Welcome to the Morrow v. Navy Federal Credit Union Settlement Website.

If Navy Federal Credit Union assessed an International Service Assessment Fee (“ISA Fee”) on a purchase you made while physically located in the United States from August 9, 2016, to March 24, 2023, then you may be entitled to a Settlement Class Member Payment from a class action settlement.

The people (called the “Plaintiffs”) who brought the lawsuits against Navy Federal Credit Union (“Navy Federal”) allege that Navy Federal breached its agreements regarding debit card fees by assessing International Service Assessment Fees (“ISA Fees”) on foreign purchases Accountholders made while located in the United States from August 9, 2016, to March 24, 2023. Navy Federal denies the allegations, or that it has done anything wrong. The Court has not decided who is right.

The Settlement affects your legal rights if you are a member of the Settlement Class. The Court has certified the Settlement Class as follows:

All current and past Navy Federal Accountholders who were assessed at least one ISA Fee during the Class Period (from August 9, 2016, to March 24, 2023) for purchases made while they were physically located in the United States.


Summary of Your Options and the Legal Effect of Each Option
File a Claim

You can submit a Claim Form by August 8, 2024. If you are a Settlement Class Member and you submit a Valid Claim you will be eligible to receive a cash Settlement Class Member Payment from the Settlement Fund.

For more detailed information, see FAQ 12.
Opt Out of the Settlement; Receive No Payment but Release No Legal Claims

You can choose to opt out of the Settlement by June 24, 2024. This means you choose not to participate in the Settlement. You will keep your individual legal claims against Navy Federal, but you will not receive a payment from the Settlement Fund. If you opt out of the Settlement but want to recover against Navy Federal, you will have to file a separate lawsuit.

For more detailed information, see FAQ 16 and FAQ 17.
Object to the Settlement

You can file an objection with the Court by postmarked date June 24, 2024, explaining why you believe the Court should reject the Settlement. If your objection is overruled by the Court, you may receive a cash Settlement Class Member Payment if you submit a Valid Claim and you will not be able to sue Navy Federal for the legal claims asserted in the lawsuit. If the Court agrees with your objection, the Settlement may not be approved.

For more detailed information, see FAQ 18 through FAQ 23.
Do Nothing

If you do nothing, meaning you do not opt out and you do not submit a Valid Claim, you will not receive a Settlement Class Member Payment from the Settlement Fund, you will release your legal claims against Navy Federal, and you will be bound by the terms of the Settlement.

These rights and options—and the deadlines to exercise them—along with the material terms of the Settlement are explained in the Notice and in the Frequently Asked Questions page of this website.

Current Status

The Order was entered on April 2, 2024, to modify the Preliminary Approval to change the date of the Final Approval Hearing and the Preceding deadlines. The deadlines to file a claim, opt out, and object to the settlement have been extended. The Court will make a final decision regarding the Settlement at the Final Approval Hearing, which is currently scheduled for July 24, 2024, at 1:00 pm.


Important Dates
  • August 9, 2016, to March 24, 2023
    Class Period
  • June 24, 2024
    Deadline to Opt Out of the Settlement
  • June 24, 2024
    Deadline to Object to the Settlement
  • July 24, 2024, 1:00 pm.
    Final Approval Hearing
  • August 8, 2024
    Deadline to Submit a Claim Form


Start Your Claim