Open the app and go to your account settings
To add a savings account in the Navy Federal app, start by opening the app on your phone or tablet and signing in with your username and password. Once you're logged in, look for the menu icon — usually three horizontal lines in the top left or bottom right corner, depending on whether you're using iOS or Android.
Tap the menu, then look for "Settings" or "Account Settings." The exact wording varies slightly between app versions, but it's always in the main menu. This is where you control which accounts show up in your app and add new ones.
Key Takeaways
- You access account settings through the menu icon in the Navy Federal app, then select Settings or Account Settings.
- The app shows only accounts you've linked to it, so adding a new savings account means telling the app about an account that already exists at Navy Federal.
- If you don't yet have a second savings account, you'll need to open one through the Navy Federal website or at a branch before you can add it to the app.
- The process takes about two minutes once you're in settings, and the new account appears in your app immediately after you confirm it.
Find the "Linked Accounts" or "Manage Accounts" option
Inside Settings, look for an option labeled "Linked Accounts," "Manage Accounts," "Account Management," or sometimes "Connected Accounts." This section controls which of your Navy Federal accounts appear in the app. Tap it to see the accounts you've already linked.
You'll see a list of your current accounts — probably your checking account and maybe one savings account already. Below that list, there should be a button or link that says "Add Account," "Link Account," or a plus sign (+). This is what you tap to bring in a new account.
Select the new savings account from your Navy Federal accounts
When you tap the add button, the app will show you a list of all the savings accounts you own at Navy Federal that aren't already linked to the app. This list pulls directly from Navy Federal's records, so it only includes accounts that actually exist under your membership number.
Find the savings account you want to add and tap it. The app will ask you to confirm — just tap "Confirm" or "Add" to proceed. That's it. The account should appear in your main account list within seconds.
What to do if your new account doesn't show up
If you don't see the savings account you're looking for in the list, it's usually because the account hasn't been fully set up yet or isn't linked to your membership. New accounts sometimes take a few hours to appear in the app after you open them, even if you opened them online.
If you opened the account at a Navy Federal branch or online and it's been more than a few hours, try signing out of the app completely and signing back in. This forces the app to refresh your account list. If the account still doesn't appear, call Navy Federal's member services line — the number is on the back of your card — and confirm that the account is active and attached to your membership.
If you don't have a second savings account yet
The Navy Federal app can only show accounts that already exist. If you want to add a savings account but haven't opened one yet, you'll need to open it first through the Navy Federal website, mobile app, or at a branch.
You can open a new savings account online in about five minutes. Go to the Navy Federal website, log in, and look for "Open an Account" or "New Accounts." Select "Savings Account," answer a few questions about the account type you want, and confirm. Once it's open and active — usually within a few hours — follow the steps above to add it to your app.
Switching between multiple savings accounts in the app
Once you've added a second savings account, both will appear in your main account list when you open the app. You can tap between them to see the balance, recent transactions, and transfer options for each one. The app treats each account separately, so you can monitor them independently.
If you want to move money between your savings accounts, tap the account you want to transfer from, look for "Transfer" or "Move Money," and select the other savings account as the destination. Navy Federal transfers between your own accounts are instant and free.
Frequently Asked Questions
Can I add a savings account from a different bank to the Navy Federal app?
No. The Navy Federal app only shows accounts you own at Navy Federal itself. If you have savings accounts at other banks, you would need to use those banks' apps or websites to manage them. Some banks offer features to view external accounts, but Navy Federal's app does not.
Will adding a savings account to the app affect my account or balance?
No. Adding an account to the app is just linking it for viewing and transfers. It doesn't change the account, move money, or affect your balance. You're simply telling the app to display an account that already exists.
What if I want to hide one of my savings accounts from the app?
Go back to Settings, find "Linked Accounts" or "Manage Accounts," and look for an option to remove or unlink the account. Tapping that will hide it from your app view, but the account itself stays open at Navy Federal. You can link it again anytime.
How many savings accounts can I add to the Navy Federal app?
You can link as many Navy Federal accounts as you own. There's no limit in the app itself. The app will display all of them in your account list, and you can switch between them to check balances and make transfers.
Do I need to do anything special if I just opened a new savings account?
Wait a few hours after opening the account to make sure it's fully active in Navy Federal's system. Then follow the steps above to add it. If it doesn't appear in the account list after a few hours, sign out and back in, or contact Navy Federal member services to confirm the account is active.