Let’s be honest: your first thought was probably, “Sweet, a free $20!” Stop. Do not spend that credit on celebratory burritos yet. Remember what Mom said: if it looks like free money and quacks like free money, it’s probably a correction for a charge you already forgot about.
Check your transaction history. Look for a duplicate withdrawal or a large temporary hold that just vanished. The credit matches up to one of those. If you can’t find the match, do not ignore it—call Navy Federal. It could be a glitch, and they’ll want their virtual pennies back eventually.
Pro tip: You’ll usually see that same POS Adjustment Credit listed as a pending transaction first. It might look scary, like a charge. Don’t panic. It’s the digital version of a post-it note saying, “Refund incoming, hold your horses.”
What Is A Pos Adjustment Navy Federal | Detroit Chinatown
When It’s a Bigger Deal (But Still Fine)
Have you ever returned something to Amazon, but the refund seemed to take a weird road trip through the banking system? That refund might show up as a POS Adjustment Credit instead of a clean “Amazon Refund.”
It happens when the merchant uses a third-party payment processor that plays hopscotch with the transaction codes. The money is just as real—it’s just wearing a different name tag. Your balance goes up, and that’s all that matters.
Occasionally, a merchant will accidentally overcharge you for a tip at a restaurant. You know, when you write $5 on the receipt but they punch in $50? Navy Federal will issue a POS Adjustment Credit to claw back the excess. You’re welcome, for the trauma.
