Designed for Active Duty or retired military life, you can now access your military pay 1 day earlier. Account requires qualifying direct deposit.
The easy, fast and free account that allows you to do everything from paying bills and making deposits to splitting a tab or paying for a ride. Account requires qualifying direct deposit. Footnote 6
Free Campus Checking provides convenient banking for members ages 14-24, with ATM fee rebates and no service fees.
Every member is eligible for our hassle-free, requirement-free, fee-free account that includes all the standard benefits of our other checking accounts.
"I love banking with NFCU, the online services flow smoothly, the customer service is exemplary and all my accounts pay me to be here!" Footnote 10
TrustpilotOwn a small business? Earn dividends with a checking account designed with your business in mind. Learn More about Navy Federal business checking
Navy Federal is dedicated to serving military members and their families. We provide exclusive benefits, services and tools to help our members reach their financial goals. Join Today
Accepted at millions of locations worldwide. Secure and convenient. Activate your debit card today. Learn More about Navy Federal Debit Card
Our convenient transfer and deposit options make it easy to put your money where you need it to be. Learn More about Add Money to Your Accounts
For Flagship Checking, no monthly service fee if average daily balance is $1,500 or more; $10 if less than $1,500.
Free Active Duty Checking® account includes free personalized traditional checks.
Up to $20.00 in ATM fee rebates per statement period.
Members with Free Active Duty Checking® accounts will receive their Direct Deposit one business day early.
Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 09/18/2024. Fees may reduce earnings.
To maintain eligibility for a Free Easy Checking account, you must set up direct deposit or conduct at least 20 Navy Federal Debit Card transactions (any combination of posted debit card purchases or ATM withdrawals) per statement period across all primary checking accounts. Qualifying debit card transactions include: purchases made using PIN, signature, online, phone, or mobile wallet; and withdrawals at Navy Federal or non-Navy Federal ATMs. Non-qualifying transactions include: transfers, inquiries, deposits, and denied transactions at an ATM (Navy Federal or non-Navy Federal); and Automated Clearing House (ACH) transactions. If the account does not meet either requirement for six consecutive statement periods, the account will be converted to the Free EveryDay Checking account at the end of the sixth statement period.
You may qualify for direct deposit if you have (1) a recurring ACH from employer, military pay, or certain government agency pay or benefits in your name that is deposited into a Navy Federal deposit account where you are Primary or Secondary Owner; OR (2) Mobile deposits, ATM deposits, or Branch deposits totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (3) monthly Non-payroll ACH totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (4) monthly Non-payroll ACH totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Secondary Owner.
Up to $10.00 in ATM fee rebates per statement period.
Up to $10.00 in ATM fee rebates per statement period. Direct deposit required to receive ATM fee rebates for Flagship Checking.
Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 09/18/2024. Fees may reduce earnings. Must maintain a daily ending balance of at least $1,500 to earn dividends.
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