Update: Thursday, April 2, 2020

A Special Message to Our Members

Dear Navigator Members,

Thank you for your membership in Navigator Credit Union and for the ongoing trust you have placed in us. We continue to navigate uncharted waters as our nation responds to developments related to COVID-19 (Coronavirus). And while many things are uncertain at this time, you can rely on your Credit Union to be here, ready to serve your needs.

We want to assure you that financial institutions such as credit unions are considered essential businesses. Despite emergency orders which may affect the operation of many other businesses, we will remain available to serve you. Navigator is well capitalized and financially strong, and your funds on deposit here are federally insured.

You can also rest assured we are taking the health and the safety of our Members and our employees very seriously. To do our part to slow the spread of the COVID-19 virus and in compliance with government and public health advisories, we’ve made some changes as we honor our commitment to be here for you when you need us.

All Navigator Branches are now serving Members with drive-through service during regular hours of operation, and our Member Contact Center remains available six days a week. Although lobbies are closed, you can make an appointment for services which require a Branch visit. In addition, you can continue to conduct most transactions 24 hours a day using online and mobile banking, ATMs or by telephone.

We also want Navigator Members who are dealing with financial difficulties as a result of the COVID-19 outbreak to know you can request a review of your situation. If you’d like to ask for consideration due to special circumstances, you can call our Member Contact Center at 800-344-3281. Each request will be handled confidentially and on a case-by-case basis.

We appreciate our Members – you’re at the heart of all we do! Please take all necessary precautions to protect yourselves and your loved ones as our communities are impacted by COVID-19.

Sincerely,


Sonya Jarvis
President & Chief Executive Officer

Update: Friday, March 27, 2020

Navigator Credit Union wants to provide our Members with the best banking experience possible during the COVID-19 pandemic. Did you know you can conduct most transactions remotely?

OPTION WHERE OR HOW? WHAT CAN I DO HERE?
Online banking Access N’ Touch Web at navigatorcu.org
or download the Navigator Mobile App on the Apple Store or Google Play
• Account inquiries and transfers
• BillPay
• Loan payments
• Mobile check deposit
ATMs See Locations page on navigatorcu.org
or search the Navigator Mobile app for
a nationwide network of surcharge-free
ATMs
• Cash withdrawals
• Account balance
• Deposits (not available at all locations)
Website navigatorcu.org • Locations information
• Loan applications
• New account openings
• Product information
• Online banking access
Telephone N’ Touch Audio
800-344-3281, option 1
Requires Member number and PIN
• Balance inquiries
• History inquiries
• Transfers
• Loan information
• Withdrawals
• Checking information
Member
Contact Center
800-344-3281
Hours:
Monday - Friday:
8:30 a.m. - 5 p.m.
Saturday:
8:30 a.m. - 1 p.m.
• Account inquiries and transfers
• Online banking enrollment and support
• Loan applications
• Loan payments
• Debit/credit card issues or questions

 

To make an IRA withdrawal, access your safe deposit box or get assistance with any other services which require an in-Branch visit, please call the Member Contact Center at 800-344-3281 to set up an appointment.

Update: Friday, March 20, 2020

LOBBIES CLOSED, DRIVE-THROUGH SERVICES EXPANDED

All Navigator Branches are now offering drive-through services only, and drive-through services have been expanded to allow for most typical in-Branch transactions.

Almost all services Members have traditionally handled by visiting a Branch can be accomplished using remote and digital methods. We encourage you to take advantage of these options for your basic banking needs until the current situation is resolved. This information site offers details about all the many alternatives to in-person Branch transactions. If you need assistance getting started, please call our Member Contact Center, 800-344-3281. (Increased call volume means longer wait times to speak with a Navigator Team Member. You can request a call back without losing your place in the queue.)

BRANCH VISITS BY APPOINTMENT ONLY

Members can call our Member Contact Center (800-344-3281) to make appointments for services which require Branch visits, including account openings, loan closing, safe deposit box access and IRA withdrawals.

MEMBER RELIEF REQUESTS

Navigator Members who are dealing with financial difficulties as a result of the COVID-19 outbreak can submit a request asking for a review of your situation. Such requests will be handled on an individual basis and relief assistance, if granted, will vary case by case.

Members seeking consideration due to circumstances resulting from the COVID-19 outbreak can request assistance from any Navigator Team Member or call our Member Contact Center at 800-344-3281. Information required includes Member’s name, contact information, account/loan number and brief explanation of the situation.

YOU CAN RELY ON US

Navigator is limiting in-person interactions in our efforts to reduce the potential spread of COVID-19. It’s one more way we’re working in the best interest of our Members!

Original: Monday, March 16, 2020

WHAT WE’RE DOING

Our top priority is keeping our workplace safe and free from infection so we can continue providing services to our Members. Some of the things we’re doing include:

  • Cleaning lobbies, offices and public spaces with increased frequency and thoroughness;
  • Practicing social distancing – maintaining 6 feet from other employees and visitors;
  • Providing hand sanitizer at all locations;
  • Restricting travel that might put employees at risk, including from Branch to Branch and asking all employees to avoid large gatherings;
  • Instructing employees to stay home if not feeling well;
  • Implemented guidelines for frequent hand washing and posted additional reminders;
  • Making disposable gloves available for employees who wish to use them;
  • Limiting in-person employee meetings and placing restrictions on in-person vendor meetings;
  • Testing remote access for employees.

In addition, Navigator’s 81st Annual Shareholder’s Meeting scheduled for Tuesday, March 24, has been cancelled. Results of the election will be made available at a later date.

We’ll continue to evaluate additional measures to support our Members and our communities as needs arise. In addition, Navigator’s comprehensive Business Continuity Plan (BCP) is in place to prepare for any contingency and is being updated to address the current situation. Please continue to watch for emails from us, follow us on social media and check back here for updates.

We want to provide you with uninterrupted service, so please avoid visiting a Branch if you are not feeling well. Instead, take advantage of one or more of the many online, mobile and telephonic ways to manage your accounts.

HOW TO STAY CONNECTED

In an increased effort to keep you safe, we encourage you to use the many ways you can conduct banking and financial transactions remotely, including taking advantage of the many e-Services we offer. Our goal is to provide you with exceptional, uninterrupted service.

Direct Deposit: Your paycheck can be ready and waiting for you in your Navigator checking and/or savings account each payday when you set up direct deposit with your employer.

Debit cards: Having a debit card is the first step to ensuring ready access to your funds. If you don’t already have a debit card, you can get one instantly-issued at any Branch. Your new debit card will automatically activate at 7 p.m. the same day and can be used anywhere VISA® is accepted. If you are not already a Navigator Platinum Rewards cardholder, you may want to consider applying to have additional resources available.

 ‘N Touch Web online banking: A free and easy-to-use alternative to visiting a Branch. You can check balances, transfer funds, make loan payments and more from your desktop or mobile device 24 hours a day.

Navigator Mobile App:  All the features of online banking right on your smart phone. Plus, you can deposit most checks with a click of your camera. Download via Apple Store  or Google Play.

Member Contact Center: You can call Navigator’s Member Contact Center at 800-344-3281, Monday – Friday, 8:30 a.m. - 5 p.m. and Saturday, 8:30 a.m. - 1 p.m. Helpful and friendly Navigator Team Members are just a phone call away and ready to assist you with almost anything you could accomplish by visiting a Branch, including accepting payments and taking loan applications.

‘N Touch Audio: Day or night, you have convenient access to your account information. You can check balances, review account activity, transfer funds and more right from your phone. Learn how to make use of the many features offered at the push of a button through ‘N Touch Audio.

Deposit-capable ATMs: You can deposit cash or checks using one of our deposit-capable ATMs. You can find a full list by clicking here.

ATMs: Navigator Members have access to more than 80,000 surcharge-free ATMs nationwide. To find the closest ATM, click here.

Night Drops: Each Branch has a drive up night deposit box where you can make deposits. The funds will be credited to your designated account the following business day.

Shared Branching: As a member of the CO-OP Shared Branching network, Navigator Members have access to more than 5,000 branches nationwide. These partner branches can serve your banking transactions just like a Navigator Branch. Locate a branch near you.

Online Bill Pay: Navigator offers free online Bill Pay to our Members as part of our ‘N Touch Web online banking services. You never have to worry about having stamps on hand or whether the Post Office is open knowing you can conveniently pay your bills online. You can also view upcoming payments, track payment history and select the date the bill is paid. For details on getting set up, visit this link.

Other Online Services:  Securely apply online for membership and loans anytime using our web portal.

Non-Digital Suggestions: While your debit card is the simplest and most widely used tool for purchasing, here are some offline suggestions when preparing for the unexpected:

  • Checks: If you have a checking account, consider ordering a small quantity of checks to have on hand.
  • Cash: You may want to keep a small amount of cash available for emergencies. It should not be much, as it can be lost or stolen. Your money in your Navigator account is safe and earning interest until you need it.

WHAT YOU CAN DO

Stay informed: For the most up-to-date information on COVID-19, please be sure to visit the Centers for Disease Control and Prevention (CDC) website.  In addition, the Mississippi State Department of Health and the Alabama Department of Public Health are terrific resources for what’s happening in our states.

Follow everyday prevention: There are things you can do to help prevent the spread of respiratory diseases, as outlined by the CDC:

  • Wash your hands often with soap and water for at least 20 seconds, and if soap and water are not available, use an alcohol-based  hand sanitizer;
  • Avoid touching your eyes, nose and mouth with unwashed hands;
  • Avoid close contact with people who are sick;
  • Stay home when you are not feeling well;
  • Cover your mouth and nose with a tissue when you cough or sneeze, then throw the tissue away and wash your hands;
  • Practice social distancing, including avoiding shaking hands and staying away from large public gatherings.

Beware of scams: Fraudsters take advantage of opportunities in times of fear and uncertainty. Watch out for sites that ask for personal information in exchange for medical advice, sites that sell products with false claims and sites posing as charities asking for donations. Remember, Navigator Credit Union will not call you or send you an email asking for your sensitive information. The Federal Trade Commission has some tips to help you avoid scammers looking to take advantage of you at this time of fear and uncertainty.

The National Credit Union Association also offers some good advice as to how you can protected yourself against fraud.

Add Card Valet: Navigator’s free CardValet® is one of the best card management and fraud mitigation tools for debit and credit cardholders. Simply download the free app from the Apple® App Store or Google® Play Store, and then turn off your card when you’re not using it to help prevent fraud and easily turn it on when you’re ready to use it. And real-time alerts keep you informed, putting control of your Navigator debit and credit cards right in your hands.

YOUR FUNDS ARE INSURED

This is a time filled with uncertainties, but something you don’t have to worry about is the security of your funds. Please be assured your deposits are safe. Navigator Credit Union is well-capitalized and financially strong. Plus, your funds are federally insured by the National Credit Union Administration (NCUA) to at least $250,000 per individual depositor and backed by the full faith and credit of the United States Government.

WE’RE HERE FOR YOU

We want to thank you for your support and understanding as we continue to respond to this emerging public health issue. We’re committed to serving our Members and keeping our promises to work in your best interest and help you achieve financial success.

Navigator understands that times like these can be challenging. If you are affected financially due to the COVID-19 (Coronavirus), please let us know, and we’ll talk through your situation to see if there are ways we can help. Whether you need assistance accessing e-Services or want to find out about loan options, the best way to get started is to call the Member Contact Center at 800-344-3281.

We appreciate your membership in Navigator Credit Union; our Members are at the heart of all we do. In this uncertain time, we urge you to take all necessary precautions to protect yourselves and one another.