Included With All Navy Federal Checking Accounts

Checking Accounts

Free Active Duty Checking®

Designed for Active Duty or retired military life, access your military pay one day earlier with a qualifying direct deposit.

Features:

  • ATM fee rebates (up to $240 a year)3
  • Early access to military pay with direct deposit4
  • No monthly service fee; qualifying military direct deposit required
  • No minimum balance requirement
  • Free personalized checks

Rates:

  • 0.05% APY5
  • 0.05% Dividend Rate

Free Easy Checking

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.

Features:

  • ATM fee rebates (up to $120 a year)6
  • No monthly service fee1 with qualifying direct deposit required7
  • No minimum balance requirement
  • Dividends credited monthly
  • Checking Protection Options to make sure you’re covered

Rates:

  • 0.05% APY5
  • 0.05% Dividend Rate

Free Campus Checking

Free Campus Checking provides convenient banking for members ages 14-24, with ATM fee rebates and no service fees.

Features:

  • ATM fee rebates (up to $120 a year)6
  • No monthly service fee
  • No minimum balance requirement

Rates:

  • 0.05% APY5
  • 0.05% Dividend Rate

Free EveryDay Checking

Every member is eligible for our hassle-free, requirement-free, fee-free account that includes all the standard benefits of our other checking accounts.

Features:

  • No monthly service fee
  • No minimum balance requirement

Rates:

  • 0.01% APY5
  • 0.01% Dividend Rate

Flagship Checking

Earn more money on your money—the higher your balance, the greater your dividends.

Features:

  • Tiered dividends based on balance (start earning dividends with an average daily 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

Rates:

  • 0.35% to 0.45% APY9
  • 0.35% to 0.45% Dividend Rate

See What Our Members Have to Say 

"I love banking with NFCU, the online services flow smoothly, the customer service is exemplary and all my accounts pay me to be here!"10

-Navy Federal Member Georgia

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Make the Most of Your Navy Federal Debit Card

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Business Checking Accounts

Own a small business? Earn dividends with a checking account designed with your business in mind.

Learn More about Navy Federal business checking

Checking Resources

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Disclosures

1

For Flagship Checking, no monthly service fee if average daily balance is $1,500 or more; $10 if less than $1,500.

2

Free Active Duty Checking® account includes free personalized traditional checks.

3

Up to $20.00 in ATM fee rebates per statement period.

4

Members with Free Active Duty Checking accounts will receive their Direct Deposit of Net Pay (DDNP) one business day early.

5

Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 02/25/2021. Fees may reduce earnings.

6

Up to $10.00 in ATM fee rebates per statement period.

7

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.

8

Up to $10.00 in ATM fee rebates per statement period. Direct deposit required to receive ATM fee rebates for Flagship Checking.

9

Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 02/25/2021. Fees may reduce earnings. Must maintain an average daily balance of $1,500 to earn dividends.

10

The views expressed in the reviews are solely those of the individuals posting them. The testimonials are substantively the words of the individual reviewer, but may have undergone some minor clerical revisions to ensure readability, add context, or protect private information.