Announcement

Collapse

Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as BKForum.com and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do:
BKFORUM.com (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto BKForum.com you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.


Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of BKforum.com.

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on BKForum.com are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

Can I join Navy Federal CU through grandparents?

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Can I join Navy Federal CU through grandparents?

    I'd like to join NFCU, but my only military affiliation is through my now deceased grandparents. All of which served overseas in various branches. I have all of their military papers, awards, and death certificates on hand.

    Will being the grandchild of a deceased vet allow me to join?
    BK7 - Discharged May 2011

  • #2
    If they were still alive I would say yes. Part of the eligibility mentions that you are family (grandchildren do count) of a member, or one eligible otherwise. However if they are not alive I don't think they can be members. Perhaps you could try to apply and not mention they are no longer active bankers?

    https://www.navyfederal.org/about/el...checklist.php#
    3/2/09- Filed: chapter 7 / No asset
    4/1/09- 341 Hearing: 1 creditor showed up Got to love family feuds
    4/2/09- Trustee Report of No Distribution Filed
    6/24/09- Discharged and case closed

    Comment


    • #3
      If you apply, you will need their Access Number. The "Access Number" is the key to the world! Without an Access Number of an active account, you'd need to qualify the normal way.

      Normal ways to qualify are clearly listed on the NFCU website. If you are a dependent or relative, then the person upon whom you rely for membership must have a membership (Access Number) for you to join.
      Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
      Status: (Auto) Discharged and Closed! 5/10
      Visit My BKForum Blog: justbroke's Blog


      I am not an attorney. Any advice provided is not legal advice.

      Comment


      • #4
        I know people that have joined through deceased relatives... however I think your parents would need to join first and then you join through your parents. I would definately call and ask them.
        BK Ch 7 Discharged 09/2009 | Anything I say can and should be used as friendly advice and sharing of experiences with an unbiased viewpoint.
        Scores: EQ 745 EX 704 TU 710 as of 08/15/2012

        Comment


        • #5
          That's odd... since you must be a member in order to extend membership. If someone used a decedent as a reference, the deceased must have had an account. (Unless we're talking about a deceased annuitant's heirs where the benefits were passed from the DoD pension.)

          I'm not sure if the person upon whom you rely needs an account. I think they may need to be eligible, but that may just mean they still need to open an account.

          This is quite easily settled by calling NFCU Membership.

          (I'm a member, and they can be strict at times. They love to request "documentation".)
          Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
          Status: (Auto) Discharged and Closed! 5/10
          Visit My BKForum Blog: justbroke's Blog


          I am not an attorney. Any advice provided is not legal advice.

          Comment


          • #6
            I need to try to get membership with USAA. My father did serve in the army for a couple of years.. but I don't think he's done anything beyond that. I will be finding out if he needs to be a member. It seems at least through the online registration process, the relative doesn't need to be a member. They just need to verify that person is eligible. I wonder what type of verification processes they do to make sure someone is eligible.

            Edit: oops, sorry. for some reason, i thought I was in a USAA thread.
            Last edited by CCsAreEvil; 10-22-2012, 11:25 AM. Reason: wrong thread
            Retained Lawyer: 04/2009 Filed: 09/2009 341 Meeting: 10/2009 Discharged: 12/2009 Asset: 05/2010 made asset Closed: 07/2013 after 47 long months

            Comment


            • #7
              Here is the requirements from the NFCU website:

              Eligibility Checklist

              Navy Federal's field of membership is determined by the National Credit Union Administration.
              If you fall under any of these categories, you're eligible to join:

              All Department of Defense (DoD) uniformed personnel—Army, Marine Corps, Navy and
              Air Force retirees and annuitants

              All Department of Defense Reservists—Army, Marine Corps, Navy and Air Force retirees
              and annuitants

              All Army and Air National Guard Personnel—civilian employees, retirees and annuitants

              All Delayed Entry Program (DEP) Personnel

              All DoD Officer Candidate programs—Midshipmen and cadets at the United States Naval Academy,
              United States Military Academy, United States Air Force Academy, United States Coast Guard Academy
              and the United States Merchant Marine Academy; Other Officer Programs*

              U.S. government employees assigned to DoD installations (including Coast Guard)

              All DoD civilian employees—including retirees and annuitants

              DoD contractors assigned to U.S. Government installations

              Family Members—including grandparents, parents, spouses, siblings, grandchildren, children (including adopted and stepchildren) and household members

              Once your family members have joined, they can extend the membership opportunity to their family members, too.

              Still not sure if you are eligible? Use our Membership Eligibility Wizard or call us at 1-888-842-6328.

              I qualified on my own as I work for a DOD Contractor but when I signed my brother up I had to do it and they wanted my member number. No member number no account unless you self-qualify.

              Comment


              • #8
                Originally posted by justbroke View Post
                That's odd... since you must be a member in order to extend membership. If someone used a decedent as a reference, the deceased must have had an account. (Unless we're talking about a deceased annuitant's heirs where the benefits were passed from the DoD pension.)

                I'm not sure if the person upon whom you rely needs an account. I think they may need to be eligible, but that may just mean they still need to open an account.

                This is quite easily settled by calling NFCU Membership.

                (I'm a member, and they can be strict at times. They love to request "documentation".)
                Yea, I hear ya... there is always a big debate on their eligiblity requirements on the forums. Sometimes I have seen people call and and the CSR says they are eligible and they sign them up but as soon as they apply for credit or something they go through account review and then come to find out that they really aren't eligible. They are definately sticklers and I have seen people loose accounts after years of being members. So, I would definately make sure your ducks are in a row.
                BK Ch 7 Discharged 09/2009 | Anything I say can and should be used as friendly advice and sharing of experiences with an unbiased viewpoint.
                Scores: EQ 745 EX 704 TU 710 as of 08/15/2012

                Comment


                • #9
                  I think the rules are pretty clear "Family Members—including grandparents, parents, spouses, siblings, grandchildren, children (including adopted and stepchildren) and household members

                  Once your family members have joined, they can extend the membership opportunity to their family members, too.

                  Now I suppose that could mean that your family members dont need to join to extend a membership to you but it sure looks that way to me

                  Comment


                  • #10
                    Family members do not need to be members - they just have to be eligible to join, and then you can join. I got in through both of my parents, they never joined but they were able to look them up in the military record system to see that they were eligible therefore making me eligible.
                    Chapter 7 Filed 2/28/2012
                    Discharged 7/24/2012
                    Cased Closed 8/7/2012

                    Comment


                    • #11
                      My quote come directly from NFCU. I called and asked and the said "The family member extending eligibility to you MUST be a member". Perhaps the NFCU website and customer service agents are misinformed but I doubt it.

                      Comment


                      • #12
                        If you are/were a dependent, the eligibility may be slightly different than someone depending on a non-resident "relative" or roommate.
                        Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
                        Status: (Auto) Discharged and Closed! 5/10
                        Visit My BKForum Blog: justbroke's Blog


                        I am not an attorney. Any advice provided is not legal advice.

                        Comment


                        • #13
                          I was not a dependent. My dad was in the Navy 50 years ago. He is NOT a member. When I tried to join they told me my dad had to be a member and have a member number for me to be eligible. I later was and am still employed by a DOD civilian contractor and qualified on my own.

                          Comment


                          • #14
                            What proof did they request working for the DOD contractor? I work in the IT field (just not exactly for a contractor) and part of my requirements are to have all NSA, DOD, and CNSS 4011 Recognition certifications.
                            BK7 - Discharged May 2011

                            Comment


                            • #15
                              I simply put the name of my employer and the agency with which we have a contracting relationship. In our case it is the Coast Guard and the Army. They asked for no physical paperwork just the name. I was approved in 24 hours.

                              Comment

                              Unconfigured Ad Widget

                              Collapse
                              Working...
                              X