Can National Trust banks take deposits?

Written by Editorial Team | Last Updated: August 2026

Navy Federal’s policy distinguishes between authorized and unauthorized transactions. According to their Zero Liability policy, they will investigate claims of unauthorized transactions and work to recover funds for transactions you did not make or approve. However, if a third party convinces you to authorize a payment, or if you grant a third party access to your credentials, those transactions are generally considered authorized by you. The Zero Liability policy only covers transactions confirmed by the credit union as truly unauthorized and reported in a timely manner.

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