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Thread: Navy Federal CU

  1. #1
    Regular Member Metalhead47's Avatar
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    Navy Federal CU

    SO I've heard nothing but good things about these folks and their tolerance, or at least neutrality towards OC in their branches. Turns out I'll shortly be eligible for membership there, and would really like to introduce Chase to the toe of my boot, but...

    I am a little nervous about OCing into a bank for any length of time. Not so much about a possible confrontation, or being asked to leave (if so asked, I will), but more about getting booted and then having to slink back in later with my tail between my legs to take care of business, and at having gotten up early on a Saturday & schlepping to Oak Harbor for nothing.

    Anyone fami
    It is very wise to not take a watermelon lightly.

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    Founder's Club Member thebigsd's Avatar
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    When it comes to OCing in a bank, you shouldn't worry too much. I haven't OCed in a Navy Federal but I have in a number of others. The only advice I can give is to be aware of how you could be perceived. I you look nervous, it will make them nervous. Take your hat or sunglasses off before going in. Smile and say hi to the first person you see. This will put the bank folks at ease for the most part.
    "When seconds count between living or dying, the police are only minutes away."

  3. #3
    Regular Member acmariner99's Avatar
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    Interesting, I don't understand the hostility towards Chase. I have OC'ed at Chase branches all over Puget Sound and where I am now in Arizona. The only comment I got was 'what did you buy at suchandsuch a gun store" when they reviewed one of my statements. But, if these smaller local CU's and smaller banks are more accepting of OC, cool, more power to ya! Actually my first OC was at a Chase branch. Gutsy yes, but the tellers knew me before that.

  4. #4
    Regular Member TechnoWeenie's Avatar
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    They do NOT allow carry in their branches.

    I was even kicked out of one of their branches, then had the head of corp security tell me that the board opted for a 'no firearms policy' across the board. He then suggested that, instead of OC, that 'While we do have a rule against carrying firearms in our branches, if we never saw it, we wouldn't be able to say anything about it'... I could see him winking across the phone lines, lol.


    If you're eligible for NFCU, you're eligible for USAA...

    Go with USAA. They have good insurance rates, and their card can actually be used for debit purposes. The card that NFCU gives you can only be used @ ATMs and run as credit, can't be run as debit at POS.

  5. #5
    Regular Member Metalhead47's Avatar
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    Quote Originally Posted by acmariner99 View Post
    Interesting, I don't understand the hostility towards Chase. I have OC'ed at Chase branches all over Puget Sound and where I am now in Arizona. The only comment I got was 'what did you buy at suchandsuch a gun store" when they reviewed one of my statements. But, if these smaller local CU's and smaller banks are more accepting of OC, cool, more power to ya! Actually my first OC was at a Chase branch. Gutsy yes, but the tellers knew me before that.
    My gripes with Chase have nothing to do with OC, just their policies, lousy service, and ever-increasing fees. Like all those other folks who switched today. I've actually OC'd in my local branch here, but only very briefly. I rarely actually go in to a bank branch in the first place.

    Quote Originally Posted by TechnoWeenie View Post
    They do NOT allow carry in their branches.

    I was even kicked out of one of their branches, then had the head of corp security tell me that the board opted for a 'no firearms policy' across the board. He then suggested that, instead of OC, that 'While we do have a rule against carrying firearms in our branches, if we never saw it, we wouldn't be able to say anything about it'... I could see him winking across the phone lines, lol.


    If you're eligible for NFCU, you're eligible for USAA...

    Go with USAA. They have good insurance rates, and their card can actually be used for debit purposes. The card that NFCU gives you can only be used @ ATMs and run as credit, can't be run as debit at POS.
    Hmm, now this is contrary to everything else I've seen here about them. For some reason the forum cut off half my post. I was trying to say, anyone familiar with an actual "official" policy re carry? I don't think I'm eligible for USAA, I can only get in with NFCU cuz my mother recently opened accounts there (ret. USAF spouse). I don't know if USAA has the same ease of access via ATM's either (NFCU lets you make deposits at any USBank ATM, among others). The part about the debit card not working doesn't make sense either, ATM's & POS terminals use the same systems, even my old ATM-only card from Chase worked POS. Can anyone corroborate here?
    It is very wise to not take a watermelon lightly.

  6. #6
    Regular Member Vitaeus's Avatar
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    in re NFCU their check card runs as a credit card at the POS but it is debited against your checking account so only difference is in the fee the merchant has to pay and generally credit transactions are cheaper for the merchant.

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    Regular Member tombrewster421's Avatar
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    Quote Originally Posted by Vitaeus View Post
    in re NFCU their check card runs as a credit card at the POS but it is debited against your checking account so only difference is in the fee the merchant has to pay and generally credit transactions are cheaper for the merchant.
    All credit transactions cost the merchant 2% of the purchase. As far as I know debit transactions are just a small flat fee (if there is one). So most purchases are probably over the amount that would make the 2% credit fee much higher.
    Guns don't kill people, bullets do!

  8. #8
    Regular Member Aryk45XD's Avatar
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    I'm with NFCU

    I have been with them since '98. Theu are one of the best credit unions in my educated opinion. However, their corp policy is no firearms in the branches.

  9. #9
    Activist Member golddigger14s's Avatar
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    A little bit OT, but I've OC'd in the Lacey Wells Fargo a number of times no issue.
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  10. #10
    Regular Member TechnoWeenie's Avatar
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    Quote Originally Posted by golddigger14s View Post
    A little bit OT, but I've OC'd in the Lacey Wells Fargo a number of times no issue.


    and I got kicked out of that same one...

  11. #11
    Regular Member Metalhead47's Avatar
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    Quote Originally Posted by TechnoWeenie View Post
    and I got kicked out of that same one...
    Man banks must not like you or something
    It is very wise to not take a watermelon lightly.

  12. #12
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    I carry into Lacey Credit Union Center (serves WSECU and Twin Star) and many WSECU branches without any problems.

  13. #13
    Regular Member sudden valley gunner's Avatar
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    Quote Originally Posted by TechnoWeenie View Post
    and I got kicked out of that same one...
    Quote Originally Posted by Metalhead47 View Post
    Man banks must not like you or something
    It is funny how things happen differently to different people. I have never had one negative encounter in a Bank.

    Richard has had several issues with Ferndale Haggens I have been there countless times OC no issues.
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    of their respect for what only appears to be a law, are cunningly coerced into waiving their
    rights, due to ignorance." (Paraphrased)

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