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Terms & Conditions

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Navy Federal Gift Card Terms and Conditions

The following disclosures set forth your and our rights and responsibilities concerning your Navy Federal Gift Card. These Terms and Conditions are governed by Virginia law. In this Agreement, the words “you” and “your” mean the person who has received the Navy Federal Gift Card, the words “we”, “us” and “our” mean Navy Federal Credit Union. The Card is not an account, does not earn dividends, is not re-loadable, and is not federally insured by the National Credit Union Administration.

Agreement; Amendments

We agree to maintain the Card for you and to perform according to this Agreement. By signing, activating, or using the Card or by permitting anyone else to use the Card, you agree to the provisions of this Agreement, which is subject to amendment, and further agree that this Agreement is binding on your successors, representatives and assigns. The Card is our property, and we reserve the right to cancel or revoke its use at any time without prior notice, subject to applicable law.

Using Your Card

Navy Federal Gift Cards can be used in the United States and on United States military bases.  U.S. territories are excluded.  You may use your Card as often as you like to obtain goods and services up to the value of the Card. Each time you use your Card, we will deduct the amount of the transaction from the remaining value associated with the Card. The Card is not re-loadable and cannot be used after its value reaches zero. If you use your Card for more than its available value, you agree to pay us the difference upon demand.  We recommend checking the balance of your Card before using it.  In order to make purchases online or over the phone, the card must first be registered with your name, address and phone number. You may register your card and select a four digit Personal Identification Number (“PIN”) by visiting  We caution against using your Card at automated fuel pumps since the transaction could result in a decline or an inconvenient hold on available funds, which could last several days. Instead, we recommend prepaying your gas purchase in person with the cashier.  Navy Federal will authorize transactions on available balances except under certain circumstances such as; if the card is cancelled or you attempt to use the cards in the following ways:

Card Expiration

The underlying funds on your gift card expire with the card. Your gift card expiration date is embossed on the front of the card. You can make purchases using your card until either you reach the expiration date shown on the card or you have used the full value of the card. After 12 consecutive months of no activity, the card will be charged an inactivity fee of $5.00 per month until the balance is depleted or you make a purchase.


In the event that one or more provisions of this Agreement shall for any reason be held invalid or illegal, such holding will not affect the enforceability of any other provision.

Charges and Fees

All fees will be debited from the remaining card balance
Card Purchase Charge $0
Inactivity Fee (After 12 consecutive months of no activity, the card will be charged $5.00 per month until the balance is depleted or you make a purchase) $5.00
Lost/Stolen or Replacement Fee $5.00
Express Delivery Fee $5.00
Cash Value Unload Fee (sending a check) $10.00


Telephoning us through our processor at 1-866-262-7438 is the best way of keeping your possible losses to a minimum. You may also write us at the following address: Visa Debit Processing Service, P.O. Box 026098, Miami, FL 33103. If you tell us within 2 business days after you discover the loss or theft of your Card, you will not be liable for any losses resulting from the use of your Card without your permission. If you do not tell us within 2 business days after learning of the loss or theft, you may be liable if someone used your Card without your permission.

Cardholder Service

You can review your Card's remaining value and transaction history 24 hours a day, 7 days a week by enrolling the Card online at If you have any questions about the Card, you can contact us at 1-866-262-7438 or write to us at Visa Debit Processing Service, P.O. Box 026098, Miami, FL 33103.

Error Resolution Procedures

In case of errors or questions about transactions on the Card, telephone us at 1-866-262-7438 or write to us at: Visa Debit Processing Service, P.O. Box 026098, Miami, FL 33103. We must hear from you no later than sixty (60) days after your transaction history was FIRST made available or you obtained the receipt on which the error or problem appeared. If you choose to notify us via telephone about any errors or questions, we will also require you to submit your concerns in writing.

You must provide the following information:

We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, we will re-credit the Card within ten (10) business days for the amount you think is in error.

We will tell you the results within ten (10) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

Disclosure of Information to Third Parties

We may disclose information to third parties about your Card or the transactions that you make: where it is necessary for completing the transaction; to verify the existence and condition of your Card for a third party; to comply with government agency or court orders; if you give us your consent; or as otherwise required by law.

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