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NAVY CASH® CARD and 

NAVY CASH® VISITOR CARD

CARDHOLDER AGREEMENTS

Effective August 10, 2023.

TABLE OF CONTENTS

Navy Cash Card Terms and Conditions

Section Definitions Page

1. Your Navy Cash Card 3

2. Fees and Interest 6

3. In Case of Errors, Questions or Disputes about Your Transactions 6

4. Safeguarding Your Card 7

5. Your Liability in Case of Loss, Theft, or Unauthorized Transactions 7

6. Stop Payments on Recurring Payments/Transfers 8

7. Receipts 9

8. Remaining Card Value and Transaction History 9

9. Failure to Make Transfers 9

10. Disclosure of Card Information 10

11. Your Duties and Liabilities 10

12. Other Legal Terms 10

Navy Cash Visitor Card Terms and Conditions

Section Definitions Page

1. Your Navy Cash Visitor Card 12

2. Adding Funds to Your Visitor Card 13

3. Navy Cash Kiosks 13

4. Fees and Interest 13

5. Lost or Stolen Visitor Card 13

6. Stop Payments 14

7. In Case of Errors, Questions or Disputes about Your Transactions 14

8. Card Value 14

9. Disclosure of Card Information 14

10. Your Duties and Liabilities 14

11. Other Legal Terms 14
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Navy Cash Card Terms and Conditions

This Agreement governs the issuance and use of your Card. By obtaining or using a Card, you agree to 

the terms and conditions set forth in this Agreement, which is subject to amendment from time to time 

in accordance with applicable law. Further, you agree that this Agreement is binding on your 

successors, representatives and assigns.

Definitions

“Agreement” means these Navy Cash Card 

Terms and Conditions.

“Bank Transfer” means a funds transfer via ACH 

to/from a Linked Account to/from the Card. 

“ATM” means an automated teller machine.

“Business Days” are Monday through Friday, 

excluding federal holidays.

“Card” means the Navy Cash Card issued to you 

by PNC, and includes both the Open Loop 

Account and Closed Loop Account.

“Closed Loop Account” means the portion of 

your Card that may be used to make 

transactions on ship using the chip embedded 

in the Card.

“DFAS” means Defense Finance and Accounting 

Services. 

“Disbursing Office” or “Disbursing Officer”

means the Disbursing Office or Disbursing 

Officer on-ship.

“Electronic Funds Transfer” means any Bank 

Transfer, or a transfer to/from your Open Loop 

Account to/from your Closed Loop Account.

“Foreign Transactions” are Open Loop Account

transactions completed outside of the United 

States using your Card.

“FRB” refers to the Federal Reserve Bank of 

Kansas City, a fiscal agent of the United States 

for the purpose of servicing the Closed Loop 

Account on the Card.

“Linked Account” means a bank or credit union 

account linked to your Card for purposes of 

Bank Transfers. 

“Navy Cash Kiosk” means the Navy Cash selfservice terminals on Navy ships and at U.S. 

military bases.

“Navy Plan of the Day” means the periodic 

news and announcement source for the Navy.

“Open Loop Account” means the portion of 

your Card that may be used to make debit 

transactions off-ship using the magstripe on the 

back of the Card.

“PIN” means a four (4) digit personal 

identification number assigned to you or 

selected by you for identification purposes in 

connection with the use of your Card. 

“PNC” refers to PNC Bank, National Association, 

a national banking association and a financial 

agent of the United States for the purposes of 

issuing the Card.

“POS” means a point-of-sale terminal used to 

make purchases of goods and services.

“Treasury” refers to the United States 

Department of the Treasury.

“You” and “your” refer to the person in whose 

name a Card is issued.
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1. Your Navy Cash Card

Using Your Card

You will be solely and completely responsible for the possession, use and control of the Card. You must 

surrender the Card to the Disbursing Office or Navy Cash Customer Service immediately upon request.

You may use your Card as follows: 

Closed Loop Open Loop

Make purchases from the ship’s store, vending machines, U.S 

Post Office, Morale, Welfare & Recreation (MWR) programs, or 

any other eligible retail location aboard the ship

Yes No

Pay for goods and services ashore at any merchant displaying 

the MasterCard®logo, including online purchases1

No Yes

Obtain cash at the Disbursing Office Yes No

Load Card with value at the Disbursing Office Yes (via cash 

and Navy Cash 

kiosk)

Yes (via check, 

cash, and Navy 

Cash kiosk)

Check Open Loop Account value or obtain cash in local currency 

at an ATM ashore worldwide that displays the PNC®, 

MasterCard®, AFFN®, Allpoint®, Cirrus®, Interlink® or Pulse®logos1

No Yes

Automatically load value from your military pay (requires 

participation in the Department of Defense’s Split Pay Option

program2)

No Yes

Check the value on your Card at a Navy Cash Kiosk Yes Yes

Move money between your Closed Loop Account and Open 

Loop Account using a Navy Cash Kiosk

Yes Yes

Transfer money to, or receive money from, the Closed Loop 

Account of another Navy Cash cardholder or Visitor Card 

cardholder using a Navy Cash Kiosk

Yes No

Request to transfer money electronically from your bank or 

credit union account to your Card at a Navy Cash Kiosk

Yes Yes

Request to transfer money electronically from your Card to 

your bank or credit union accounts at a Navy Cash Kiosk

Yes Yes

Change your PIN at a Navy Cash Kiosk Yes Yes

Complete a “Ship Check In” when you report aboard for duty at 

a Navy Cash Kiosk

Yes Yes

1 Please note that some ATMs and POS terminals may not accept the magstripe on your Card for transactions. 

2 The Split Pay Option is not associated with Navy Cash and is a program operated by DFAS. Contact DFAS or the 

Disbursing Office for more details.
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A. Limitations on Transactions

All transactions are limited to the amount of 

money available on your Card.

Certain limits exist on the amount that may be 

withdrawn from ATMs or charged to your Card 

for purchases each day. 

You may load no more than $400 on to your 

Card each day through a Bank Transfer.

The following limits apply to the Open Loop

Account that is accessed by your Card:

• ATM daily limit - $1,000

• POS daily limit - $5,000

• Cash load daily limit - $1,000

• Check load limit (daily) - $400

• Check load limit (monthly) - $1200

The following limits apply to the Closed Loop

Account that is accessed by your Card: 

• POS daily limit – $1,000

• Cash load daily limit - $ 1,000 

In certain situations (such as on-ship vending 

purchases), you may use your Closed Loop

Account without a PIN to conduct up to $25 

worth of transactions before a PIN-based 

transaction is required. 

You cannot use your Closed Loop Account for 

ATM transactions. 

You may call Navy Cash Customer Service at 1-

866-3NAVYCASH (1-866-362-8922) if you need 

additional information about your limits. 

During any interruption of an electronic funds 

transfer service, there may be additional 

limitations on the dollar amount and frequency 

of transactions. There also may be additional 

limitations on the types, frequency, timing and 

amount of transactions, without notice, for

security purposes.

Please note that if you use your Card at an ATM 

or other terminal that is not owned by PNC, 

operators of those ATMs or terminals may 

impose limitations on the amount, number or 

frequency of transactions you may make with 

your Card.

You may transfer funds from your Open Loop

Account to your Closed Loop Account up to the 

maximum value of your Closed Loop Account. 

Also, you may transfer up to the entire value of 

your Closed Loop Account to your Open Loop

Account up to the maximum value of your Open 

Loop Account. 

B. Split Pay Option

If you are an active duty Navy sailor or a 

Marine, you may choose to receive a portion of 

your pay on your Card through the DFAS Split 

Pay Option. If you choose to receive your 

wages via the Split Pay Option, you must enroll 

in the Split Pay Option separately. You will not 

be automatically enrolled in the Split Pay 

Option by obtaining and using this Card, and 

you may choose to receive your wages via 

direct deposit. If you choose to enroll in the 

Split Pay Option, you will be subject to the Split 

Pay Option’s terms, conditions and limitations. 

Contact DFAS or the Disbursing Office for more 

information on the Split Pay Option. 

C. FDIC Insurance

The value on your Card is insured by the Federal 

Deposit Insurance Corporation (FDIC) to the 

maximum amount permitted by law.

D. Negative Balances

Except as otherwise provided in this 

Agreement, when there are sufficient funds 

available on your Card, transactions initiated or 

authorized by you will be honored. A 

transaction may be dishonored when 

insufficient funds are available.
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PNC and FRB reserve the right to charge your 

Card for all transactions you initiate or 

authorize, even though a negative balance may 

be created, although PNC and FRB have no 

obligation to do so. You will be liable for and 

must immediately correct any negative balance 

on your Card.

If you maintain a negative balance on your Card

for more than 10 days, the amount of your 

negative balance will be deemed a debt owed 

by you to Treasury.

The Disbursing Officer may collect any debt 

owed. If you are no longer serving as part of a 

ship command and have been transferred to a 

shore command, the Disbursing Officer or DFAS

may initiate a garnishment of wages or a 

miscellaneous pay checkage (pay deduction) to 

collect the debt owed. If you leave the service 

before you settle any negative balance on your 

Card, the Treasury may initiate proceedings to 

recover the debt owed.

If a Bank Transfer is returned for insufficient 

funds, you authorize PNC and FRB to resubmit 

the Bank Transfer to your Linked Account. 

If you have a negative balance in either your 

Open Loop Account or Closed Loop Account, 

subsequent credits to that account will be 

reduced by the amount of the negative balance. 

E. Authorizations and Special Purchases With 

Your Open Loop Account

When you initiate a transaction with your Open 

Loop Account, a merchant may request a preauthorization for that transaction. When a preauthorization is provided to a merchant, a hold 

is placed on funds on your Open Loop Account 

in the amount the merchant is requesting. 

Once the final amount of the transaction is 

submitted by the merchant, your Open Loop 

Account will be debited for that amount.

Certain types of merchants, such as restaurants, 

gas stations, car rental agencies, hotels, cruise 

lines, beauty and barber shops, health and 

beauty spas, and taxis/limousines, generally 

obtain a pre-authorization to charge your Open 

Loop Account for an amount that may exceed 

the actual amount of your final purchase.

If the amount of the authorization exceeds the 

funds remaining in your Open Loop Account, 

your transaction may not be honored, even 

though the funds remaining on your Card are 

sufficient to cover the actual amount of your 

purchase. The amount of the authorization will 

be deducted from your available value until the 

completion of the purchase or transaction, or 

the expiration of the time period set for 

authorizations.

F. Deposit/Load Restrictions

i. In General

All deposits, loads and transfers to your Card 

are subject to review for compliance with 

applicable law, including without limitation to 

Office of Foreign Assets Control (OFAC) 

compliance. This may result in delays in posting 

items to your Card or refusal to accept deposits 

or perform transfers. PNC, Treasury, and FRB 

will have no obligation to provide you with 

notice of any non-payment, dishonor or protest 

regarding any items credited or debited to your 

Card.

ii. Additional Terms for Check Deposits

Check deposits are generally limited to the 

amounts listed in section 1.A. Higher limits may 

be available for extenuating circumstances, as 

determined by the Local Disbursing Office and 

its policies and procedures. 

All checks deposited must be payable to you 

and be dated no more than 180 days before you 

present the check to the Disbursing Office. 

Checks must be endorsed by you. 
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Checks must be drawn on a United States 

financial institution and payable in U.S. 

currency. No third-party checks, where a check 

is signed over to another cardholder other than 

who the check is made out to be, are permitted.

We determine availability by counting the 

number of Business Days from the Business Day 

of your deposit. If a check deposit is received 

by a Disbursing Officer, we will consider that 

day to be the day of your deposit. 

When a check deposit is received by a 

Disbursing Officer on a Business Day, funds 

from your deposit will be available on the first 

Business Day after the Business Day of your 

deposit for all purposes. 

Funds you deposit by check may be delayed for 

a longer period under the following 

circumstances:

● You redeposit a check that has been returned

unpaid.

● There is an emergency or intervening service 

interruption that is not the fault of PNC or FRB, 

such as a failure of communications or 

computer equipment.

You will be notified of the delay in your ability 

to withdraw funds for any of the reasons listed, 

and you will be notified when the funds will be 

available. 

If notice is received that a check has not been 

paid, subsequent credits to your Open Loop 

Account will be reduced by the amount of the 

check. Negative balances will be handled in 

accordance with Section 1.D.

G. Foreign Currency Transactions

All debits to your Card will be posted in U.S. 

dollars. 

All Closed Loop Account transactions will be 

conducted in U.S. dollars. 

Open Loop Account transactions made in a 

foreign currency are converted to U.S. dollar 

amounts by MasterCard, using the then current 

currency conversion procedure and rate. 

Currently, the currency conversion procedure 

and rate is either a wholesale market rate or a 

government-mandated rate in effect the day 

before the transaction processing date.

H. Expiration; Refund

Unless otherwise cancelled in accordance with 

the terms of this Agreement, your Card is valid 

until the expiration date that appears on your 

Card. Unless you are no longer eligible for a 

Card, upon expiration you may obtain a new 

Card. Contact the Disbursing Office or Navy 

Cash Customer Service to obtain a new Card.

If you are not eligible for a new Card or if you 

cancel your Card, and any funds remain on your 

Card, contact Navy Cash Customer Service at 1-

866-3NAVYCASH (1-866-362-8922) or email 

navycash@frb.org for a refund of the remaining 

funds, less any outstanding transactions. If you 

have a Linked Account, a transaction may be 

initiated to refund any remaining funds on your 

Card to the Linked Account.

I. Cancellation; Termination

Your Card may be cancelled or electronic access 

to your Card terminated with or without cause 

and without prior notice to you. You shall 

remain responsible for charges that arise before 

or after termination.

2. Fees and Interest

Please refer to the List of All Fees for 

information about fees for the Open Loop 

Account. There are no fees for the Closed-Loop 

Account. Funds on your Card will not earn 

interest.

3. In Case of Errors or Questions about Your 

Transactions
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A. Open Loop Account Transactions and 

Electronic Funds Transfers

Call Navy Cash Customer Service at 1-866-

3NAVYCASH (1-866-362-8922), email 

navycash@frb.org, or write to Navy Cash Card 

Customer Service Unit, 2201 Farnam St., 

Omaha, NE 68102, as soon as you can, if you 

think an error has occurred on your Open Loop 

Account or with regard to an Electronic Funds 

Transfer. PNC allows you to report an error 

until 120 days after the transaction allegedly in 

error was debited or credited to your Card. You 

may obtain an electronic history of your Card 

transactions at any time at www.navycash.com, 

and you may request a written history of your 

Open Loop Account transactions at any time by 

contacting PNC (through Navy Cash Customer 

Service). You will need to tell PNC:

• Your name and Card number

• Why you believe there is an error, and the 

dollar amount involved.

• Approximately when the error took place.

If you tell PNC orally, PNC may require that you 

send your complaint or question in writing 

within 10 Business Days.

PNC will determine whether an error occurred 

within 10 Business Days after PNC hears from 

you and will correct any error promptly. If PNC

needs more time, however, PNC may take up to 

45 calendar days to investigate your complaint 

or question. If PNC decides to do this, PNC will 

credit your Card within 10 Business Days for the 

amount you think is in error, so that you will

have the money during the time it takes PNC to 

complete its investigation. If PNC asks you to 

put your complaint or question in writing and 

PNC does not receive it within 10 Business Days, 

PNC may not credit your Card.

For errors involving new Cards, POS

transactions or Foreign Transactions, PNC may 

take up to 90 calendar days to investigate your 

complaint or question. For new Cards, PNC may 

take up to 20 Business Days to credit your Card 

for the amount you think is in error.

PNC will tell you the results within 3 Business 

Days after completing its investigation. If PNC

decides that there was no error, PNC will send 

you a written explanation.

You may ask for copies of the documents that 

PNC used in its investigation. 

If you need more information about PNC’s

error-resolution procedures, call Navy Cash 

Customer Service at 1-866-3NAVYCASH (1-866-

362-8922) or visit www.navycash.com.

B. Closed Loop Account Transactions 

(Excluding Electronic Funds Transfers)

If you believe an error has occurred on your 

Closed Loop Account for any transaction except 

an Electronic Funds Transfer, tell the Disbursing 

Officer or Navy Cash Customer Service as soon 

as possible. You are responsible for all Closed 

Loop Account purchases and withdrawals that 

are authorized using your Card.

4. Safeguarding Your Card

You agree that you will maintain the security of 

your Card at all times, keep it in a safe place, 

and not give your Card, or make it available, to 

any other person. If you permit other persons 

to use your Card, you are responsible for any 

transactions they authorize with your Card.

Take precautions to safeguard your Card and 

PIN at all times. Do not write your PIN on your 

Card or keep your PIN in the same place as your 

Card. If you share your PIN with another person, 

you have authorized that person to use your 

Card.

5. Your Liability in Case of Loss, Theft, or 

Unauthorized Transactions

Tell PNC (through Navy Cash Customer Service) 

AT ONCE if you believe your Card or PIN has 
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been lost or stolen, or if you believe a 

transaction has been, or will be, made without 

your permission. Telephoning is the best way of 

keeping your possible losses to a minimum. 

Also, if your transaction history (provided to 

you online or through the mail) shows transfers 

that you did not make, tell us at once. 

If you believe your Card or PIN has been lost or 

stolen or that someone has transferred or may 

transfer funds from your Card without your 

permission, contact Navy Cash Customer 

Service by calling 1-866-3NAVYCASH (1-866-

362-8922), emailing navycash@frb.org, or 

writing to Navy Cash Card Customer Service 

Unit, 2201 Farnam St., Omaha, NE 68102. In 

addition, contact the Disbursing Office. 

A. Open Loop Account Transactions and 

Electronic Funds Transfers

You will not be liable for any unauthorized use 

of the Open Loop Account or unauthorized 

Electronic Funds Transfers if you notify PNC, 

through Navy Cash Customer Service, of the 

loss, theft or unauthorized use of your Card 

within 120 calendar days from the time the 

transaction is debited or credited to your Card. 

If you do not notify PNC (through Navy Cash 

Customer Service) within 120 calendar days, 

you may not get any money back you lost after 

120 calendar days if PNC can prove that PNC 

could have stopped someone from making that 

transaction had you contacted PNC (through 

Navy Cash Customer Service) in time.

If a good reason (such as a long trip or a 

hospital stay) kept you from telling us, we will 

extend the time periods.

B. Closed Loop Account Transactions 

(Excluding Electronic Funds Transfers)

Except as described in Section 5(A) of this 

Agreement, because the value of your Closed 

Loop Account is reflected on and accessed 

through the chip on your Card, funds in your 

Closed Loop Account are treated like cash and 

may not be recoverable if lost. You are 

responsible for all Closed Loop Account 

purchases and withdrawals that are authorized 

using your Card.

6. Stop Payments on Recurring 

Payments/Transfers

You understand and agree that you only have 

the right to stop payment on recurring 

preauthorized payments/transfers (and not any 

other types of transactions) made with your 

Open Loop Account.

If you have recurring payments/transfers from 

your Open Loop Account at least once every 60 

days, you can stop those payments. In order to 

stop those payments, you must contact Navy 

Cash Customer Service at 1-866-3NAVYCASH (1-

866-362-8922) or email at navycash@frb.org at 

least 3 Business Days before the 

payment/transfer is scheduled to be made. You 

will need to provide the following:

• Your name

• Card number

• Name of the person or company to whom 

the payment is scheduled to be made

• Amount of the payment/transfer you wish 

to stop

If you call, you may also be required to put your 

request in writing and provide it to Navy Cash 

Customer Service within 14 days after you call.

If the recurring payments/transfers from your 

Card will vary in amount, the person you are 

going to pay will tell you 10 days before each 

payment/transfer how much the 

payment/transfer will be and when it will be 

made. Or, you may tell the person you are 

going to pay to send you a notice only when the 

amount would fall out of the limits you have 

set.
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If you order a stop payment of a recurring 

payment/transfer at least 3 Business Days or 

more before it is scheduled to occur, and the 

payment/transfer is not stopped, PNC will be 

liable for your losses or damages.

7. Receipts 

Generally you will receive or have the option to 

receive a receipt at the time you enter into a 

transaction with your Open Loop Account using 

an ATM or POS terminal, and at the time you 

conduct an Electronic Funds Transfer at a Navy 

Cash Kiosk, to the extent required by applicable 

law. Receipts may not be provided for some 

transactions, including Foreign Transactions,

transactions with your Closed Loop Account 

that are not Electronic Funds Transfers, and 

transactions that are $15 or less. 

8. Remaining Card Value and Transaction 

History

You may obtain information about the amount 

of money you have remaining on your Card by 

calling 1-866-3NAVYCASH (1-866-362-8922). 

This information, along with a 12-month history 

of Card transactions, is also available online at 

www.navycash.com. 

You also have the right to obtain at least 24 

months of written history of transactions on 

your Open Loop Account by calling 1-866-

3NAVYCASH (1-866-362-8922), or by writing us 

at navycash@frb.com or Navy Cash Card 

Customer Service Unit, 2201 Farnam St., 

Omaha, NE 68102. You will not be charged a fee 

for this information.

You may obtain information on the remaining 

value of your Open Loop Account or Closed 

Loop Account:

• At a Navy Cash Kiosk

• From the Disbursing Office

• From Navy Cash Customer Service

• At www.navycash.com

• From the Navy Cash mobile app

You also may obtain information on the 

remaining value of your Open Loop Account at

an ATM ashore.

Card transaction history may be limited to the 

transactions received since the ship’s last 

communication to shore.

Navy Cash Customer Service accepts relay calls 

from hearing impaired cardholders.

9. Failure to Make Transfers

If PNC does not complete an Electronic Funds 

Transfer to or from your Card on time or in the 

correct amount in accordance with the terms of 

this Agreement, PNC will be liable for your 

direct losses and damages. However, PNC will 

not be liable in the following circumstances:

• If, through no fault of PNC, you do not have 

enough money on your Card to make the 

Electronic Funds Transfer

• If the ATM where you are conducting the 

transaction does not have enough cash

• If the ATM, terminal or system was not 

working properly and you knew about the 

problem when you started the Electronic 

Funds Transfer

• If circumstances beyond PNC’s control (such 

as fire or flood) prevent the transfer, 

despite reasonable precautions that PNC 

has taken

• If PNC has reason to suspect that the 

transaction is unauthorized, or PNC has 

placed restrictions on the use of the Card

for security reasons

• If the funds in your Card are frozen (for 

example, because of a court order) and PNC 

is not legally permitted to complete the 

transaction
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• If you have failed to use your Card, the ATM 

or other electronic device in accordance 

with PNC’s instructions

There may be other instances, either stated in 

this Agreement or other applicable account or 

electronic transfer service agreements PNC has 

with you, in which PNC will not be liable for its 

failure to complete an Electronic Funds Transfer

on time or in the correct amount.

10. Disclosure of Card Information

Information may be disclosed to affiliates or to 

third parties about your Card or any transaction 

on your Card in the following circumstances:

• Where it is necessary for completing 

transactions or to resolve disputes arising 

from Card transactions

• In order to verify the existence and 

condition of your Card for a third party, 

such as a merchant

• In accordance with your written instructions

• In order to comply with applicable law, 

court orders or subpoenas

• In accordance with the Privacy Act of 1974, 

as amended

• To protect or enforce PNC, FRB or 

Treasury’s legal rights

• If PNC, FRB or Treasury otherwise deem 

appropriate, to the extent permitted by law

11. Your Duties and Liabilities

You agree to regularly review your Card value 

and transaction history (for your Open Loop 

Account and Closed Loop Account) to discover 

any unauthorized transactions or errors, and 

you agree to notify Navy Cash Customer Service

of any unauthorized transactions in accordance 

with Section 5 of this Agreement.

12. Other Legal Terms

A. Governing Law

As this Agreement relates to you and PNC, it will 

be governed by applicable federal law and 

regulation, Federal Reserve Bank rules and 

Operating Circulars, local clearinghouse rules, 

and Automated Clearing House Rules, and 

where not in conflict with federal law, the laws 

of the State of Delaware, without regard to 

conflict of law principles. 

As this Agreement relates to you and Treasury 

and FRB, it will be governed by applicable 

federal law and regulation, Federal Reserve 

Bank rules and Operating Circulars, local 

clearinghouse rules, and Automated Clearing 

House Rules. Nothing in this Agreement shall be 

construed to recognize any state law as 

governing law as this Agreement relates to you 

and Treasury and FRB.

B. Holds on Your Card

PNC, FRB, and Treasury may freeze or place a 

hold on your Card in order to investigate any 

dispute or claim. PNC, FRB, and Treasury will 

not be liable for any dishonor of a transaction 

that results.

C. Legal Process

Should any legal process or legal notice be 

received instructing us to restrict your Card use, 

withhold, seize or turnover funds on your Card, 

or otherwise affect your Card, you acknowledge 

and agree that PNC, FRB, and Treasury may 

comply with such legal process or legal notice. 

In complying with any legal process or legal 

notice, you acknowledge and agree that PNC, 

FRB, and Treasury may limit or suspend access 

to your Card, refuse to permit withdrawals or 

transfer from or loads to your Card, and take 

any other action PNC, FRB, and Treasury deem 

appropriate or legally required in PNC, FRB, or 

Treasury’s discretion, without regard to the 

ownership or original source of the funds on 

your Card. PNC, FRB, and Treasury will not 

contest any legal process or legal notice on your 

behalf.
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D. Changes to this Agreement

The terms of this Agreement, including any fees 

and/or features of the Card, may be changed 

from time to time and for any reason, except as 

prohibited by applicable law. If required by 

applicable law, you will be notified of changes. 

E. Notices

Notices from you will be effective upon receipt

by Navy Cash Customer Service and reasonable 

time to process. Unless otherwise noted, all 

notices and amendments to this Agreement will 

be posted via Navy Plan of the Day notes, 

through the Navy Cash website 

(www.navycash.com), through the e-mail 

address you provide to us, or through other 

available means. 

F. Waiver

Failure by PNC, FRB, or Treasury to exercise any 

rights under this Agreement shall not be 

deemed a waiver of any of these rights.

G. Non-Transferable

Any rights in your Card are not transferable 

except in accordance with applicable law.

H. Severability

In the event that one or more provisions of this 

Agreement shall for any reason be held invalid 

or illegal, such holding will not affect the 

enforceability of any other provision. 

I. Force Majeure and Availability

PNC, FRB, and Treasury will have no liability for 

any delays or failure of performance caused in 

whole or in part by fire, labor disputes, power 

failures, acts or omissions of civil authorities, 

civil disturbances, computer malfunction, or any 

causes beyond our control. Neither PNC, FRB,

nor Treasury represents or warrants that the

value on your Card will always be accessible or

accepted as payment.

J. Limitation of Liability

You agree that in performing the duties 

imposed under this Agreement in no event will 

PNC, FRB, and Treasury be liable for any 

consequential, indirect or special damages.

K. Call Recording; Consent of Service Calls

By providing telephone number(s) to PNC, FRB

or Treasury at any time, you authorize PNC, 

PNC’s affiliates, FRB, Treasury and any 

designees to contact you regarding this Card at 

such numbers using any means, including but 

not limited to placing calls using an automated 

dialing system to cell, VoIP or other wireless 

phone number, or by sending prerecorded 

messages or text messages, even if charges may 

be incurred for the calls or text messages; and 

you consent that any phone call with us may be 

monitored or recorded by us.
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Navy Cash Visitor Card Terms and Conditions

This Agreement governs the issuance and use of your Visitor Card. By obtaining or using a Visitor Card, 

you agree to the terms and conditions set forth in this Agreement, which is subject to amendment from 

time to time in accordance with applicable law. Further, you agree that this Agreement is binding on 

your successors, representatives and assigns.

Definitions

“Agreement” means these Navy Cash Visitor 

Card Terms and Conditions.

“Business Days” are Monday through Friday, 

excluding federal holidays.

“Closed Loop Account” means the portion of 

your Visitor Card or of a Navy Cash Card that 

may be used to make transactions on ship using 

the chip embedded in the Visitor Card or Navy 

Cash Card.

“Disbursing Office” or “Disbursing Officer” 

means the Disbursing Office or Disbursing 

Officer on-ship.

“FRB” refers to Federal Reserve Bank of Kansas 

City, a fiscal agent of the United States for the 

purpose of servicing the Visitor Card.

“Navy Cash Kiosk” means the Navy Cash selfservice terminals on Navy ships and at U.S. 

military bases.

“PNC” refers to PNC Bank, National Association, 

a national banking association and a financial 

agent of the United States for the purposes of 

issuing and operating the Visitor Card.

“Visitor Card” means the Navy Cash Visitor Card 

issued to you by PNC, and includes a Closed 

Loop Account.

“Treasury” refers to the United States 

Department of the Treasury.

“You” and “your” refer to the person to whom 

a Visitor Card is provided.

1. Your Navy Cash Visitor Card

A. Using Your Visitor Card

You will be solely and completely responsible 

for the possession, use and control of the 

Visitor Card. You must surrender the Card to 

the Disbursing Officer immediately upon 

request.

You may use your Visitor Card in the following 

ways:

• Pay for purchases or services on-ship, such 

as from the ship’s store, vending machines, 

U.S. Post Office, and Morale, Welfare & 

Recreation programs, programs, or any 

other eligible retail location on ship 

• Load Visitor Card with value at the 

Disbursing Office

• Obtain cash at the Disbursing Office

• Transfer money to, or receive money from,

the Closed Loop Account of another Navy 

Cash cardholder or Navy Cash Visitor Card 

cardholder at a Navy Cash Kiosk

B. Limitations on Transactions

All transactions are limited to the amount of 

money available on your Visitor Card.
13

Except as otherwise provided in this 

Agreement, when there are sufficient funds 

available on your Visitor Card, transactions 

initiated or authorized by you will be honored. 

A transaction will be dishonored if your Visitor 

Card has insufficient funds available.

C. FDIC Insurance

The balance on your Visitor Card is insured by 

the Federal Deposit Insurance Corporation 

(FDIC) to the maximum amount permitted by 

law.

D. Deposit/Load Restrictions

The maximum daily deposit/load limit is $1,000. 

PNC, FRB and Treasury reserve the right to 

accept or reject any request to load value to 

your Visitor Card at our sole discretion. 

All deposits, loads and transfers to your Visitor 

Card are subject to review for compliance with 

applicable law, including without limitation to 

the Office of Foreign Asset Control (OFAC) 

compliance. This may result in delays in posting 

items to your Visitor Card or refusal to accept 

deposits or perform transfers. PNC, FRB and 

Treasury will have no obligation to provide you 

with notice of any non-payment, dishonor or 

protest regarding any items credited or debited 

to your Visitor Card.

E. Expiration; Refund

Unless otherwise cancelled in accordance with 

the terms of this Agreement, your Visitor Card 

is valid until the expiration date that appears on 

your Visitor Card. Your Visitor Card will be 

deactivated after you leave the ship on which 

the card was provided to you.

To receive any value that remains on your 

Visitor Card, you must return your card to the 

Disbursing Office before you leave the ship on 

which the card was provided to you. 

F. Cancellation; Termination

Your Visitor Card may be cancelled or electronic 

access to your Visitor Card terminated with or 

without cause and without prior notice to you. 

You shall remain responsible for authorized 

charges that arise before or after termination.

2. Adding Funds to Your Visitor Card

You may add funds to your Visitor Card in the 

following ways:

• Deposit cash or checks through the 

Disbursing Office

• Receive value from another Closed Loop 

Account

3. Navy Cash Kiosks

You may use your Visitor Card at a Navy Cash 

Kiosk to perform the following:

• Change your PIN

• Check the value of your Visitor Card

• Transfer value between your Visitor Card 

and another Visitor Card or the Closed Loop 

Account of a Navy Cash Card

4. Fees and Interest

There are no fees for your Visitor Card. Funds 

on your Visitor Card will not earn interest.

5. Lost or Stolen Visitor Card

If you believe your Visitor Card or PIN has been 

lost or stolen or that someone has transferred 

or may transfer funds from your Visitor Card

without your permission, contact the Disbursing 

Office. 

Because the value of your Visitor Card is 

reflected on and accessed through the chip on 

your Card, funds in your Visitor Card are treated 

like cash and may not be recoverable if lost.
14

6. Stop Payments

Since all purchase transactions made using the 

Visitor Card are immediately deducted from the 

value of the Visitor Card, you do not have the 

right to stop payment on these transactions.

7. In Case of Errors or Questions About Your 

Transactions

If you believe an error has occurred on your 

Visitor Card for any transactions, tell the

Disbursing Office as soon as possible. You are 

responsible for all purchases and withdrawals 

that are authorized using your Visitor Card.

8. Card Value

You may obtain information on the value on 

your Visitor Card: 

• At a Navy Cash Kiosk

• From the Disbursing Office

9. Disclosure of Card Information

Information may be disclosed to affiliates or to 

third parties about your Visitor Card or any 

transaction on your Visitor Card in the following 

circumstances:

• Where it is necessary for completing 

transactions or to resolve disputes arising 

from Visitor Card transactions

• In order to verify the existence and 

condition of your Visitor Card for a third 

party, such as a merchant

• In accordance with your written instructions

• In order to comply with applicable law, 

court orders or subpoenas

• In accordance with the Privacy Act of 1974, 

as amended

• To protect or enforce PNC, FRB or 

Treasury’s legal rights

• If PNC, FRB, or Treasury otherwise deem 

appropriate, to the extent permitted by law

10. Your Duties and Liabilities

You agree to regularly review your Visitor Card 

value to discover any unauthorized transactions 

or errors, and you agree to notify the Disbursing 

Office of any unauthorized transactions or 

errors as soon as possible.

11. Other Legal Terms

A. Governing Law

As this Agreement relates to you and PNC, it will 

be governed by applicable federal law and 

regulation, Federal Reserve Bank rules and 

Operating Circulars, local clearinghouse rules, 

and Automated Clearing House Rules, and 

where not in conflict with federal law, the laws 

of the State of Delaware, without regard to 

conflict of law principles. 

As this Agreement relates to you and Treasury 

and FRB, it will be governed by applicable 

federal law and regulation, Federal Reserve 

Bank rules and Operating Circulars, local 

clearinghouse rules, and Automated Clearing 

House Rules. Nothing in this Agreement shall be 

construed to recognize any state law as 

governing law as this Agreement relates to you 

and Treasury and FRB. 

B. Holds on Your Card

PNC, FRB, and Treasury may freeze or place a 

hold on your Visitor Card without setting off in 

order to investigate any dispute or claim. PNC, 

FRB, and Treasury will not be liable for any 

dishonor of a transaction that results.

C. Legal Process

Should any legal process or legal notice be 

received instructing us to restrict your Visitor 

Card use, withhold, seize or turnover funds on 

your Visitor Card, or otherwise affect your 

Visitor Card, you acknowledge and agree that 

PNC, FRB, and Treasury may comply with such 

legal process or legal notice. In complying with
©2023 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association. Member FDIC

15

any legal process or legal notice, you 

acknowledge and agree that PNC and Treasury 

may limit or suspend access to your Visitor 

Card, refuse to permit withdrawals or transfer 

from or loads to your Visitor Card, and take any 

other action PNC, FRB, and Treasury deem 

appropriate or legally required in PNC or 

Treasury’s discretion, without regard to the 

ownership or original source of the funds on 

your Visitor Card. PNC and Treasury will not 

contest any legal process or legal notice on your 

behalf.

D. Changes to this Agreement

The terms of this Agreement, including any fees 

and/or features of the Visitor Card, may be 

changed from time to time and for any reason, 

except as prohibited by applicable law. 

E. Notices

Notices from you will be effective upon receipt 

by the Disbursing Office and reasonable time to 

process. Unless otherwise noted, all notices 

and amendments to this Agreement will be 

posted via the Navy Plan of the Day notes,

through the Navy Cash website 

(www.navycash.com), or through other 

available means. 

F. Waiver

Failure by PNC, FRB or Treasury to exercise any 

rights under this Agreement shall not be 

deemed a waiver of any of these rights.

G. Non-Transferable

Any rights in your Visitor Card are not 

transferable except in accordance with 

applicable law.

H. Severability

In the event that one or more provisions of this 

Agreement shall for any reason be held invalid 

or illegal, such holding will not affect the 

enforceability of any other provision. 

I. Force Majeure and Availability

PNC, FRB and Treasury will have no liability for 

any delays or failure of performance caused in 

whole or in part by fire, labor disputes, power 

failures, acts or omissions of civil authorities, 

civil disturbances, computer malfunction, or any 

causes beyond our control. Neither PNC, FRB,

nor Treasury represents or warrants that the

value on your Card will always be accessible or

accepted as payment.

J. Limitation of Liability

You agree that in performing the duties 

imposed under this Agreement in no event will 

PNC, FRB, or Treasury be liable for any 

consequential, indirect or special damages.

K. Call Recording; Consent of Service Calls

If you provide telephone number(s) to PNC, 

FRB, or Treasury at any time, you authorize 

PNC, PNC’s affiliates, FRB, Treasury and any 

designees to contact you regarding this Visitor 

Card at such numbers using any means, 

including but not limited to placing calls using 

an automated dialing system to cell, VoIP or 

other wireless phone number, or by sending 

prerecorded messages or text messages, even if 

charges may be incurred for the calls or text 

messages; and you consent that any phone call 

with us may be monitored or recorded by us.
16

List of All Fees for Navy Cash® Card 

(Open Loop Account only)

Refer to the Navy Cash Card Terms and Conditions for information regarding the Closed Loop Account 

of a Navy Cash Card. Refer to Navy Cash Visitor Card Terms and Conditions for information regarding 

a Navy Cash Visitor Card.

All fees Amount Details

Get cash (in the U.S. or international locations)

ATM withdrawal 

(in-network)

$0 “In-network” refers to PNC Bank ATMs and ATMs that are part of 

the Allpoint network. Locations can be found at www.pnc.com and 

www.allpointnetwork.com.

ATM withdrawal 

(out-of-network)

$0 “Out-of-network” refers to all ATMs that are not PNC Bank ATMs

or part of the Allpoint network. You may be charged a fee by the 

ATM operator, even if you do not complete a transaction. 

Information (in the U.S. or international locations)

ATM balance 

inquiry (innetwork)

$0 “In-network” refers to the PNC Bank ATMs and ATMs that are part 

of the Allpoint network. Locations can be found at www.pnc.com 

and www.allpointnetwork.com.

ATM balance 

inquiry (out-ofnetwork

$0 “Out-of-network” refers to all ATMs that are not PNC Bank ATMs

or part of the Allpoint network. You may be charged a fee by the 

ATM operator. 

Your funds are eligible for FDIC insurance. Your funds will be held at or transferred to PNC Bank, an 

FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event 

PNC Bank fails.

No overdraft/credit feature.

Contact PNC Bank (through Navy Cash Customer Service) by calling 1-866-3NAVYCASH (1-866-362-

8922), by mail at Navy Cash Card Customer Service Unit, 2201 Farnam St., Omaha, NE 68102, by email 

at navycash@frb.org, or visiting www.navycash.com. 

For general information about prepaid accounts, visit cfpb.gov/prepaid.

If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-

411-2372 or visit cfpb.gov/complaint.

©2023 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association. 

Member FDIC