How to Cash a Check on Navy Federal App: A Step-by-Step Guide

Cashing a check has never been easier with the Navy Federal App. In this step-by-step guide, we’ll walk you through the process of cashing a check using the Navy Federal App, providing you with all the details you need to ensure a seamless and convenient transaction.

How to Cash a Check on the Navy Federal App

Cashing a check through the Navy Federal App is a straightforward process. Here’s how you can do it:

  1. Download and Open the App: If you haven’t already, download the Navy Federal App on your mobile device and log in using your account credentials.
  2. Select ‘Deposit’: Once logged in, locate and select the ‘Deposit’ option. This is where you’ll initiate the check-cashing process.
  3. Choose the Account: Select the Navy Federal account to deposit the funds. Ensure that the account you choose is the one you intend to use.
  4. Enter Check Details: Next, you’ll need to provide information about the check. This typically includes the check’s amount and serial number, usually found at the bottom of the check.
  5. Take Photos of the Check: Use your mobile device’s camera to capture images of the front and back of the check. Make sure the check is well-lit and fully visible in the photos.
  6. Verify Information: Review the check details and images you provided to ensure accuracy. Double-check the amount and the account you’ve selected.
  7. Submit the Deposit: Once satisfied with the information and images, press the ‘Submit’ or ‘Deposit’ button to initiate the deposit process.
  8. Wait for Confirmation: The Navy Federal App will typically provide a confirmation message indicating that your deposit has been received and is being processed. Be sure to keep this confirmation for your records.
  9. Funds Availability: The time it takes for your funds to become available may vary depending on Navy Federal’s policies. The first $225 of a check is made available immediately, with the rest subject to a holding period.

Tips for a Smooth Check Cashing Experience

  • Ensure that the check is adequately endorsed with your signature on the back.
  • Use a well-lit area and a stable surface when taking photos of the check.
  • Confirm that the check amount matches the amount you entered in the app.
  • Keep a record of the check and confirmation for your financial records.


Cashing a check on the Navy Federal App is a convenient and straightforward process. Following the steps outlined in this guide and adhering to best practices, you can quickly and securely deposit checks into your Navy Federal account. Enjoy the convenience of mobile check deposit, saving you time and a trip to a physical branch.