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This document contains both information and form fields. To read information, use the Down Arrow from a form field.
This document requests that multiple fields to be initialed by the client, as indicated within respective sections, and will
need to be printed and initialed by the user where indicated.
© 2019 Navy Federal NFCU 94 (6-19)
Durable Power of Attorney
Carefully read any Power of Attorney (POA) before you sign the document. You should consult your own attorney regarding
its purpose or legal rights that are affected by the grant of such power to another person. Your particular circumstances
may indicate the need for granting either broader or more restrictive rights than are provided for in this document. If you do
not understand any provisions or language in this form or have any questions, you should consult your own attorney. By
signing this form, you are acknowledging that you understand the content and information provided.
Notice and Information
This document is being provided for your convenience to use only with your Navy Federal Credit Union (NFCU) accounts.
Nothing in this document should be construed as providing you with any legal advice. By this NFCU POA, you are
giving another person you designate (your Attorney-in-Fact (AIF) or agent) broad powers to handle your nances and
personal property with NFCU, which may include powers to encumber, sell, or otherwise dispose of any property held
at NFCU without any advance notice to you or approval by you. THE POWERS GRANTED UNDER THIS POA ARE
EFFECTIVE IMMEDIATELY, ARE DURABLE, AND WILL REMAIN IN EFFECT EVEN IF YOU BECOME DISABLED OR
INCAPACITATED. It is important that you designate someone as your AIF that you trust with your assets and nancial
information. If you wish to revoke or stop your AIF from acting, you must revoke this POA and, if desired, complete a new
POA. You have the right to revoke this POA form at any time by destroying it or by signing a written and dated statement
expressing your intent to revoke this document. You must inform NFCU of the revocation as NFCU can permit transactions
to occur pursuant to this POA until NFCU is notied of the revocation. A verbal notice of revocation is permitted, but you
must conrm the revocation with a written notice to NFCU. You should also notify your AIF and anyone you provided a
copy of the POA that it has been revoked. You can only have one NFCU POA in effect at any given time. If you execute
and submit a subsequent NFCU POA, then you agree that by doing so you have revoked any prior NFCU POA so that only
the latest one is in effect. Please note that if you subsequently execute a non-NFCU POA that revokes all previous or prior
POAs and that non-NFCU POA is submitted to NFCU, then that language will also revoke this NFCU POA. This document
does not authorize anyone to make medical or other health care decisions for you. If you have other assets or specialized
business matters outside of NFCU, this document does not address any of those assets or matters. You will need to seek
advice from your own attorney in order to address those assets or matters. The laws of the Commonwealth of Virginia shall
apply to this POA without giving effect to the principles of conict of laws as it relates to NFCU.
Military Power of Attorney (if applicable)
PREAMBLE: This is a MILITARY POWER OF ATTORNEY prepared pursuant to Title 10, United States Code, §1044b,
and executed by a person authorized to receive legal assistance from the military services. Federal law exempts this
power of attorney from any requirement of form, substance, formality, or recording that is prescribed for powers of
attorney by the laws of a state, the District of Columbia, or a territory, commonwealth, or possession of the United
States. Federal law species that this power of attorney shall be given the same legal effect as a power of attorney
prepared and executed in accordance with the laws of the jurisdiction where it is presented.
© 2019 Navy Federal NFCU 94 (6-19)
Page 2
Navy Federal
Durable Power of Attorney
Form Instructions
If you decide to use the NFCU Durable POA, please read and follow the instructions below:
1. Complete this form in its entirety. This includes lling out your information and the information for your AIF, and Co-AIF
and/or a Successor AIF, if applicable. This information is required in order for us to correctly identify your AIF(s) and
you. Any reference to the AIF will include the Co-AIF if you appoint a Co-AIF.
2. All applicable information elds in Sections A through G of this form must be lled out. If not applicable, please mark
the eld as “N/A.”
3. In order to grant and/or deny powers, your initials are required in the respective “Yes” or “No” boxes in Sections H
through K for each group of powers or each specic power. If a box is not initialed, then it will be deemed that the
specic authority will have not been given by you.
4. There are certain notices that must be included in this document and signed by you and your AIF, if applicable,
depending on the law in the state where you live, or the state where you sign/execute the POA.
5. Remember that this POA is only valid for powers related to nancial business with NFCU. You may limit the AIF’s
powers to certain accounts in Section G, if needed.
6. Your signature must be acknowledged before either a notary public or a person authorized under 10 USC § 1044a to
perform a notarial act for members of the armed forces.
7. You will also need two (2) unrelated and disinterested individuals who must be at least 18 years old to witness your
signature on this POA.
8. If you make no selections in Section E, then this document will r emain in effect until it is revoked by you; it is
superseded by a subsequent NFCU POA or Non-NFCU POA; it is superseded by a court order or the appointment
of a Guardian/Custodian/Conservator; or your death.
9. You have the option of appointing a Successor AIF in case your rst designation dies, becomes incapacitated or
incompetent, or is unwilling to serve. If you appoint a Co-AIF, then your Successor AIF designation will not become
effective unless and until both the AIF and Co-AIF die, become incapacitated or incompetent, or are unwilling to serve.
Your Successor AIF will have the same powers and authority as your original AIF. Acceptable written notication
will be required to document that the Successor AIF will be taking over in place of your original AIF, and Co-AIF if
applicable. Acceptable documentation includes a death certicate or court order for your original AIF, a physician’s
statement that your original AIF is unable to manage his/her nancial affairs, or a written, notarized resignation
statement from your original AIF.
Submitting This POA to NFCU
You or the AIF can send this POA to NFCU through fax, email, or eMessage, or present it at a branch. Please note that
before your AIF can take any action on your behalf using this POA, your AIF and Co-AIF, if applicable, will have to provide
a copy of his/her valid, government-issued photo ID or NFCU Access Number. If additional information is needed, an
NFCU representative will contact you or your AIF within two (2) business days of receipt of the POA.
Fax: 703-206-1373
Email: FAX_POA_Support@navyfederal.org
Mail: Navy Federal Credit Union, Attn: RS Power of Attorney
P.O. Box 36460, Pensacola, FL 32526-6460
eMessage Instructions:
Log in to Navy Federal Online Banking, and then click “Messages” and “Send us a message.” Please make sure to include
both the POA and a copy of a valid, government-issued photo ID for the AIF and Co-AIF, if applicable.
© 2019 Navy Federal NFCU 94 (6-19)
Navy Federal
Durable Power of Attorney
Page 3
Name: First MI Last Sufx
Navy Federal Access No. Social Security No. (SSN) or ITIN
Name: First MI Last Sufx
Navy Federal Access No. Social Security No. (SSN) or ITIN
Street
City State Zip Code
Street City State Zip Code
ID No. or State ID No. State
Issue Date (MM/DD/YYYY) Exp. Date (MM/DD/YYYY)
Email Address Home Phone Mobile Phone
Current Home Address:
Cannot Be a
Post Ofce Box
Mailing Address:
If Different From
Above Address
Driver’s License or Government-Issued
A. Principal/Member Information (You)
OR
B. Your Attorney-in-Fact Information
OR
Contact Information
Clear
© 2019 Navy Federal NFCU 94 (6-19)
Navy Federal
Durable Power of Attorney
Page 4
Name: First MI Last Sufx
Navy Federal Access No. Social Security No. (SSN) or ITIN
Street
City State Zip Code
Street City State Sufx
ID No. or State ID No. State
Issue Date (MM/DD/YYYY) Exp. Date (MM/DD/YYYY)
Email Address Home Phone Mobile Phone
Name: First MI Last Sufx
Navy Federal Access No. Social Security No. (SSN) or ITIN
Street
City State Zip Code
Street City State Zip Code
ID No. or State ID No. State
Issue Date
(MM/DD/YYYY) Exp. Date (MM/DD/YYYY)
Email Address Home Phone Mobile Phone
Current Home Address:
Cannot Be a
Post Ofce Box
Mailing Address:
If Different From
Above Address
Driver’s License or Government-Issued
Current Home Address:
Cannot Be a
Post Ofce Box
Mailing Address:
If Different From
Above Address
Driver’s License or Government-Issued
C. Your Co-Attorney-in-Fact Information (if applicable)
OR
Contact Information
D. Your Successor Attorney-in-Fact Information (if applicable)
OR
Contact Information
© 2019 Navy Federal NFCU 94 (6-19)
Navy Federal
Durable Power of Attorney
Page 5
_________________________________________________________ _________________________________________________________
____________________________________________________
_____________________________________________
Name of Principal (your name) Name of Attorney-in-Fact (AIF)
Name of Co-Attorney-in-Fact (if applicable), or N/A
Name of Successor Attorney-in-Fact (if applicable), or N/A
_________
(MM/DD/YYYY)
_________
Account Number Account Number Account Number Account Number
Account Number Account Number Account Number Account Number
Account Number Account Number Account Number Account Number
E. POA Type & Expiration Date (Please initial the line next to your choice in Section E.)
This POA is Durable (POA is still valid even if you become incapacitated, disabled, or incompetent).
This POA expires on
(provide specic date).
If no expiration date is indicated, this POA will expire 12 months from the date executed.
OR
This POA does not have an expiration date.
F. Authorization
I, , hereby appoint and
as my Attorney-in-Fact (AIF), to act in my name and on my behalf with NFCU for all
actions as authorized in Sections H through K of this document on accounts identied in Section G where I have an ownership interest. This POA
will be governed by the laws of the Commonwealth of Virginia. If I have appointed an AIF and Co-AIF to serve hereunder, then either one of them
may act alone, and any reference to my AIF will also apply to my Co-AIF. I intend for my AIF to act for me and in my place with NFCU as necessary,
pursuant to my AIF’s duciary duty, as permitted by law, and as specically designated below. Should my AIF no longer choose to or is no longer
capable of acting on my behalf, then I appoint as my Successor AIF, who may perform the same
authorized actions as specied in this document. If a Co-AIF is appointed, then the Successor AIF only becomes effective if both the AIF and Co-AIF
can no longer act because they die, become incapacitated or incompetent, or are unwilling to serve. By signing this document, I acknowledge
that I have read this POA in its entirety and understand the authority that I am granting my AIF, and Co-AIF and Successor AIF, if any, to act on my
behalf through this document until such date that the document expires, is revoked, or is terminated, or I die, whichever shall rst occur. I agree
to hold NFCU and its employees, agents, directors, management, and successors harmless from any and all liability, losses, claims, fees, costs,
attorney fees, or other penalties that may arise from any actions completed by my AIF, Co-AIF, or Successor AIF, as specied in this document.
G. Navy Federal Account Information (Initial next to the accounts on which the AIF may perform authorized actions.)
1) All my NFCU accounts where I have an ownership interest (current and future accounts)
Note: There is no need to initial any other boxes if 1) is initialed.
2) The following types of NFCU accounts where I have an ownership interest (initial all applicable account types)
Checking Savings Certicate Money Market
Mortgage Home Equity Loan Credit Card IRA/Retirement
3) Only the account numbers specied below:
© 2019 Navy Federal NFCU 94 (6-19)
Navy Federal
Durable Power of Attorney
Page 6
Yes No
Yes No
_____________ _____________
_____________ _____________
_____________ _____________
Yes No
_____________ _____________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
Yes
_____________
No
____________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
_
H. General Account Services (Please initial either the “Yes” or “No” box for each action, where “Yes” authorizes your AIF to perform that action.)
Yes No
Selecting Yes” authorizes your AIF to perform all actions listed in this section. (There is no need to initial any other
boxes below if “Yes” is initialed.) If you select “No”, then please make your selections below.
Make cash withdrawals.
Write, draft, order, or stop payment on checks.
Sign, endorse, deposit, or cash checks payable to Principal.
Initial next to the accounts that the AIF may Open (excludes consumer loan and credit card accounts–see Section I).
Checking Savings Money Market
Certicate IRA/Retirement
Initial next to the accounts that the AIF may Close (excludes consumer loan and credit card accounts–see Section I).
Checking Savings Money Market
Certicate IRA/Retirement
Request new or replacement debit card for new or existing accounts in Principal’s name only.
Request replacement credit card for existing accounts in Principal’s name only.
Modication of original depository account terms and types (excludes consumer loans and credit cards–see Section I).
Transfer funds from Navy Federal accounts (this does not include online transfers–see Section K).
Transfer funds to non-Navy Federal accounts (this does not include online transfers–see Section K).
Access, update, or change general account information (such as phone or address).
Receive copies of statements, notices, information, or similar documents related to savings or checking accounts.
Transfer account funds to AIF or AIF’s accounts.
Submit claim or le fraud for unauthorized charges.
Create or change survivorship rights or beneciaries on Payable on Death (POD) accounts.
Manage IRA/Retirement accounts (includes providing instructions for, establishing, and making changes to direct
transfers, roll-overs, withdrawals, contributions, and distributions).
Create or change survivorship rights or beneciaries on IRA/Retirement accounts.
Enroll or un-enroll for OOPs
(Optional Overdraft Protection Service for checking accounts).
© 2019 Navy Federal NFCU 94 (6-19)
Navy Federal
Durable Power of Attorney
Page 7
_____________ _____________
Yes
_____________
No
_____________ ___________
Yes
_____________
No
_____________
___________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
___________
___________
___________
Yes
_____________
No
_____________
___________
___________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
Yes
_____________
No
_____________
Notice: I understand any credit card, debt, or loan established in my name as Principal (as primary borrower or
co-borrower) is an extension of credit to me, and I agree to all terms, conditions, and repayment obligations.
I. Lending Services (Please initial either the “Yes” or “No” box for each action, where “Yes” authorizes your AIF to perform that action.)
Yes No
Selecting Yes authorizes your AIF to perform all actions listed in this section. (There is no need to initial any other
boxes below if “Yes” is initialed.) If you select “No”, then please make your selections below.
Apply for a new:
credit card in Principal’s name, issue card in Principal’s name only.
credit card in Principal’s name, add AIF as Authorized User, and issue cards in Principal’s name and AIF’s name.
Add AIF as authorized user on existing credit card account.
Request a limit increase on existing credit card account.
Apply for a new:
collateral loan
signature/unsecured loan
loan secured by Savings/Certicate
Add Principal’s name as co-applicant for:
collateral loan
signature/unsecured loan
Apply for a new Checking Line of Credit (CLOC) or request an increase on existing CLOC.
Modication of original consumer loan (secured or unsecured) account terms and types.
Modication of original credit card account terms and types.
Authorization to modify payments, request extensions, or settle accounts.
Apply, enroll, change, or cancel Guaranteed Asset Protection (GAP) or Payment Protection Plan (P3) coverage, as
applicable for existing coverage for any loan product.
© 2019 Navy Federal NFCU 94 (6-19)
Navy Federal
Durable Power of Attorney
Page 8
_____________ _____________
Yes
_____________
No
_____________
_____________ _____________
J. Real Estate (Please initial either “Yes” or “No” box for each action, where “Yes” authorizes your AIF to perform that action.)
A separate POA is required for real estate transactions. Please contact an attorney if you require a POA for real estate transactions.
Yes No
To access general information about Principal’s mortgage, including statements, tax documents, and any documents
related to Principal’s mortgage account.
To perform modications to Principal’s existing Navy Federal mortgage accounts that do not require a settlement/
closing transaction.
K. Online Banking (Please initial either the “Yes” or “No” box, where “Yes” authorizes your AIF to perform that action.)
Yes No
To add the AIF as an authorized user on Principal’s Navy Federal Online Banking for access to Principal’s accounts.
Important: Selecting “Yes” for this action permits your AIF to use only features available on NFCU’s website as an
Authorized User. This includes viewing Online Banking information, setting up and canceling withdrawals, transfers,
payments, and Bill Pay, and updating information, loans, statements, reports, notices, disclosures, documents,
correspondence, or other documents related to all accounts. If you select this option and/or grant access to your
AIF through Online Banking, then this election will supersede any limitations or unselected powers that may
be granted to the AIF in Sections G, H, I, or J above.
© 2019 Navy Federal NFCU 94 (6-19)
Navy Federal
Durable Power of Attorney
Page 9
Signature of Witness
Print Name Date (MM/DD/YYYY)
Signature of Witness
Print Name Date (MM/DD/YYYY)
Signature of Principal (Required)
Date (MM/DD/YYYY)
_____________________________________________ __________________________________________________ ______
_____________________________ ______ __________________________________________________
____________________________________________________
(Notary Seal/Stamp)
Notary Public
____________________________
__________________________________________________________________________________________
______________________________________________________________________
______
__________________________
______ ____________________________________________________________,
Principal
Organization Duty Station
Signature of Person Authorized to Perform Notarial Act Printed Name
Grade Armed Force
L. Principal Signature (Please note that before your AIF can take any action on your behalf using this POA, your AIF will have to provide a copy
of his/her valid, government-issued photo ID or Navy Federal Access Number.)
By signing below, I ratify and conrm any and all instructions, transactions, dealings, or other lawful acts done or caused to be done by my AIF
pursuant to this NFCU Durable POA. I agree that any revocation or termination of this POA is ineffective until NFCU receives proper notice of
such revocation or termination; and I further agree that any subsequent POA submitted to NFCU will make this POA ineffective. Notwithstanding
my insertion of a specic expiration date herein, if on the specied expiration date herein I shall be, or have been, carried in a military status of
“missing”, “missing-in-action”, or “prisoner of war”, then this NFCU Durable POA shall automatically remain valid and in full effect until sixty (60)
days after I have returned to United States military control following termination of such status.
M. Witnesses
Due to various state laws, NFCU requires two witnesses to witness the Principal’s signature and to sign this POA. The AIF is not allowed to sign
as a witness. Witnesses must be at least 18 years old, disinterested to the POA, and unrelated to the Principal and AIF(s).
N. Civilian Notary Public (Option 1)
State of: , County of: . On this day of
, 20 before me, , a Notary Public for the aforementioned
state, personally appeared , who proved to me through satisfactory, government-issued
identication, to be the person whose name is signed on this NFCU Durable POA, and acknowledged to me that this document was signed
voluntarily for its stated purposes.
My commission expires on .
O. Military Acknowledgment (Option 2) (if acknowledged before a person authorized to perform notarial acts for members of the armed
forces by 10 USC § 1044a)
With the United States Armed Forces at: ,
I, , the undersigned, do hereby certify that on this day of
, 20 before me, personally appeared
who signed and executed the foregoing NFCU Durable POA. I do further certify that I am at the date of this certicate authorized under 10
USC § 1044a to perform notarial acts for members of the armed forces, and that by statute no seal is required on this certicate.
© 2019 Navy Federal NFCU 94 (6-19)
Page 10
Navy Federal
Frequently Asked Questions About the Navy Federal Durable
Power of Attorney Form
What is a POA?
A Power of Attorney (POA) is a document signed by one person, known as the Principal, authorizing another person to
act as an Attorney-in-Fact (AIF) on his or her behalf. Examples of NFCU Members who wish to use a POA may include
those on Active Duty, preparing for deployment, or physically incapacitated, or any adult Member who wants to have
someone with the ability to take actions for them. They may appoint a family member or trusted individual to care for
their nances. If you have any further questions about this NFCU POA, you should contact an attorney.
How long is this POA valid?
This POA will remain in effect until any one of the following situations occurs:
The expiration date, if one is specied on this POA
This POA is properly revoked or terminated
This Principal is deceased
This POA is terminated by court order, such as the appointment of a Guardian/Custodian/Conservator
How do I revoke this POA?
This document may be revoked by you at any time. However, the AIF’s authority will only end once NFCU is properly
notied of the revocation. To revoke this document, please ll out the POA Letter of Revocation available at any NFCU
branch location or online at navyfederal.org and follow the instructions listed on the revocation form (NFCU Form 116).
Once revoked or terminated, the same POA cannot be reinstated or used again; a new POA must be completed to
authorize an AIF to take actions on your behalf.
Can I use this POA with other nancial institutions?
No, this document is only valid for business with NFCU.
Can I use this POA for any type of transaction?
This POA can be used for most transactions with NFCU. This POA may not cover all situations—in some cases, a
separate POA may be required for real estate transactions or items held in a trust. If you have further questions regarding
this document, you should contact an attorney.
Can I use this POA with NFCU subsidiaries?
No, this document cannot be used for Navy Federal Financial Group (NFFG), Navy Federal Brokerage Services (NFBS),
or Navy Federal Asset Management (NFAM) business or services. A separate POA will need to be signed by you for your
specic transactions with these entities.
Does this POA need to be notarized?
Yes, this POA must be notarized to be valid. Virginia law applies; however, due to various state laws, we require two (2)
unrelated and disinterested individuals who must be at least 18 years old to witness your signature on this POA.
As a courtesy to our Members, NFCU offers free notary services at many of our branches. This POA can also be signed
with a Military Acknowledgment before those persons authorized pursuant to 10 USC § 1044a.
What is a Durable POA?
A Durable POA means that the document remains effective even in the event that you become incapacitated, disabled, or
incompetent. Your AIF may still conduct nancial business with NFCU even after you are unable to do so. The NFCU POA
form is a Durable POA.
© 2019 Navy Federal NFCU 94 (6-19)
Page 11
Navy Federal
Frequently Asked Questions About the Navy Federal Durable
Power of Attorney Form
(continued)
What is a springing POA?
A springing POA means that the document does not become effective until a specic condition occurs. The condition
can be a variety of options, such as a specic date or that the POA is not effective until the Principal (you) becomes
incapacitated, disabled, or incompetent. The NFCU POA form does not provide for it to be a springing POA.
Does my AIF have to be a Member of NFCU?
No. Your AIF can be anyone you choose, a Member or non-Member.
What is a Co-AIF? Do I have to have one?
A Co-AIF is a second person you can designate and authorize to act on your behalf along with your original AIF. If you
appoint a Co-AIF, then either your AIF or Co-AIF can act alone without the other’s agreement or consent. No, you do not
have to appoint a Co-AIF as that is optional.
What is a Successor AIF?
A Successor AIF is a secondary agent that can take the place of your original AIF. This happens if your original AIF no
longer wishes to act as your agent, becomes incapacitated, disabled, or incompetent, or is deceased. Appointment of a
Successor AIF is optional. If you appoint a Co-AIF, then your Successor AIF will only become effective if both the AIF and
Co-AIF no longer wish to act or they are unable to act because they are incapacitated, disabled, incompetent, or deceased.
Can I limit the use of this POA?
Yes, you can limit the powers you grant to your AIF within this POA.
Can I modify this POA?
No, you cannot make modications to this POA after it is executed and notarized. In order to make changes, you must
revoke this POA, provide notice to NFCU of the revocation, execute a new POA, have it notarized and witnessed, and
submit it to NFCU.
Do I give up my rights by signing this POA?
No, you can always contact NFCU and we will contact you if needed or required by law or regulation.
Can I use this POA for real estate transactions?
No, this POA cannot be accepted for certain real estate transactions, such as a mortgage application or settlement for
purchase, renance, or equity loans. However, it may be used to allow your AIF to obtain your mortgage information, to
make payments, or for other requests for servicing of the loan. Because this document is only valid with NFCU, it is not
valid with settlement agencies and/or other third parties generally involved in real estate transactions. You should contact
an attorney if you need a POA specic to a real estate transaction.
Does this POA grant online access through Navy Federal Online Banking?
If you specically select the section to allow online access to your AIF, then your AIF will be permitted electronic access
as an Authorized User to all your current and future NFCU accounts, as well as to carry out many types of transactions
permitted to an Authorized User through Online Banking, including online Bill Pay (note that some features will be
restricted, such as applying for a credit card). You may limit your AIF’s access to certain services online by using the
“Manage Privileges” feature in the “Authorized Users” section under “Settings” in Online Banking. If you do not limit the
access, then your AIF will have access to all your accounts and most features/services as an Authorized User.