May 2023

CARDHOLDER SECURITY

• Take precautions to safeguard your card and PIN at all times.

• Report lost or stolen cards to disbursing or Navy Cash and 

EagleCash®2.0 Customer Service Center immediately. The 

card will be cancelled, and a new card will be issued with 

remaining available balances applied.

• To create a Personal Identification Number (PIN), do not use 

consecutive numbers, any part of your Social Security 

Number (SSN), birthdate, or address. Random numbers are 

best.

• Memorize your PIN. Do not share your PIN. Do not write 

your PIN on your card. Do not carry your PIN near or with 

your card. When necessary, report to disbursing with your 

card to reset the PIN.

• Do not share your PIN: If you do you’ve authorized that 

person to use your card.

• At vending machines, you are limited to $25 in PIN-less 

transactions before you must enter your card and PIN at a 

kiosk to reset the $25 PIN-less counter on your card.

KNOW YOUR BALANCE

• Cardholders are responsible to Know Their Balance.

Navy Cash and EagleCash®2.0 cards are pre-paid cards with 

two purses, Closed Loop and Open Loop. The amount of 

money available for you to spend in each purse is limited by 

the amount of funds loaded to that ePurse.

• It is discouraged that you use the Navy Cash card or 

EagleCash®2.0(NC) card for reoccurring charges such as 

subscription fees, monthly payments, monthly bills, etc.

• The electronic funds transfer (EFT) from your home bank 

account to your Navy Cash card and EagleCash®2.0 card 

typically occurs within 24 hours.

• Do not transfer funds to your Navy Cash card and 

EagleCash®2.0 accounts at the Navy Cash or EagleCash®2.0 

kiosk unless you are certain that sufficient funds are 

available in your bank account to cover the funds transfer.

• Transfers made from a home bank account with insufficient 

funds may result in banking fees according to your home 

bank’s policy. 

SPLIT PAY OPTION

• Active-duty cardholders may elect to transfer a portion of

their military pay to their Navy Cash card and EagleCash®2.0 

card through the Split Pay Option (SPO) provided by DFAS.

• Recurring loads on the Navy Cash card and EagleCash®2.0

may help you avoid negative balances.

• Start and stop payments based on your needs.

• SPO enrollment forms should be filled out with the 

Personnel Office (or PS) onboard the ship. They will take the 

appropriate action to start, stop, or change SPO. 

Cardholders need to be verified as being enrolled in Navy 

Cash/EagleCash®2.0 before starting SPO. If cardholder selfenrolls and starts SPO, DFAS may reject the enrollment. If 

needed, please check with the Personnel/Disbursing Office 

for details.

• Split Pay Option’s terms, conditions and limitations will 

apply.

CLEARING NEGATIVE BALANCES

• A transaction may be dishonored when sufficient funds are 

not available.

• 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 Defense Finance and Accounting Service (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 the SVC program to resubmit the Bank Transfer to 

your Linked Account up to two consecutive paydays.

• If you have a negative balance in either your Open Loop 

Account or Closed Loop Account, subsequent credits to that 

account will reduce the amount of the negative balance.

NAVY CASH MOBILE APP

• Check the balance on your 

MasterCard debit account (Open 

Loop) account.

• See Open Loop transaction history.

• Set transaction alerts.

• Implement card controls to turn card on and off. 

• And much more.

Available at the Apple Store and Google Play.

NAVY CASH CARD IN FOREIGN PORTS

• Using the Navy Cash card’s MasterCard debit account (Open 

Loop) in Outside the Continental United States (OCONUS)

locations is an easy way to withdraw cash or conduct 

transactions.

• Foreign merchants only have access to the Open Loop 

portion for your Navy Cash card when presented. They do 

not have your personal bank account information thereby 

reducing, but not eliminating, the opportunity for fraud, 

identify theft, and limits liability to just the funds on your

Navy Cash MasterCard debit account (Open Loop).

• The Navy Cash card and EagleCash®2.0 card do not charge 

fees; however, check with the merchant or ATM to 

determine what fees they may apply.

ACTIONS DURING TRANSFERS OR SEPERATIONS

• Transferring afloat: Take your Navy Cash card or 

EagleCash®2.0 card and check in at the Navy Cash kiosk once

onboard your new ship.

• Transferring ashore: Transfer all funds from the Closed Loop 

card to the Open Loop then send to your personal bank 

account using the kiosk, then do a proper checkout with the 

Disbursing office to suspend your card to prevent possible 

fraud.

• Discharged: Transfer all funds from the Closed Loop card to 

the Open Loop then send to your personal bank account 

using the kiosk. Do a proper checkout with the Disbursing 

office. Verify accounts are clear then destroy your card. You 

may also call Navy Cash customer service to have funds 

returned to you.

 

 
May 2023

MERCHANT HOLD

• 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.

CARDHOLDER FEES

• See the Navy Cash and EagleCash®2.0 Cardholder Agreement 

for more information regarding fees.

• Navy Cash and EagleCash®2.0 cardholders have access to 

over 70,000 in-network, surcharge free ATMs worldwide. No 

charge for in-network ATM withdrawals.

• “In-network” refers to PNC Bank ATMs and ATMs that are 

part of the Allpoint network. ATM locations can be found at 

www.pnc.com and www.allpointnetwork.com.

• “Out-of-network” refers to all ATMs not PNC Bank ATMs or 

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

by the ATM owner/operator, even if you do not complete a 

transaction.

• Check your balance before leaving the ship, balance inquires 

will result in a fee for out of network ATMs.

• For full details, please review the Navy Cash and 

EagleCash®2.0 Cardholder Agreement for Terms and 

Conditions. In case of a discrepancy between this User Guide 

and the Terms and Conditions, the Terms and Conditions will 

control.

 

NAVY CASH® & EAGLECASH®2.0

CUSTOMER SERVICE CENTER

Commercial: 1 (866) 3NAVYCASH

 1 (866) 362-8922

Web Site: www.navycash.com

e-mail: navycash@frb.org

For Worldwide ATM Locations visit:

• www.pnc.com

• www.allpointnetwork.com

• https://www.visa.com/locator/atm

• www.mastercard.com

Download the Navy Cash Mobile App from 

the Google Play or the App Store to locate 

ATMs from your mobile device.

Navy Cash® is a registered service mark of Bureau of the Fiscal Service the U.S. 

Department of the Treasury.

PNC Bank is a registered mark of The PNC Financial Services Group, Inc. 

(“PNC”).

All other trademarks are the property of their respective owners.

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

National Association. Member FDIC.

NAVY CASH® &

EagleCash®2.0

User Guide Quick Hits

Navy Cash® Card Program Office

Naval Supply Systems Command

PROGRAM GUIDANCE & TIPS

Additional Details Inside

• EagleCash® 2.0 is the next generation of 

Navy Cash

• Refer to the Navy Cash and EagleCash® 2.0 

Cardholder Agreement for Terms and 

Conditions.

• Navy Cash and EagleCash® 2.0 cards are 

finite prepaid cards. The amount you can 

spend is limited to the value loaded to 

your Navy Cash and EagleCash® 2.0 card 

Closed Loop and Open Loop accounts. 

• Know your balance. You are responsible 

for knowing your balance. 

• Manage your Navy Cash and 

EagleCash® 2.0 Closed Loop account and 

MasterCard® debit (Open Loop) balance 

through the Navy Cash Mobile App, 

available at Google Play or the Apple App 

Store. 

• Treat your card like cash. Protect your PIN.