#  Navy Cash^®^ Overview

[**1.1 Reference Documents 1-1**](#reference-documents)

[1.2 Description of Navy Cash 1-1](#description-of-navy-cash)

[1.3 Navy Cash Financial System Equipment Description
1-2](#navy-cash-financial-system-equipment-description)

[1.4 Planned Maintenance System 1-3](#planned-maintenance-system)

[1.5 Standard Operating Procedure 1-3](#standard-operating-procedure)

[1.6 Navy Cash Enrollment 1-9](#navy-cash-enrollment)

[1.7 Visitors, Guests, and Dependents
1-11](#visitors-guests-and-dependents)

[1.8 Hot List for Lost, Stolen, or Damaged Navy Cash Cards
1-14](#hot-list-for-lost-stolen-or-damaged-navy-cash-cards)

[1.9 Navy Cash: Store-and-Forward Affects Timing of Navy Cash Processing
1-15](#navy-cash-store-and-forward-affects-timing-of-navy-cash-processing)

[1.10 Web and Telephone Purchases Using the Navy Cash Card
1-18](#web-and-telephone-purchases-using-the-navy-cash-card)

## Reference Documents

a.  DOD FMR Volume 5

b.  NAVSUP P486

c.  NAVSUP P487

## Description of Navy Cash

Navy Cash represents an evolution of the Automated Teller Machines
(ATMs)-at-Sea program (ATMS), which began installing ATMs on board ships
in 1988. The Navy Cash card combines chip technology and a magnetic
strip to virtually eliminate the need for Sailors and Marines to carry
cash. The chip-based electronic purse provides for a cashless
environment within the lifelines of the ship. The magnetic strip on the
back of the card provides for pre-paid debit access to the funds in Navy
Cash accounts at more than 23 million MasterCard acceptance locations in
over 210 countries and territories globally and more than 1,000,000 ATMs
in over 120 countries worldwide. To support these transactions, Navy
Cash also provides for electronic access to checking and savings
accounts ashore.

Sailors and Marines continue to have their pay deposited in their bank
and credit union Demand Deposit Accounts (DDAs) through the Navy's
Direct Deposit System (DDS). On board ship, they can use cashless ATMs
to access these accounts electronically to transfer money, as needed,
into their Navy Cash accounts. Navy Cash provides these electronic
banking capabilities, without additional charge to Sailors and Marines,
24 hours a day, seven days a week through store-and-forward, off-line
access to virtually all bank and credit union accounts ashore. Sailors
and Marines who elect the Split Pay Option (SPO) can also have a portion
of their pay sent directly to their Navy Cash accounts each payday.

On the ship, Sailors and Marines use the chip-based electronic purse on
their Navy Cash cards at Point-Of-Sale (POS) terminals for all their
purchases in the ship's store, post office, MWR, general mess, wardroom,
and other "retail" locations throughout the ship, including vending
machines. This cashless environment not only improves service to
customers but also reduces workload aboard ship by automating payment
transactions and eliminating (as nearly as possible) the circulation of
cash.

Off the ship, Sailors and Marines can use the magnetic strip on the back
of their Navy Cash cards to purchase gifts and souvenirs and pay for
meals in restaurants using the Navy Cash card directly. They can also
obtain the cash they need during port visits from the ATMs that are
available in the local area. Overseas, these local ATM transactions
generally provide the best exchange rate for foreign currency.

In support of Navy Cash, a U.S. Department of the Treasury Financial
Agent provides access to virtually all banks and credit unions and
reconciliation and settlement services, thus further reducing workload
and eliminating a large portion of the accountability of the retail
operators and the Disbursing Officer.

The business case analysis of Navy Cash operations on the two initial
prototype ships was positive in every area of the analysis. The NAVSUP
Program Office is budgeted in the POM to replace the oldest ATMs-at-Sea
systems at a rate of about 30 to 35 systems per year and complete the
installation of Navy Cash on all ships with a Disbursing Office by the
end of FY08 and the beginning of FY09. This replacement of all ATM
system components represents a planned replacement cycle as system
equipment reaches the end of its expected service life.

## Navy Cash Financial System Equipment Description

The main hardware components of the Navy Cash Financial System are a
server, from one to four cashless ATMs (K80), POS card readers (K22) at
retail locations throughout the ship, and Card Access Devices *(also
know as Card Accepting Devices)* (CADs) in all vending machines. The
number of ATMs and POS and CAD devices depends on ship class. A sample
Navy Cash Equipment Checklist is included at Appendix G. This checklist
is tailored for each ship as a part of the Navy Cash installation. The
checklist provides an aid to assist in troubleshooting any equipment or
software problems and should also be used to review the status of all
the ship's Navy Cash devices on a periodic basis.

1.  The cluster server itself consists of:

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a.  Two COMPAQ DL380 servers.

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d.  One RAID controller.

e.  Five SCSI II hard drives.

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1.  Each COMPAQ DL380 server consists of:

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a.  Single processor.

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f.  Two Network Interface Cards (NIC) 100/10 MB NIC\
    (Will be upgraded to a Gigabyte-Ethernet card).

g.  Two hard drives.

h.  One CD ROM drive.

i.  One Floppy drive.

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2.  The following software is installed on each server node:

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a.  Windows NT or Windows 2000.

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j.  Microsoft Cluster Server.

k.  Oracle 8.

l.  Microsoft Cluster Server Toolkit.

m.  Navy Cash Listener / Parser.

n.  Navy Cash Proxy.

o.  Disbursing Application.

p.  Legato (Windows NT) or Veritas (Windows 2000) Backup utility.

## Planned Maintenance System

Preventive maintenance for the Navy Cash Financial System is covered
through the Planned Maintenance System (PMS). PMS information for Navy
Cash is available from the ship's Maintenance and Material Management
(3-M) Coordinator. Maintenance Index Page (MIP) number 6541/080-14
applies to Navy Cash. In particular, proper cleaning of the card readers
can significantly reduce the incidents of card readers failing to read
the Navy Cash card.

## Standard Operating Procedure

1.  SOP OBJECTIVES

The Navy Cash Financial System is designed to provide a cashless
alternative for all money-based transactions performed on board ship.
This Standard Operating Procedure (SOP) stipulates the procedures
necessary to perform Navy Cash transactions within the various shipboard
functional areas. This SOP augments existing procedures. It should be
understood that Navy Cash does not affect non-monetary procedures, which
continue to have their full force and effect. Neither does Navy Cash
eliminate the need for maintaining existing money-handling procedures
for contingency operations in the unlikely event that Navy Cash
experiences a catastrophic failure and ceases to function.

3.  NAME OF PREPARING ORGANIZATION

Naval Supply Systems Command, Navy Family Support Mechanicsburg, Navy
Cash Program Office (NAVSUP NFS 56).

4.  EXPECTED LIFE OF THE STANDARD OPERATING PROCEDURE

This SOP is effective throughout the life of the Navy Cash Financial
System or as long as the system remains installed on board ship.
Ultimately, these procedures will be incorporated into existing Navy
publications and instructions that govern the various functional
processes affected by Navy Cash, e.g., DOD FMR Vol. 5, NAVSUP
Publications P485, P486, and P487. The Navy Cash Financial System SOP
has been assigned NAVSUP Publication Number 727.

5.  ROLES, RESPONSIBILITIES, AND AUTHORITY

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a.  Program Director (SUP NFS 56) Marlene HIggins\
    Tel: (717) 605-5187\
    e-mail: marlene.higgins@navy.mil

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q.  Program Manager (SUP NFS 56C) Mary Rivers\
    Tel: (717) 605-5270\
    e-mail: mary.rivers@navy.mil

r.  Operations Manager (SUP NFS 56J) Bill Lingle\
    Tel: (717) 605-7579\
    e-mail: william.lingle@navy.mil

s.  Logistics Manager (SUP NFS 56P) Edie Johnston\
    Tel: (717) 605-2771\
    e-mail: edie.johnston@navy.mil

t.  Fleet Support Group Norfolk Bill Freeman\
    Tel: (757) 443-1189\
    e-mail: william.r.freeman@navy.mil\
    \
    DKC Gerardo Guillermo\
    Tel: (757) 443-1203\
    e-mail: gerardo.guillermo@navy.mil

u.  Fleet Support Group San Diego Arsenio "RC" Vergara\
    Tel: (619) 556-6493\
    e-mail: arsenio.vergara@navy.mil\
    \
    DKCS Delsol Cabrera\
    Tel: (619) 556-1671\
    e-mail: delsol.cabrera@navy.mil

v.  NEXCOM Ship's Store Program Mr. Charles H. Vaughan\
    Tel: (757) 502-7474\
    e-mail: charles_vaughan@nexnet.navy.mil\
    \
    Mr. Gene Hoffman\
    Tel: (757) 502-7472\
    e-mail: gene_hoffman@nexnet.navy.mil

w.  Fleet Assistance Teams Refer to NAVSUP P487, paragraph 1004, for
    telephone numbers and e-mail addresses for ship's store teams in
    each geographical area.

x.  System Support U.S. Treasury Financial Agent,\
    JPMorgan Chase Bank, N.A.\
    Hotline Number/Customer Service Center:\
    \
    [For Card Holders]{.underline}:\
    1 (866) 3NAVYCASH\
    1 (866) 362-8922\
    Web site: www.navycash.com\
    e-mail: navycash@ezpaymt.com\
    \
    [For Disbursing Offices]{.underline}:\
    1 (866) 6NAVYCASH\
    1 (866) 662-8922\
    Web site: www.navycashcenter.com\
    e-mail: navycashcenter@ezpaymt.com\
    navycashfin@ezpaymt.com *(EOM only)*\
    \
    Fax:\
    1 (866) CHASE01\
    1 (866) 242-7301

y.  Global Distance Support Center (GDSC)

The Navy Cash Customer Service Center can also be reached through the
GDSC, which is also known as "One Touch". The telephone numbers for the
GDSC are:

Commercial: 1 (877) 4-1-TOUCH Cardholders:\
1 (877) 418-6824 Press 6, then 2

DSN: 510 4-2-TOUCH Disbursing / Merchants:\
510 428-6824 Press 6, then 3

The 1-877 number should be used for worldwide toll-free access from the
United States, Japan, Germany, England, Italy, and Spain from activities
ashore or ships in port and can be used when aboard ships at sea that
have the capability and connectivity.

The DSN number should be used for toll-free access from all other
countries from activities ashore or ships in port and can be used when
aboard ships at sea that have the capability and connectivity.

6.  SOP COORDINATION

This SOP has been coordinated with FISC Norfolk, FISC San Diego, DFAS
Cleveland, Navy Exchange Services Command (NEXCOM) Ship's Store Program,
NAVPERS 65 (MWR), NAVSUP NFS 51, NAVSUP NFS 56, Field Examination Groups
(FEGs), and ship, TYCOM, and Fleet staffs.

7.  SOP VALIDATION/TESTING

Lessons learned are incorporated into revised versions of the SOP on a
continuing basis.

8.  SOP APPROVAL

This SOP was prepared and approved by the NAVSUP NFS Navy Cash Program
Office.

9.  SOP REVIEW AND REVISION

This SOP will be reviewed at least semi-annually by the ATMs-at-Sea
Program Office and revised on a regular basis.

10. LIST OF ACRONYMS AND DEFINITIONS

> ACB Automated Contract Bulletin
>
> ACH Automated Clearing House
>
> ADNS Automated Digital Network System
>
> AMPS Automated Military Postal System
>
> APDS All Purpose Date Stamp
>
> ASL Automated SSAC Listing
>
> ATM Automated Teller Machine
>
> ATMS Automated Teller Machines-at-Sea program
>
> BIN Bank Identification Number
>
> BUPERS Bureau of Naval Personnel
>
> CAD Card Access Device *(also known as Card Accepting Device)*
>
> Chip Miniaturized circuit card embedded in the Navy Cash card that
> processes e-purse transactions (often synonymous with e-purse)
>
> CO Commanding Officer
>
> COOP Continuity Of Operations Plan
>
> COPE Custodian of Postal Effects
>
> CPO Chief Petty Officer
>
> DDA Demand Deposit Account
>
> DDE Dynamic Data Exchange
>
> DDS Direct Deposit System
>
> DFAS Defense Finance and Accounting Service
>
> DISBO Disbursing Officer
>
> DMM Domestic Mail Manual
>
> DOD FMR Department of Defense Financial Management Regulations
>
> DSI Direct Settlement Interface
>
> DSN Defense Switched Network
>
> DSSN Disbursing Station Symbol Number
>
> DV Distinguished Visitor
>
> EFT Electronic Funds Transfer
>
> EOD End Of Day
>
> EOM End Of Month
>
> EPOS Electronic Point-Of-Sale
>
> E-purse Miniaturized circuit card embedded in the Navy Cash card that
> holds the programming to process financial transactions (synonymous
> with chip)
>
> FDNF Forward Deployed Navy Forces
>
> FEG Field Examination Group
>
> FISC Fleet and Industrial Supply Center
>
> FRB Federal Reserve Bank
>
> FSMIS Food Service Management Information System
>
> FSO Food Service Officer
>
> GDSC Global Distance Support Center, also known as "One Touch"
>
> GMT Greenwich Mean Time (Navy Cash "clock" is set to GMT/UTC)
>
> Hot list List of Navy Cash cards (accounts) that have been reported
> lost or stolen to the Navy Cash system. A card on the hot list is
> rendered inoperable.
>
> IEOD Indicate End Of Day (EOD)
>
> ISNS Integrated Shipboard Network System
>
> ISO International Standards Organization
>
> K22 Handheld Navy Cash card reader device used to record sales
> transactions. Operated in the online or offline modes.
>
> K80 Cashless ATM device permanently mounted on board ship and used by
> Navy Cash cardholders to perform various financial transactions.
>
> LAN Local Area Network
>
> LCD Lighted Crystal Display
>
> LOA Line Of Accounting
>
> LSC Logistics Support Center
>
> LSR Logistics Support Representative
>
> MICR Magnetic Ink Character Recognition
>
> MMPA Master Military Pay Account
>
> MPSA Military Postal Service Agency
>
> MSO Merchant Sales by Operator (a type of Navy Cash application
> report)
>
> MWR Morale, Welfare, and Recreation
>
> NAVPERS Navy Personnel Command
>
> NAVCOMPT Navy Comptroller
>
> NAVSUP Naval Supply Systems Command
>
> NEXCOM Navy Exchange Services Command
>
> NFS Navy Family Support
>
> NIC Network Interface Card
>
> NOC Network Operations Center
>
> NSF Non Sufficient Funds
>
> NWCF Navy Working Capital Fund
>
> OMM Official Mail Manager
>
> ORF Official Representation Funds
>
> OSI Operating Space Item
>
> PAR Postal Accounting Report
>
> PIN Personal Identification Number
>
> PMS Planned Maintenance System
>
> POS Point Of Sale
>
> PRNOC Pacific Region Network Operations Center
>
> PVI Postage Validation Imprinter
>
> RIC Routing Identification Code
>
> ROM Resale Operations Management
>
> SAM Secure Access Module
>
> SASR Safe Audit Summary Report
>
> SATCOM Satellite Communications
>
> SIK Subsistence In Kind
>
> SIMA Shore Intermediate Maintenance Activity
>
> SODA Statement Of Deposit Activity
>
> SOP Standard Operating Procedure
>
> SPO Split Pay Option
>
> SSAC Ship's Store Afloat Catalog
>
> SSEC Ship's Store Electronic Catalog
>
> SSN Social Security Number
>
> SSPN Ship's Store Profits Navy
>
> TFA Treasury Financial Agent
>
> TYCOM Type Commander (ship type)
>
> UARNOC Unified Atlantic Region Network Operations Center
>
> UMIDS Uniform Microcomputer Disbursing System
>
> USPS United States Postal Service
>
> UTC Coordinated Universal Time (Navy Cash "clock" is set to UTC/GMT)

## Navy Cash Enrollment

1.  BACKGROUND

Navy Cash cards replace bills and coins for personal financial
transactions at all retail locations on board ship. Sailors and Marines
must have Navy Cash cards to pay for purchases at the ship's store,
vending machines, and the post office, for example. Cash is only
accepted at these retail locations on an exception basis, e.g., from
guests on board the ship for only a short time. Sailors and Marines on
board ship are still able to obtain U.S. currency at the disbursing
office.

Each member of the crew is enrolled in the Navy Cash program and issued
a Navy Cash card, either as part of the initial bulk enrollment prior to
installation of Navy Cash on board the ship, or at the disbursing office
if an individual reports to the ship after the bulk enrollment is
completed. Navy Cash orientation training is provided as a part of the
enrollment process.

The Navy Cash card combines chip technology and a magnetic strip to
virtually eliminate the need for Sailors and Marines to carry cash. On
board ship, Navy Cash cards can be used at cashless ATMs 24 hours a day,
seven days a week to access bank or credit union accounts electronically
and transfer money as needed into Navy Cash accounts. The chip-based
electronic purse is used for all purchases on board ship. On liberty
ashore, the magnetic strip can be used for pre-paid debit access to Navy
Cash accounts to obtain local currency at 32 million locations globally
and over 900,000 ATMs in over 120 countries worldwide. There are three
types of Navy Cash cards .

a.  PERMANENT NAVY CASH CARDS provide access to all Navy Cash
    capabilities. They are embossed at the card manufacturing facility
    with the individual account-holder's name and account number and
    mailed to the individual.

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z.  TEMPORARY NAVY CASH CARDS also provide access to all Navy Cash
    capabilities. However, they are embossed with 'NAVY CARDHOLDER' and
    an account number. These Navy Cardholder cards are pre-embossed at
    the card manufacturing facility and are held by the Disbursing
    Officer. They are issued to newly reporting personnel or to replace
    a lost, stolen, or damaged card until a permanent Navy Cash card can
    be embossed at the card manufacturing facility and mailed to the
    individual.

a.  VISITOR NAVY CASH CARDS are chip-only cards. They are issued by the
    disbursing office and are intended only to make purchases on the
    ship. They do not have a Navy Cash account associated with them.
    They do not have a magnetic strip. They cannot be used for purchases
    ashore or to access commercial ATMs off the ship. They are issued
    primarily to visitors as required and should be cashed out and
    turned in when the visitor departs and reissued to another visitor.
    Visitor Navy Cash cards can also be issued as temporary replacements
    for lost, stolen, or damaged Permanent Navy Cash cards.

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11. BULK ENROLLMENT

Prior to installing Navy Cash on board a ship, the entire crew is
enrolled in the Navy Cash program and issued Permanent Navy Cash cards.
It is highly recommended that everyone enroll in the Navy Cash program.
Crewmembers must provide personal information on special Navy Cash
enrollment forms provided by the disbursing office and must acknowledge,
by their signature, the Non-Sufficient Funds (NSF) procedures and
electronic funds transfer policies. The bank or credit union account
information on the enrollment form allows Navy Cash accounts to be
linked to each crewmember's checking or savings account and enables the
transfer of funds to and from the Navy Cash account. Crewmembers
authorize, by their signature, debits and credits to their bank or
credit union accounts at their request using Automated Clearing House
(ACH) transactions, e.g., when requesting a transfer of funds at the K80
Cashless ATM. The information entered on the enrollment forms is entered
into the Navy Cash system database ashore to establish each crewmember's
Navy Cash account and to initiate issue of Permanent Navy Cash cards. A
hardcopy of the signed Navy Cash enrollment form is held on file until
the crewmember transfers or leaves the Navy. A more detailed discussion
of basic bulk enrollment procedures is contained in Appendix H.

Providing bank or credit union information is optional when enrolling in
Navy Cash. An individual can elect not to provide this information but
can still be issued a Navy Cash Debit MasterCard^^ with a magnetic
strip and an associated Navy Cash account. Individuals who choose this
option can still fund their Navy Cash accounts by electing the Split Pay
Option (SPO). Each payday, the amount of their split pay payroll is
forwarded either by DFAS Cleveland for the Navy or by the Marine
Disbursing Officer for the Marine Corps to the Treasury Financial Agent
to plus up their Navy Cash accounts.

Individuals whose check cashing privileges aboard ship have been
suspended can be enrolled with access to their home bank or credit union
accounts blocked until the ship decides to restore their privileges.
Procedures for unblocking access are found in Chapter 8, Disbursing,
paragraph 8.8.2. The Supply Officer or Disbursing Officer provides a
list of any individuals in this category to the Treasury Financial
Agent, JPMorgan Chase, during the bulk enrollment process.

12. NORMAL ENROLLMENT

After the initial bulk enrollment is completed, a person who reports to
the ship can be enrolled in the Navy Cash program at the disbursing
office. The Navy Cash application includes an on-screen enrollment form
that enables disbursing office personnel to enter the information needed
to enroll new crew members (see paragraph 8.4.20 of this SOP). The
enrollment information is then forwarded to the Navy Cash backend
ashore, where the new member is enrolled in the program and action is
initiated to produce a Permanent Navy Cash card. The personalized card
is shipped to the appropriate Logistics Support Representative (LSR) for
forwarding to the ship, normally within 7 to 10 days.

Ships in homeports or operating in local OPAREAS can enroll new
personnel without assigning them a temporary Navy Cash card. Visitor
cards can be issued for use until new permanent cards are delivered to
the ship. Visitor cards can be used for a short period without
significant inconvenience. If necessary, for individuals whose
enrollments in Navy Cash have been completed ashore and who are waiting
on delivery of new cards, split pay can be transferred to the chip on
the visitor card using the Navy Cash application (see paragraph 8.4.8).

When deployed away from homeport for an extended period, delivery of new
permanent Navy Cash cards via mail can take several weeks. Temporary
Navy Cash cards ensure individuals have immediate access to all Navy
Cash capabilities, for example, transferring funds on the ship to the
chip or Navy Cash (strip) account from bank or credit union account
ashore. During extended deployments, the Disbursing Officer can enroll
new personnel and assign them a temporary Navy Cash card whenever it is
considered necessary.

Whether issued a visitor or a temporary card, a new crewmember can load
the chip on the card at the disbursing office immediately by writing a
personal check or converting cash, and the card can then be used for
purchases on the ship. As soon as a newly issued temporary card is
properly registered within the Navy Cash system database ashore and the
database on the ship is updated from shore, normally within 24 to 48
hours, the card can also be used to transfer funds at Navy Cash cashless
ATMs on board ship and to obtain currency at ATMs ashore and make
purchases at merchants ashore. The visitor or temporary card can be used
until the permanent Navy Cash card arrives, at which time the visitor or
temporary card should be returned to the disbursing office.

## Visitors, Guests, and Dependents

Navy ships frequently host guests or other visitors for a variety of
reasons. For example, Distinguished Visitors (DVs) and Navy and civilian
personnel come to the ship to conduct inspections or accomplish other
business. Shipyard and other maintenance personnel are on the ship to
repair and update systems. DVs, scout groups, school groups, and others
are given tours of the ship. Large-deck ships, particularly the CVs/CVNs
and LHAs/LHDs, have guests on board nearly every day, and often in large
numbers.

Under Navy Cash, visitors, guests, and dependents who are on the ship
for only a few hours or for the day can buy things in the ship's store,
such as snacks, drinks, souvenirs, and emblematic items, or pay for
meals in the General Mess or Wardroom, for example, using cash or
checks, as they have in the past. But, cash sales should be the
exception to accommodate visitors that are only going to be on the ship
for a short time.

Members of ship's company should not be allowed to use cash on board
ship. If a member of the crew has \$5 in his/her pocket, he/she can go
to the disbursing office to convert that \$5 into electronic cash on the
Navy Cash card and then spend it wherever he/she wants on the ship.

Guests who are going to be on the ship for longer periods can be issued
a chip-only Visitor Navy Cash card when they check on board. Just as
they must stop by a berthing office to be assigned a place to sleep,
these guests should go to the disbursing office to write a personal
check or provide cash to convert into electronic cash on the chip on
their Visitor Navy Cash cards. At the end of their stay on board, these
guests should return to the disbursing office to receive cash for the
value remaining on their Visitor Navy Cash cards and to turn in their
cards. The Visitor cards can then be reused for other guests. Industry
technical representatives and other personnel who make repeated trips to
ships can retain their Visitor Navy Cash cards or enroll in the Navy
Cash program and receive Permanent Navy Cash cards.

Procedures for the sale of meals with and without Navy Cash cards are
covered in Chapter 3, General Mess, and Chapter 4, Private Messes, of
this SOP. Procedures for issuing Visitor Navy Cash cards and for cashing
out and returning these cards are covered in Chapter 8, Disbursing.

The following table provides examples of how visitors, guests, and
dependents can be accommodated on board ships equipped with Navy Cash.
These instances are examples only, and each ship must develop its own
policy and procedures. There is additional workload for ship's store and
disbursing personnel, for example, in handling cash in what would
otherwise be a cashless environment, and the ship must make its own
judgment that the level of service provided or the additional revenue
and profit are worth the additional effort. In making their decision,
the ship should also consider that some functions, such as ship's store
and disbursing, are well equipped to handle both cash and Navy Cash with
existing equipment, policy, and procedures, while others, such as post
office, might be better served maintaining a completely cashless
operation.

Visitor cards are relatively expensive, but they are reusable, and every
effort should be made to recover these cards from visitors before they
leave the ship. The Navy Cash Card Issue Log shall be used to document
each card issued and turned in (see paragraph 8.3.1). When a card is
turned in, all value remaining on the card must be cashed out (see
paragraph 8.4.9). *If not cashed out any value remaining on a card after
it has been turned in will be handed over to Treasury and cannot be
recovered.*

+---------+---------+---------+---------+---------------------------+
| **      | **Room  | **      | **Ve    | **Payment Type**          |
| Guest** | /\      | Retail\ | nding** |                           |
|         | Meals** | **      |         |                           |
|         |         | *Ship's |         |                           |
|         |         | Store,  |         |                           |
|         |         | etc.*   |         |                           |
+=========+=========+=========+=========+===========================+
| Disting | One or  | Guest\  | None    | Navy Cash card not        |
| uished\ | two     | P       |         | required. Pay with check  |
| Visitor | meals   | ackage\ |         | at Wardroom Office (still |
| (DV)    |         | *ball   |         | a "cashless"              |
|         |         | cap,    |         | transaction).             |
| *Shor   |         | spirit  |         |                           |
| t-term* |         | pin,    |         | Alternatively, DV could   |
|         |         | etc.*\  |         | be presented with         |
|         |         | or\     |         | permanent Navy Cash card  |
|         |         | Occ     |         | prior to visit. Load      |
|         |         | asional |         | value on card using K80   |
|         |         | pu      |         | Cashless ATM or at        |
|         |         | rchases |         | Disbursing.               |
+---------+---------+---------+---------+---------------------------+
| DV      | One or  | Occ     | Occ     | Navy Cash card not        |
| Groups\ | two     | asional | asional | required. Exception to    |
| Tour    | meals   | pur     | pu      | cashless rule. Collect    |
| Groups  |         | chases\ | rchases | cash using existing       |
|         |         | or\     |         | procedures.               |
| *Shor   |         | Guest\  |         |                           |
| t-term* |         | P       |         | Alternatively, pre-loaded |
|         |         | ackage\ |         | Navy Cash visitor cards   |
|         |         | *ball   |         | given to escort(s) to pay |
|         |         | cap,    |         | for purchases at retail   |
|         |         | spirit  |         | locations and vending.    |
|         |         | pin,    |         | Group settles at end of   |
|         |         | etc.*   |         | visit by paying           |
|         |         |         |         | equivalent amount with    |
|         |         |         |         | check at Disbursing.      |
+---------+---------+---------+---------+---------------------------+
| Any     | One or  | None    | None    | Navy Cash card not        |
| Guest\  | two     |         |         | required. Pay with check  |
| Meals   | meals   |         |         | at Wardroom Office,       |
| Only    |         |         |         | Chiefs Mess, or Food      |
|         |         |         |         | Service Office as         |
| *Shor   |         |         |         | appropriate.              |
| t-term* |         |         |         |                           |
|         |         |         |         | Alternatively, sponsor    |
|         |         |         |         | pays for meals using Navy |
|         |         |         |         | Cash card at Wardroom     |
|         |         |         |         | Office, Chiefs Mess, or   |
|         |         |         |         | Food Service Office as    |
|         |         |         |         | appropriate.              |
+---------+---------+---------+---------+---------------------------+
| Any     | One or  | Occ     | Occ     | Issue Navy Cash visitor   |
| Guest   | two     | asional | asional | card at Disbursing. Load  |
|         | meals   | pu      | pu      | card at Disbursing.       |
| *Shor   |         | rchases | rchases | Return to Disbursing to   |
| t-term* |         |         |         | cash out card. Disbursing |
|         |         |         |         | retains card for later    |
|         |         |         |         | reuse.                    |
+---------+---------+---------+---------+---------------------------+
| Regular | Occ     | Occ     | Regular | Issue Navy Cash visitor   |
| Guest   | asional | asional | pu      | card at Disbursing.       |
| or      | meal    | pu      | rchases | Retain card for           |
| Con     |         | rchases |         | subsequent visits. Load   |
| tractor |         |         |         | card at Disbursing.       |
|         |         |         |         | [Or]{.underline}, sign up |
| *Shor   |         |         |         | for permanent Navy Cash   |
| t-term* |         |         |         | card, which can be loaded |
|         |         |         |         | using K80 Cashless ATM or |
|         |         |         |         | at Disbursing.            |
+---------+---------+---------+---------+---------------------------+
| A       | Room    | Occ     | Regular | Issue Navy Cash visitor   |
| ircrew\ | and     | asional | pu      | card at Disbursing. Load  |
| or      | meals   | pu      | rchases | card at Disbursing.       |
| Other   | for     | rchases |         | Regular visitors can      |
| Pe      | one,    |         |         | retain card for next      |
| rsonnel | two, or |         |         | visit [or]{.underline}    |
| on      | more    |         |         | sign up for permanent     |
| Board   | days    |         |         | Navy Cash card, which can |
| for     |         |         |         | be loaded using K80       |
| T       |         |         |         | Cashless ATM or at        |
| raining |         |         |         | Disbursing. Other         |
|         |         |         |         | visitors return card to   |
| *Mediu  |         |         |         | Disbursing to cash out    |
| m-term* |         |         |         | card. Disbursing retains  |
|         |         |         |         | card for later reuse.     |
+---------+---------+---------+---------+---------------------------+
| Large   | Room    | Regular | Regular | Navy Cash card not        |
| Groups  | and     | pu      | pu      | required. Exception to    |
|         | meals   | rchases | rchases | cashless rule. Pay with   |
| *Mediu  | for     |         |         | check at Wardroom Office, |
| m-term* | m       |         |         | Chiefs Mess, or Food      |
|         | ultiple |         |         | Service Office as         |
|         | days    |         |         | appropriate. Collect cash |
|         |         |         |         | using existing procedures |
|         |         |         |         | at ship's store and       |
|         |         |         |         | selected "cash only"      |
|         |         |         |         | vending machines or       |
|         |         |         |         | vending machines that     |
|         |         |         |         | take both cash and Navy   |
|         |         |         |         | Cash. Vending machines    |
|         |         |         |         | can be reset for Navy     |
|         |         |         |         | Cash only operations when |
|         |         |         |         | large group departs.      |
+---------+---------+---------+---------+---------------------------+
| TAD     | Room    | Regular | Regular | Issue Navy Cash visitor   |
| Per     | and     | pu      | pu      | card at Disbursing. Load  |
| sonnel, | meals   | rchases | rchases | card at Disbursing.       |
| Guests, | for     |         |         | Regular visitors can      |
| and     | m       |         |         | retain card for next      |
| Cont    | ultiple |         |         | visit [or]{.underline}    |
| ractors | days    |         |         | sign up for permanent     |
|         |         |         |         | Navy Cash card, which can |
| *Lon    |         |         |         | be loaded using K80       |
| g-term* |         |         |         | Cashless ATM or at        |
|         |         |         |         | Disbursing. Other         |
|         |         |         |         | visitors return card to   |
|         |         |         |         | Disbursing to cash out    |
|         |         |         |         | card. Disbursing retains  |
|         |         |         |         | card for later reuse.     |
+---------+---------+---------+---------+---------------------------+
| Pier /  | None    | Ship's  | None    | Large number of           |
| Hanger  |         | Store   |         | short-term visitors Navy  |
| Sales   |         | pu      |         | Cash card not required.   |
|         |         | rchases |         | Exception to cashless     |
|         |         |         |         | rule. Collect cash using  |
|         |         |         |         | existing procedures.      |
+---------+---------+---------+---------+---------------------------+
| Sh      | None    | None    | Regular | Navy Cash card not        |
| ipyard, |         |         | pu      | required. Exception to    |
| SIMA,   |         |         | rchases | cashless rule. Collect    |
| or      |         |         |         | cash at selected "cash    |
| Other   |         |         |         | only" vending machines    |
| Sho     |         |         |         | using existing            |
| rt-Term |         |         |         | procedures. Vending       |
| Guests  |         |         |         | machines can be reset for |
| When in |         |         |         | Navy Cash card operations |
| Port    |         |         |         | when at sea.              |
+---------+---------+---------+---------+---------------------------+

## Hot List for Lost, Stolen, or Damaged Navy Cash Cards

The Navy Cash card is electronic money and must be treated like cash. If
it is lost or stolen, the maximum that can be lost from the chip is
\$25---as long as the Personal Identification Number (PIN) is protected.
If other people know the PIN, all the funds on the card could be lost,
as could funds in the card owner's bank or credit union account. To
limit their loss in the event of a lost or stolen card, cardholders must
report lost, stolen, or damaged cards to the disbursing office
immediately. When a cardholder is unable to contact the disbursing
office immediately, e.g., on leave away from the ship, he or she should
immediately notify the Navy Cash Customer Service Center of the lost,
stolen, or damaged card. A telephone call is the preferred way to notify
the Customer Service Center, but e-mail notification is also acceptable.
The telephone number for the Customer Service Center is printed on the
back of the permanent and temporary Navy Cash cards. The telephone
numbers and e-mail addresses of the Customer Service Center are
contained in paragraphs 1.5.4.i and j of this SOP.

Navy Cash safeguards a cardholder's electronic funds in three ways.
First, a PIN, known only to the individual cardholder, is associated
with each Navy Cash card. The PIN prevents an unauthorized user from
withdrawing money or making a purchase. Should someone obtain a
cardholder's card and attempt to determine the PIN by trial and error,
the card is "blocked" after three consecutive, unsuccessful attempts to
enter the correct PIN. Once a card is blocked, it must be taken to the
disbursing office to be unblocked. Additionally, ten consecutive
incorrect PIN entries results in the card being permanently blocked, at
which time it must be taken to the disbursing office to be replaced.
Second, after an individual reports his or her card lost or stolen to
the disbursing office or the Navy Cash Customer Service Center, the card
is "hot listed". All online devices receive the hot list and start
looking for the card. When the lost or stolen card is inserted, the
device permanently blocks the card. This prevents anyone from using the
card even if they have the PIN. Third, for vending machine purchases on
board ship, a PIN is not required, so Navy Cash limits vending machine
purchases to a total of \$25 on the electronic purse before the PIN is
required to reset the counter and allow continued spending. However,
once a card is reported lost or stolen and the CADs in the vending
machines have received the hot list, the CADs permanently block the card
if it is inserted.

The balance that was on the chip of a lost or stolen permanent or
temporary card at the close of the business day it was reported lost,
stolen, or damaged is transferred automatically to the cardholder's Navy
Cash account. For the return of funds on a lost, stolen, or damaged
visitor card, see paragraph 8.4.15,

To replace a lost, stolen, or damaged card, the disbursing office issues
the crewmember a temporary "NAVY CARDHOLDER" card or Visitor Navy Cash
card and initiates the issue of a new Permanent Navy Cash card by the
Navy Cash system ashore. The crewmember can load this Visitor card
immediately at the disbursing office by writing a personal check or
converting cash, and the card can then be used for purchases on the ship
until the Permanent replacement Navy Cash card arrives in the mail and
is activated.

## Navy Cash: Store-and-Forward Affects Timing of Navy Cash Processing

Navy Cash depends on ship-to-shore satellite communications. To keep
communications demands to a minimum, Navy Cash was designed to work on a
store-and-forward basis---a day's worth of transactions are generally
transmitted ashore once each day at the end of the business day. This
store-and-forward design affects the time that Navy Cash transactions
are processed, both on the ship and on the shore.

[Home Account to Navy Cash Transfers]{.underline}. If cardholders
transfer money from their home bank or credit union account to their
Navy Cash (strip) account at the K80 Cashless ATM, the funds are
available for use on the ship immediately, as soon as they transfer
value from their Navy Cash account to the chip. The funds will generally
be available ashore the next day, if the ship completes its end-of-day
processing between ship and shore. For this reason, it's important to
stage funds to their Navy Cash account in advance, so the funds will be
available when they want to use their Navy Cash Debit MasterCard^®^
ashore. However, Automated Clearing House (ACH) transactions, which Navy
Cash uses, are only processed Sunday through Friday at 10:00 PM (8:00 PM
on Sunday) Eastern Time by the Federal Reserve system. When they
transfer money from their bank or credit union account Sunday through
Friday, the transaction will generally be posted to their home account
within 48 hours. If they transfer money on a Saturday, the transaction
will generally not be posted to their home account until Tuesday.

[Navy Cash to Home Account Transfers]{.underline}. The same is true if
they transfer money from their Navy Cash account back to their home bank
or credit union account. When they transfer money Sunday through Friday,
the funds will generally be available in their home account within 48
hours, if the ship completes its end-of-day processing. If they transfer
money on a Saturday, the funds will generally not be available in their
home account until Tuesday.

[Chip to Navy Cash Transfers]{.underline}. If they transfer money from
their chip to their Navy Cash (strip) account, the new balance in their
Navy Cash account is reflected on the ship immediately, but the funds
won't be available ashore until the next end-of-day processing is
completed between ship and shore. Again, it's important to stage funds
to their Navy Cash account in advance, so the funds will be available
ashore when they need them.

[Use of Navy Cash Funds Ashore]{.underline}. If they use their Navy Cash
Debit MasterCard^®^ feature ashore, either to get cash at an ATM or to
purchase something at a restaurant or store, the new balance in their
Navy Cash account is reflected ashore immediately, but it won't be
reflected on the ship until the next end-of-day processing is completed
between ship and shore.

[PIN Changes]{.underline}. If they change their PIN on the ship, the new
PIN is effective on the ship immediately and will generally be effective
ashore the next business day, but only if the end-of-day processing has
been completed between ship and shore. In the interim, the old PIN is
still valid ashore.

[Split Pay]{.underline}. Split Pay is normally processed ashore and
posted to their Navy Cash account the day before pay day so the funds
are available on the ship on pay day. Split pay funds are available for
use ashore as soon as they are posted to their Navy Cash account.
However, if shipboard communications are down on pay day, the split pay
payroll information from shore can't be received on the ship. The
Disbursing Officer has the option to run a provisional Split Pay Option
(SPO) payroll on the ship. Cardholders who are enrolled in SPO can be
given a "provisional credit" in the amount of their SPO payroll amounts.
The Navy / Marine Cash system on the ship keeps the previous SPO payroll
amounts as a part of each cardholder's profile information and provides
the Disbursing Officer the ability to update the SPO payroll amounts.
Even when the Navy / Marine Cash system cannot communicate with the
shore side, DFAS Cleveland still sends the actual Navy split pay file to
the Navy / Marine Cash back end ashore for processing. When
communications are restored, the Navy / Marine Cash system synchronizes
Navy / Marine Cash accounts between ship and shore and reconciles Navy /
Marine Cash accounts on the ship so they reflect the correct balances.

The following table summarizes the information detailed above.

  -------------------- ----------------------------- ---------------------
  **Transaction Type** **Aboard Ship**               **Ashore**

  Funds transfer from\ Funds available               Funds available next
  bank or credit union immediately.[^1]              day.[^2]\
  ashore\                                            Transaction posted to
  *Sunday through                                    home account within
  Friday*                                            48 hours.

  Funds transfer from\ Funds available               Funds available next
  bank or credit union immediately.^1^               day.^2^\
  ashore\                                            Transaction posted to
  *Saturday*                                         home account by
                                                     Tuesday.

  Funds transfer to\   New Navy Cash account         Funds available\
  bank or credit union balance\                      within 48 hours.^2^
  ashore\              reflected immediately.        
  *Sunday through                                    
  Friday*                                            

  Funds transfer to\   New Navy Cash account         Funds available by
  bank or credit union balance\                      Tuesday.^2^
  ashore\              reflected immediately.        
  *Saturday*                                         

  Funds transfer from\ Funds available on chip       New Navy Cash account
  Navy Cash account to immediately.\                 balance reflected
  chip                 New Navy Cash account and     next day.[^3]
                       chip\                         
                       balances reflected            
                       immediately.                  

  Funds transfer from\ New Navy Cash account and     Funds available next
  chip to Navy Cash    chip\                         day.^3^
  account              balances reflected            
                       immediately.                  

  Navy Cash Debit      New Navy Cash account         New Navy Cash account
  MasterCard^®^ at ATM balance\                      balance reflected
  or merchant ashore   reflected next day.^3^        immediately.

  PIN change           New PIN effective             New PIN effective
                       immediately.                  next day.^3^\
                                                     *Use old PIN in
                                                     interim.*

  Split pay\           Funds available as soon as    Funds available as
  *Shipboard comms     ship completes\               soon as\
  "up"*                end-of-day between ship and   split pay payroll
                       shore.[^4]                    posted.[^5]

  Split pay\           Ship can't receive payroll    Funds available as
  *Shipboard comms     update. Disbursing Officer    soon as\
  "down"*              has option to run provisional split pay payroll
                       payroll on ship. Cardholders  posted.^5^
                       enrolled in SPO given         
                       "provisional credit" in       
                       amount of payroll. When comms 
                       restored, system synchronizes 
                       accounts between ship and     
                       shore and reconciles accounts 
                       on ship so they reflect       
                       correct balances.             
  -------------------- ----------------------------- ---------------------

## Web and Telephone Purchases Using the Navy Cash Card

The Navy Cash Debit MasterCard^^ can be used to pay for things ordered
over the phone or at a web site. The things that are ordered can be
shipped to almost any address, but, when the merchant asks for a billing
address, the correct address is the ship's mailing address because
that's the billing address that's been entered in the MasterCard^^ data
base for the Navy Cash cards. To protect against fraudulent use of lost
and stolen debit and credit cards, many merchants and their financial
networks compare the billing address given by the customer against the
billing address registered in the data base. These addresses may need to
be the same before they will approve the transaction.

[^1]: **Notes:**

    > ^?^ Transfer value to chip to use on ship.

[^2]:
    > If ship completes end-of-day between ship and shore. ACH
    > transactions are processed Sunday through Friday at 10:00 PM (8:00
    > PM on Sunday) Eastern Time and are generally posted to bank and
    > credit union accounts within 48 hours. To meet processing
    > deadline, ship must complete end-of-day by about 9:00 to 9:30 PM
    > (7:00 to 7:30 PM on Sunday) Eastern Time. Transactions that miss
    > deadline are processed next business day.

[^3]:
    > If ship completes end-of-day between ship and shore.

[^4]:
    > Normally at end-of-day completed the day before pay day, so funds
    > are available on pay day.

[^5]:
    > Normally processed the day before pay day, so funds are available
    > on pay day.