Put more freedom in your wallet

Simplify your life with our ATM/Visa Debit Card.

We know your life is busy. That’s why we want to help by simplifying things wherever we can with products like our ATM/Visa® Debit Card that saves you the hassle of carrying cash or writing checks. From the added security of our EMV chip-enabled cards, to our Card Controls that allows you to manage your debit cards through your mobile device, we’re on a mission to make your life more convenient.

Contactless Cards

A Safe and Secure Way to Pay

For a faster, easier way to pay, just hold your contactless VISA® card over any reader where you see this sign.

Contactless Cards available via re-issue only. Visa® is a trademark owned by Visa International Service Association and used under license. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

Navigant Credit Union ATMs

Use them fee-free, 24/7

As a Member, you can use our ATMs, 24/7 fee, free.

Click here to view our branch locations, including our ATM on the Bryant University campus (MAC) in Smithfield, RI.

Don’t worry if you’re away from home.

Our partnership with Rhode Island Credit Union ATM Network allows our members to make withdrawals from their ATMs, fee-free. Click for locations in RI.

Text Messaging Fraud Alerts

Security at your fingertips

We are committed to providing our members with the most advanced fraud protection solutions available. Fraud Protection through interactive text alerts will help stop card fraud by alerting you as soon as suspicious activity is detected.

Members are automatically enrolled in this free service. The new text messaging feature is an alert that members are enrolled in for immediate notification to their mobile phone number listed on their account.

How it works:

  • A text message will be sent to your mobile phone when there is a suspicious transaction identified on your debit card account.
  • If you respond, NO you’re indicating the transaction is fraud, and you will receive another message that states “your card has been blocked” – this text will include the fraud call center number: 833-735-1891 (for voice and email communications) or 833-735-1897 (for text communications)
  • If it’s not fraud, simply respond, YES and the system will mark the transaction as legitimate and you can get on with your day – easy as that!
  • Members who do not want this service can Opt Out at anytime by calling our Call Center at 401.233.4700 or replying STOP when they receive their first fraud alert.

EMV Chip Enabled Cards

Bringing added security to your payments

All of our credit and debit cards are embedded with a tiny microchip that does big things. EMV cards hold your personal data in this secure microchip—rather than the traditional magnetic stripe–making it virtually fraud-proof when you insert it into a card terminal to pay.

24/7 Card Care Support

Peace of mind even after hours

Please call 401-233-4700 to conduct the following transactions on your ATM/Debit Card:

  • Report a Lost/Stolen Card
  • Report Debit Card Fraud
  • Reset your PIN
  • Notify us of travel plans
  • Order a card replacement
  • General ATM/Debit Card Inquiries

Personalized Debit Card

Add some personality to your wallet

Personalized ATM Visa/Debit Card
That photo of you two in the Caribbean. The snapshot of your grandchildren. Your four-legged friend. Whatever your favorite picture is, we can use it to customize your very own personal debit card.

It’s Easy To Do
  1. Upload your photo
  2. Place it how you want it to print on your card
  3. Click the submit button

How much does it cost?
$10.00. This charge covers the cost of card production.
Sign Up Today

New Members: If you do not have a checking account please contact us about opening your account or open an account online and purchase a “Your Journey” Debit Card today.

Current Members: If you already have a checking account with us you can order a “Your Journey” Debit Card online whenever you are ready.

Your checking account will be assessed a processing fee of $10.00.

Click here to design your card with your desktop computer.

Click here to design a card with your mobile device.

Please note that “Your Journey” personalized debit cards have a different debit card number than the initial debit card provided to you by Navigant Credit Union. Existing automatic payments setup on a debit card would have to be updated to the new personalized debit card number within 60 days to avoid any payment disruptions.

Image Requirements for Personalized Digital printed Visa Cards Images that contain any of the following will not be accepted:

  • Competitive marks or names
  • Political or religious imagery which is offensive to cultural values
  • Illegal groups
  • Socially unacceptable groups
  • Provocative or sexual material
  • Branded products (except those associated with approved Affinity/Co-Brand programs)
  • Copyrighted or trademarked material not owned by partner
  • Celebrities/musicians/public figures/athletes/cartoons, etc. (except for those associated with approved Affinity/Co-Brand programs)
  • Phone numbers (e.g. 800 or 900 numbers) and URL addresses (e.g. www.xyz.com)
  • Violence, profanity or obscenities
  • Any references to Visa sponsorship properties (e.g. Olympics — except for those associated with approved programs)
  • Any photo that might result in non-acceptance or other problems at the point of sale
  • Any printing or process that interferes with the required security features of the card
  • Reproduction of currency, where applicable
  • Any image that may potentially bring the Visa brand into disrepute 

Mobile Wallet: Use your phone like a wallet

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

Overdraft Coverage Options

Overdraft Privilege and Overdraft Protection

Life moves quickly, and unexpected expenses can pop up and lead to accidental overdrafts. At Navigant Credit Union, we do our best to work with our members to solve those problems so that you can continue moving along your financial journey.

Overdraft Coverage Options

The choice is yours. Consider these ways to cover overdrafts:

Service
Cost

Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account, or line of credit you may have at Navigant Credit Union for a fee or finance charge. Please note that overdraft lines of credit are subject to credit approval.

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Even if you have overdraft protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted.
Click here for the full Overdraft Privilege disclosure.

Transactions Covered with Overdraft PrivilegeStandard Coverage
(No action required)
Extended Coverage
(Your consent required on consumer accounts)*
ChecksXX
ACH - Automatic DebitsXX
Recurring Debit Card PaymentsXX
Online Bill Pay ItemsXX
Teller Window TransactionsXX
ATM WithdrawalsX*
Everyday Debit Card TransactionsX*
If you would like to select Extended Coverage for future transactions:
  • call us at 401-233-4700
  • complete this online consent form
  • complete this consent form and mail it to us at 1005 Douglas Pike, Smithfield, RI 02917

*If you choose Extended Coverage, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage.

You can discontinue the Overdraft Privilege in its entirety or opt-out of Extended Coverage by completing this form or contacting us at 401-233-4700.

Apply for a cash reserve line of credit

1. Call us at 401-233-4700, email us at [email protected], or come by a branch to sign up or apply for these services;
2. subject to credit approval.

*If you choose Extended Coverage, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage.

Overdraft Opt-Out Form

Please enable JavaScript in your browser to complete this form.
Name
Notice:

Travel Notification

Let Navigant Credit Union assist you with card payments while you are on the road. Whether you are planning your summer vacation or traveling during the year, being prepared is an essential part of your journey.

PLEASE CONTACT US AT 401-233-4700 (at least 24 hours before you leave)

Confirm your travel and card information with the following details :

Travelers names, depart/return dates, where you’re traveling to, and the best contact phone number to reach you while you are traveling.

We take the security of our cardholders very seriously and employ sophisticated systems to identify potentially fraudulent transactions on your ATM or debit card. Due to fraud restrictions for certain countries, let us know when and where you will be traveling in order to avoid declined transactions or fraud alert calls for out-of-the-ordinary transactions. This is VERY important for international travelers.

In addition, please note:

We always recommend carrying at least two (2) payment products in addition to cash. Navigant Credit Union offers a full line of credit cards. Please visit any branch location for more information.

Enjoy your journey!

Online and Mobile banking will be intermittently unavailable on Sunday, June 23rd from 12:30am-6:30am due to system maintenance. We apologize for the inconvenience.