NAVY CASH® CARD AND 

NAVY CASH® VISITOR CARD

CARDHOLDER AGREEMENTS

Effective August 10, 2023 

TABLE OF CONTENTS

Navy Cash Card Terms and Conditions

Section Definition Page

1. Your Navy Cash Card 1

2. Fees and Interest 2

3. In Case of Errors, Questions or Disputes about Your Transactions 2

4. Safeguarding Your Card 2

5. Your Liability in Case of Loss, Theft, or Unauthorized Transactions 2

6. Stop Payments on Recurring Payments/Transfers 2

7. Receipts 2

8. Remaining Card Value and Transaction History 2

9. Failure to Make Transfers 3

10. Disclosure of Card Information 2

11. Your Duties and Liabilities 3

12. Other Legal Terms 3

Navy Cash Visitor Card Terms and Conditions

Section Definition Page

1. Your Navy Cash Visitor Card 3

2. Adding Funds to Your Visitor Card 2

3. Navy Cash Kiosk 3

4. Fees and Interest 3

5. Lost or Stolen Visitor Card 3

6. Stop Payments 3

7. In Case of Errors, Questions or Disputes About Your Transactions 3

8. Card Value 4

9. Disclosure of Card Information 4

10. Your Duties and Liabilities 4

11. Other Legal Terms 4

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 self-service 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 digit personal identification number assigned to you or selected by you for identification purposes in connection with the use of your Card. (4)

“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. 

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 Closed 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 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® logos

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

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) – $1,200

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. 

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.

 

 

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 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.

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

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.

4 1

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 (in-network) $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-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. 

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
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.

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 pre-authorization for that transaction. When 

a pre-authorization 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 preauthorization 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. 

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

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 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.

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 hearingimpaired 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

• 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.

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.

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

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 self-service 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. 

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.

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

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