GlepNavy Federal

Glep vs. Navy Federal

Navy Federal is a credit union with business checking for members of the military community. Glep is banking, cards and spend management built for businesses that own and operate real estate.

Features: Glep compared with Navy Federal

Real estate & entities

Multi-entity management

Every LLC from one login, funds and records separated per entity

Offered
Not listedSeparate memberships per entity

Account per LLC, sub-account per property

Each with its own routing and account number, so deposits, draws and reserves never mix

Offered
Not listedSeparate accounts only; property sub-accounts not listed

Property-level tracking

Every card purchase, ACH, wire and RTP payment tagged to a property, deal or unit as it happens

Offered
Not listedNot listed

Aida deal analysis

Rehab cost, ARV, NOI, purchase price, red flags and an offer letter from an address

Offered
Not listedNot offered

Aida on transactions

Categorizes every transaction, matches receipts, flags unusual charges, answers questions by property

Offered
Not listedNot listed

Team access scoped per entity

Custom roles and entity-level visibility, included free

Offered
PAIDPaid plan onlyTwo signers free; unlimited on Plus at $8

Banking & spend

Business banking

Checking and savings through Core Bank, Member FDIC

Offered
OfferedCredit union, NCUA insured

Unlimited cards

Physical and virtual Visa cards with daily, weekly or monthly limits, merchant locks, freeze and terminate

Offered
OfferedGO BIZ debit and credit cards, subject to approval

Contractor cards with a hard cap

The card stops working when the project budget is spent

Offered
Not listedNot listed

Approvals and expense policies

Approval workflows, parallel approvers and receipt rules, included free

Offered
Not listedNot listed

Same-day ACH and wires at $0, plus RTP and FedNow

$0 same-day ACH and domestic wires; RTP and FedNow available; 3% FX fee on international card transactions

Offered
Not listedWire fees per schedule; paper transactions capped

Mobile app

Issue, freeze and terminate cards, capture receipts and approve spend from the job site

Offered
OfferedNavy Federal mobile

Pricing

Free, no per-user fee

$0 monthly fee, no credit card to start. 3% FX fee on international card transactions

Offered
Offered$0, $8 or $20 per month by tier

Navy Federal is a trademark of Navy Federal Credit Union. Navy Federal features, accounts and fees are as published at navyfederal.org on September 25, 2026 and are subject to change.

Why real estate businesses choose Glep

What changes when the platform is built around properties, deals and LLCs.

Get started with Glep

Enter an address and Aida estimates rehab cost, ARV and NOI, recommends a price, flags red flags and drafts the offer. After closing, Aida categorizes every transaction, tags it to the property and matches the receipt to the vendor, job and GL code. A statement lists the debit; it does not say which property it belonged to.

At Navy Federal, the $0 tier allows an owner and one signer, unlimited signers start at $8 per month, and every entity is its own membership and account. Glep opens an account per LLC and a sub-account per property by default, each with its own routing and account number, free, with team access scoped per entity.

A card per contractor or project with a hard budget cap that stops the card when the budget is spent. Unlimited cards, limits by day, week or month, merchant locks, freeze and terminate from the mobile app, and same-day ACH and domestic wires at $0, plus RTP and FedNow. Navy Federal's GO BIZ debit and credit cards are subject to approval, no project cap is listed, and wire fees run per schedule.

A project budget in Glep showing spend against the cap and the transactions behind it

Further comparisons with Navy Federal and other alternatives to it

Chase

Glep vs Chase

Chase is a national bank with tiered business checking, branches and Ink business credit cards. See how Glep compares.

Learn more
U.S. Bank

Glep vs U.S. Bank

U.S. Bank is a national bank with Silver, Gold and Platinum business checking packages. See how Glep compares.

Learn more
Novo

Glep vs Novo

Novo is fee-free online business checking for small businesses and freelancers. See how Glep compares.

Learn more

Frequently asked questions about Glep and Navy Federal

Navy Federal is a credit union offering Business Checking, Business Plus and Business Premium at $0, $8 and $0 or $20 per month to business owners who are members of the military community, with unlimited electronic transactions and a GO BIZ debit card, federally insured by NCUA. Glep is banking, cards and spend management for real estate businesses, through Core Bank, Member FDIC. Every LLC gets its own account and every property its own sub-account with a unique account number, Aida tags every transaction to a property or deal as it happens and analyzes deals before you buy them, and contractor cards carry hard budget caps. Glep is free, with $0 same-day ACH and domestic wires, plus RTP and FedNow, and a 3% FX fee on international card transactions.

Business Checking is $0 per month with two signers and 30 free non-electronic transactions; Business Plus is $8 with unlimited signers and 50; Business Premium is $0 or $20, waived with a $5,000 average daily balance, with 100; non-electronic transactions past the allowance are $0.25 each, and membership is required, as published on navyfederal.org on September 25, 2026. Glep is $0 with no monthly fee, no per-user fee, $0 same-day ACH and domestic wires, plus RTP and FedNow, and a 3% FX fee on international card transactions.

At Navy Federal, each business opens its own membership and account with a $250 or $255 deposit. On Glep, every LLC lives under one login with its own account, cards and records, each team member sees only the entities you give them, and every property gets a sub-account with its own account number, all free.

Yes. The contractor's card carries the project's budget as its ceiling, plus merchant locks and a freeze you can hit from your phone, and every purchase is recorded against the project. Navy Federal's GO BIZ debit and credit cards are subject to approval with no project cap listed, and beyond two signers, entity-scoped access starts on the $8 Plus tier.

Glep works upstream of your ledger: spend is categorized and tagged to its property as it happens, so your accountant receives clean data. Navy Federal lists no property-level tracking and no categorization, so the per-property split is built after the fact, and separating entities there means a separate membership for each one.

Yes. iOS and Android, receipt capture at the point of spend, card issue, freeze and terminate from the owner's phone, each team member scoped to their own entities. Navy Federal mobile covers the account, unlimited signers start on the $8 Plus tier, and no expense policies are listed, so mobile oversight is per account rather than per project.

No. Open a Glep account online with your US business entity and EIN, add each LLC, open a sub-account per property and issue cards; one property first is the usual way in. Navy Federal is a credit union with NCUA insurance and the membership is worth keeping. What changes is the structure around it: separate memberships per entity there, against an account per LLC and a sub-account per property here, with Navy Federal's tiers at $0, $8 or $20 per month.

If your business is a set of properties held in a set of entities, Glep is built around that structure: an account per LLC, a sub-account per property, Aida tagging every transaction to the property it belongs to, and contractor cards that stop at the budget. Contractors and developers get the same structure for projects, draws and crews, and pay subs by same-day ACH or wire at $0, or by RTP or FedNow. If your business is outside real estate but runs money across several entities, projects or vendors, Glep gives you multi-entity management, entity-scoped team access, sub-accounts with unique account numbers, approval workflows and unlimited cards on the free plan, with no membership requirement and no signer limit. Start with one property or one project and move the rest on your own schedule; there is no contract and no lock-in.