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On-Base Banks and Credit Unions

The Military Banking Program ensures quality financial services are available to all Department of Navy (DON) personnel, their family members, and other authorized customers at domestic and overseas DON installations. This program strives to make available a wide range of banking products and services that are cost-effective to both the government and the individual users.

The Department of Defense (DoD) policies and procedures that govern the implementation of financial services on DON installations may be found at the following web sites:

Financial Institutions on DoD Installations. DoD Instruction 1000.11.

Procedures governing banks, credit unions and other financial institutions on DoD Installations. DoD Financial Management Regulation Volume 12, Chapter 33.

The Office of Financial Operations (FMO) is the DON Bank and Credit Union Liaison Office and is responsible for responding to installation commanders’ requests to establish or terminate bank or credit union operations; FMO also assists in issue resolution and ensures on-base banks and credit unions comply with DoD policies and procedures. Each DON installation has a liaison officer that works directly with the on-base bank and/or credit union.

Bank and Credit Union Liaison Officer Desk guide (PDF, 1.40MB)

There are two separately managed Military Banking Programs: Domestic and Overseas

Military Banking Programs: Domestic and Overseas:

There are banks and credit unions located on domestic and overseas DON installations providing the products and services necessary to support our DON communities. Each of these financial institutions has gone through a competitive process to be selected as the on-base service provider.

For the Overseas Military Banking Program (OMBP), one bank has been selected to provide stateside equivalent products and services under the trade name “Community Bank”. Community Bank provides banking services to all DoD communities.

Each year, the DON recognizes an on-base bank and credit union for providing outstanding service.

Helpful Financial Education Links:
The following websites provide information on Financial Preparedness and Education. This information is beneficial in preparing for emergencies as well as for planning for goals such as purchasing a home or paying for education.

Consumer Federation of America: tips on how to build savings and wealth.

Federal Government’s website: dedicated to helping Americans understand how to save, invest, and manage money to meet personal goals.

America Saves: website provides a wide-range of information that helps individuals and families build financial freedom through information, advice and encouragement.

Military Money TM: has been created to address the dynamic lifestyle of the military family and to serve, as an engaging financial resource for families with loved ones serving in America's armed forces.

Military Consmer: is a jointly designed to identify and protect members of the United States Armed Forces and their families This website also provides a gateway to a wide range of consumer education and protection information from identity theft, auto leasing, and other scams.

NMFA: activities revolve around programs to educate the public, the military community, and the Congress on the rights and benefits of military families AND to advocate an equitable quality of life for those families. More than 100 NMFA Representatives in the field extend our presence worldwide. NMFA, "The Voice for Military Families," is dedicated to providing information to and representing the interests of family members of the uniformed services on which our national security depends.

Consumer information website: is a resource for consumers information provided by the federal government.