Save Template
    If the business is using Dual Control, the saved template will appear in the “My Approval Widget” for the second user’s approval
    This screen will only show templates that require approval by a second user
  16. Approve the template
  17. Go to the My Accounts screen and select the My Approval widget
  18. Select the Template name to review details and click Approve
  19. Select Confirm on the pop-up window

 

The template is now available to use and shows as “Approved” on the template screen

Hint for clients using both ACH & Wire Services, when naming wire templates, start with WIRE- so it will display all template types together in the menu.

For example: Wire -Sunrise Title Company.

How do I add ACH processing permissions in the new Business Online Banking platform?

Businesses can initiate ACH Payments and Collections via the Make/Collect a Payment screen by selecting a Template Name, Make a One-time payment, or Collect a One-time payment.

Note: ACH and Wire options are commingled within the Make a Payment Tab.

About Us

What is Navigant's routing / ABA number?

Our ABA routing number is 211589828.

A credit union is a not-for-profit, member-owned, and operated financial cooperative. When you join Navigant Credit Union, your initial deposit to open a share account establishes your membership and makes you a part-owner. Since there are no outside bank stockholders to satisfy, our credit union passes on the savings to you in the form of lower mortgage and loan rates, fewer service fees, and higher yields on savings and checking. Join Navigant Credit Union today!

Visit our Rates Page to view deposit rates and loan rates.

Deposit accounts at Navigant are insured for at least $250,000 by the National Credit Union Association (NCUA) and backed by the full faith and credit of the United States Government.

Our mailing address is:

1005 Douglas Pike
Smithfield, RI 02917-1206

We do not participate in Shared Branching. Shared branching is a service that lets credit union members use branches of other credit unions to conduct business. 

Unlike banks, credit unions are member-owned financial cooperatives; so when you join Navigant Credit Union, your initial deposit to open a share account establishes your membership and makes you a part-owner. Since there are no outside bank stockholders to satisfy, our credit union passes on the savings to you in the form of:

  • Lower loan rates
  • Higher savings returns
  • Free Online and Mobile Banking
  • Full Business Service Suite

 

And many other convenient services!

Credit Unions are governed by the National Credit Union Administration (NCUA) instead of the FDIC.

In the same way that bank accounts are insured by the FDIC, member deposit accounts at all Federal Credit Unions and most state-chartered Credit Unions are insured by the National Credit Union Share Insurance Funds (NCUSIF) for up to $250,000.

The fund is backed by the full faith and credit of the U.S. government. No taxpayer funds are used to support the NCUA or the NCUSIF. To date, not one penny of insured savings has ever been lost by a member of a federally insured credit union.

You can use the NCUA’s Share Insurance Estimator to see how your accounts are covered.

Yes, Navigant Credit Union is a community credit union. Anyone may join, subject to proper verification.

Navigant Credit Union has engaged the services of TruStage to offer our members some new insurance products. We feel that their products and services are beneficial to our members, providing additional peace of mind. You are in no way obligated to commit to the insurance but we feel that it is a great offering to compliment the many products and services that we already have. 

If you believe you have what it takes and are interested in joining our team of financial service professionals, please contact us.

Please visit Navigant’s Careers page to apply for a position with Navigant Credit Union. You may attach your resume to the application. View open positions here.

Some examples of the benefits available to the Credit Union’s employees are:

  • Low premium employee medical and dental coverage through Blue Cross/Blue Shield of RI and Delta Dental
  • Medical and Dependent Care Flexible Spending Account Program
  • Comprehensive Vision Benefit PlanLife and Disability Insurance401(k) Program and Roth 401k plan with generous matching contributions
  • Tuition reimbursement for industry related post-secondary educationPaid Time Off
  • Employee fitness center with trainer-led classes
  • Wellness programs and events aimed at improving health
  • Discounted or free financial products and servicesIn-depth training for all new employees

 

Please call us at 401-233-4700 if you have any further questions.

Turbo Tax

How can I obtain help with Turbo Tax?
If you have Turbo Tax questions regarding status or processing, the member support telephone number is 1-888-777-4061.

No, you can only file for the primary account holder. There is an option to purchase and download the desktop version of Turbo Tax which allows multiple filing.

CD

What is a Certificate of Deposit (CD)?

A Certificate of Deposit (CD) is a savings account that holds a fixed amount of money for a fixed period of time–like six months, one year, or five years–and in exchange, the issuing bank or credit union pays interest.

Once your Certificate of Deposit (CD) matures, you will have 10 calendar days to change your terms, withdraw your funds, or deposit more.

After 10 days, your Certificate will automatically renew with the same term and the current certificate rate. You will be assessed a penalty if you withdraw your funds at this point in time.

Learn more about certificates here or contact us for assistance.

Yes, a penalty will be assessed for early withdrawal from a Certificate of Deposit (CD). 

Club Accounts

How will I receive my Christmas Club?

Christmas Club Accounts payout around the second week of October. The funds will be transferred to the account you authorized when you opened your Christmas Club account.

Navigant Credit Union offers Christmas Club and Vacation Club account options.

Get in touch with us

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401-233-4700

Forbes - Best-In-State Credit Unions Icon

ROUTING #211589828

NMLS# 462987

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All Navigant Credit Union locations will be closed on Friday, June 19th in observance of Juneteenth.