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I am a business owner and I have a personal account. In the business account it appears that checks are held until the account is too low and then I am charged a return check fee. For example, I have spoken to a vendor on several occasions whereas they too believe this is what is happening at Navy Federal. They sent a check back on Monday and as of today Friday the check has not posted. Right now there is money in the account to cover the check, but I am quit sure that Navy Federal will wait until the account is somewhat low and charge my account a return check fee. It is sad that they work like this....I have been a member for over 2 years. It is time for a change. Also, I have a direct deposit for my personal account that is deposited one day and I am not able to touch my money until the next day.....


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