Navy Federal overdraft fee
Navy Federal prints the overdraft dollar on its fees page and on its schedule of fees. Optional Overdraft Protection Service (OOPS) is $20. A returned NSF item is no charge. The wider table is [US overdraft fees by bank](/guides/us-overdraft-fees-by-bank).
Last updated: October 21, 2026
Last checked: Oct 2026
The $20 fee
Opened 21 October 2026. The figures are from the Navy Federal fees and charges page and the schedule of fees and charges. OOPS is $20.00 each time Navy Federal pays an overdraft, with a maximum of one fee per day per checking account. The schedule lists non-sufficient funds, an item returned unpaid, as no charge.
The same fees page says there is no fee on a transaction of $20 or less, and no fee if the amount overdrawn after all transactions have posted at the end of the business day is less than $50. OOPS is available up to $500. Paying an overdraft is at Navy Federal's discretion. The OOPS disclosure lists 1-888-842-6328 for a savings transfer change.
The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Line | What Navy Federal prints |
|---|---|
| OOPS, paid overdraft | $20.00, maximum 1 fee a day per account |
| NSF item returned unpaid | No charge |
| Small transaction | No fee on a transaction of $20 or less |
| Small overdraft | No fee if overdrawn by less than $50 after posting |
| Overdraft savings transfer | No charge |
How to avoid it
A returned item is not where this $20 comes from. The schedule says that NSF return is no charge. The $20 is for an overdraft Navy Federal pays under OOPS. The fees page skips the fee when the transaction is $20 or less, or when the account is overdrawn by less than $50 after the day's items post. Only one of these fees can be charged on an account in a day.
An overdraft savings transfer moves money from a linked share savings account and the disclosure says that transfer is at no charge. A money market savings account is not eligible to be the linked account. Statement PDFs are on how to download a Navy Federal statement.
Questions
- How much is a Navy Federal overdraft fee?
- The fees page prints $20 each time Navy Federal pays an overdraft under Optional Overdraft Protection Service.
- Does Navy Federal charge a fee when it returns an NSF item?
- The schedule of fees lists non-sufficient funds, an item returned unpaid, as no charge.
- How many Navy Federal overdraft fees can post in one day?
- The fees page says you can only be assessed one overdraft fee per day per account.
Sources
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