Included With All Navy Federal Checking Accounts
- Navy Federal Debit Card with Zero Liability protection
- No monthly service fee,1 with dividends credited monthly
- 30,000+ ATMs throughout the U.S. and Canada
- Digital banking with Mobile Deposits* and Bill Pay
- Checking Protection Options to make sure you’re covered
- Free traditional name-only checks with easy online ordering2
Designed for Active Duty or retired military life, you can now access your military pay 1 day earlier. Account requires qualifying direct deposit.
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.
- Tiered dividends based on balance (earn dividends with a daily ending balance of at least $1,500)
- ATM fee rebates with direct deposit (up to $120 a year)8
- No monthly service fee if average daily balance is $1,500 or more; $10 if less than $1,500
Business Checking Accounts
Own a small business? Earn dividends with a checking account designed with your business in mind.
Get your pay safely and conveniently.Learn More about Direct Deposit
Navy Federal Debit Card
Accepted at millions of locations worldwide. Secure and convenient. Activate your debit card today.Learn More about Navy Federal Debit Card
Add Money to Your Accounts
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 of Net Pay (DDNP) 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 11/28/2023. 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.↵
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 11/28/2023. Fees may reduce earnings. Must maintain a daily ending balance of at least $1,500 to earn dividends.↵
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