Grade C — Standard consumer terms (score 64/100)
Navy Federal's terms include broad termination rights and indemnification, but notably lack a forced arbitration clause or class action waiver.
Standard banking terms. No forced arbitration. Broad termination rights.
You agree that we may terminate or suspend your use of the Service(s) at any time and for any reason or no reason.
The company reserves the right to terminate your access to the service without cause or prior notice.
You agree to defend, indemnify, and hold harmless us and our Affiliates and Service Providers... from any loss, damage, claim, or demand (including attorneys’ fees) made or incurred by any third party.
You are required to cover the company's legal costs and damages if your use of the service leads to a third-party claim.
We will disclose information to third parties about your account or the transactions you make ONLY in the following situations: ... e.) In order to comply with a governmental agency or court orders.
The company shares your account information with government agencies when required by law.
Biometric authentication is the process of verifying your identity based on your unique characteristics (biometric information), such as your fingerprint or face.
The service collects biometric data (fingerprint or face) for authentication.
You will be given at least twenty-one (21) days advance notice before Navy Federal implements any new fees for Mobile or Online Banking or Bill Pay.
The company commits to providing 21 days' notice before introducing new fees.
Last reviewed 2026-08-20 under rubric v3.5.