Guide to Navigator Convenience Checking

We’ve kept it simple, giving you everything you need in a checking account without the unwanted fees.
It’s a combination that’s hard to find elsewhere.

No minimum balance requirements. You’ll love the flexibility and convenience of a Navigator Checking Account because there is no minimum balance to maintain. You can withdraw your funds when needed without worrying about falling below a required minimum balance.

No Monthly Service Charges. Compare Navigator with other financial institutions’ Checking Accounts and you’ll discover that we are one of the few that offer no monthly service charges on Checking Accounts, with no minimum balance requirements.

No Per Check Fees. Because we don’t charge you a per check fee, you can never write too many checks!

Free VISA Check Card with ATM access. Give yourself 24-hour cash convenience. Use it to pay for anything from groceries to gasoline. Using your VISA Check Card is like paying by check without ever having to write one. The Navigator Check Card deducts purchases directly from your Checking Account, and also serves as an ATM card. There is no fee for the card, no monthly service charge and unlimitied transactions. The Check Card is accepted worldwide wherever you see the VISA logo. The Check Card is accepted as an ATM Card at any ATM* participating in the same networks listed on the back of the card. Either way you use the card, you have unlimited 24-hour access to your Checking Account anywhere in the world.

Competitive Daily Interest Rate. Unlike most regular Checking Accounts offered by banks, your deposits of more than $1,000 earn dividends daily which are posted to your account monthly. This competitive rate is set monthly by the Board of Directors, elected by you.
Recognized and Readily Accepted. As the largest state chartered credit union in Mississippi, Navigator Credit Union checks are recognized and readily accepted so that all your transactions are hassle free.
Easy Record Keeping. Navigator Credit Union provides carbonless checks, easy to read monthly statements and 24-hour account access via telephone or Internet through ’N Touch.
Easy Access. Deposits to your Checking Account may be made in person, by mail, through Direct Deposit, ACH or Payroll Deduction. In addition to ’N Touch, you can access your account through thousands of ATMs worldwide.

Direct Deposit. Have your salary, pension or social security directly deposited to your account. It’s fast, safe and reliable. You may also deposit your payroll from an outside company through the Automated Clearing House. Ask us how!

Payroll Deduction. If you’re an employee of Northrop Grumman Ship Systems, you’ll enjoy the convenience and peace of mind of automatically paying your Navigator loans with Payroll Decuction.

Overdraft Protection. Your Checking Account may be automatically protected with the funds in your Savings Account, and you may choose to set up other joint Savings Accounts as coverage. You may also want to apply for the Lifesaver Line of Credit for those times when spending goes a little overboard. With Lifesaver protection you can establish a line of credit that can be accessed for only $2.00 to cover an overdraft and eliminate the need to reapply for a loan every time you may need additional funds.
Unlimited ATM Withdrawals allows you to get money as often as you want anytime day or night. Unlike other financial institutions, we do not limit or charge for the number of times you access your account.
24-hour Check Reordering. Out of checks? No problem! Just call ServiceLine Plus at 1-800-355-8123 or log onto our website www.navigatorcu.org. Check reordering is fast and safe. Your account information is secure and your check delivery is expedited so you can get your checks quick.

Navigator Credit Union Helps You Stay ’N Touch

’N Touch provides members with 24-hour account access and loan submission to the credit union. To select the method that works best for you, select one of the following:

’N Touch Audio provides convenient access to your account, at your fingertips. You can transfer funds, verify balances or cleared checks, obtain mortgage information, make mortgate or VISA payments and even apply for a loan. It’s quick and it’s easy with a touch-tone phone. And it’s available free of charge. Call (228) 696-6380.

’N Touch Web Home banking provides free 24-hour account access. Use your computer to securely access your account to check balances, transfer funds, view your transaction history, track your cleared checks and review your monthly statements. Navigator also has partnered with the United States Postal Service to provide members with free bill pay services.

Getting Started...
To open a Navigator Checking Account, visit any of our seven branch locations. You must be a Navigator member and must present proof of identification at the time the account is opened.