As is SOP with most credit unions, once they take a loss on a member....they subsequently revoke membership and IIRC Navy does this, however it's probably worth at least making a call to Navy, but they will surely require payment in full to even consider membership again.
So I burned Navy in 2014 for about $3,000 with a credit card during my BK. They locked me out of my account and all the normal stuff. I kept getting statements in the mail from them so I figure why not try and see if I can re-open or activate my account. I called them and said that I couldnt log in online and wanted to know what I need to do. They said that it was because I hadnt logged in and that my account was inactive.
They reset my account and I was able to sign in online. Shocked is not the word.
Any who I went to open a checking account and test the waters and got an error message. I was very sad and figured I was really out.
I called them about the error message and they said that when an account has been included in a BK that they need to review it and see if it can be re-opened. I left it alone and figured it was a dead end.
I logged in for the heck of it a couple of days later and there was a brand new checking account opened! I dont know if this means Im back in but I did make a mobile deposit and Im laying low for now.
Im going to apply for a credit card once all of my balances have updated to zero and see what happens.
Just figured I would post my experience.