Checking Accounts & the Navy Federal Debit Card
Making the Most of Your Money Starts Here
No matter which account you choose, you can be sure every penny counts.
Earn More and Save More
You want to find every way possible to make your money go further. Navy Federal accounts offer you:
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Dividends and Reimbursed ATM Fees
Every one of our accounts earns dividends. So you earn $ on your money, just by depositing it with us! And, If you use out-of-network ATMs, some accounts give you up to $120+ a year in ATM fee refunds.Footnote 1
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Overdraft Protection and Fee-Free Accounts
With our Overdraft Savings Transfer, Checking Line of Credit and Optional Overdraft Protection Service (OOPS), you’re covered if you accidentally spend more than you have. Plus, there’s no service fee to pay each month.
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Military Pay a Day Early
Active Duty and retired military with a Free Active Duty® Checking account can access their pay a day early.
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Sky-High Certificate Rates
Transfer funds from your checking account with just a tap, and earn more money with a certificate. Check out our rates.
Manage Your Money in Multiple Ways
Paying bills, splitting costs or buying the things you need—built-in tools move money easily and securely in seconds. Each checking account comes with:
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Digital Banking
Check balances, make deposits, payments, and transfers, connect to your mobile wallet and apply for credit—all from our superb app* or easy online banking.
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Debit Payments
Easily link your tap-to-pay card to your digital wallet and online merchants. Get your card right away at any branch. Card number available instantly when you open an account online.
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Send Money Quickly
With Zelle®, you can split a tab or a rideshare, send birthday money, pay a babysitter and more. Easily send money to friends and family on the spot—even if they don’t bank at the same place.
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New Lightning-Fast Direct Deposit Setup
No phone calls. No email. 100% online. Setting up direct deposit for your paycheck couldn’t be faster or easier.
Rely on Us to Be Your Money Mentor
To make the right decisions and get yourself to the next level, you need a complete picture of your finances. With your built-in money tools, there’s no need to download other apps or use other financial services to manage your money effectively. Plus, you can see what’s happening with your credit—at no extra charge.
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All-in-One View
See all your accounts and investments in one place—even from other banks. Plus, monitor and improve your credit with our cutting-edge My MakingCents tool.
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Planning Help
Talk to a personal finance management counselor for free personalized financial guidance. Use our My MakingCents tool to create a budget, track where you spend the most and more, so you can stay on target.
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Fast Customizable Notifications*
Get alerted on current balance, deposit confirmations, fraud, when payments are due and more.
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Innovative Credit Monitoring Tool
Monitor your credit score, view your credit report and even simulate changes to your credit with our My MakingCents tool.
Secure Your Finances With Top-Tier Protection
Your money and personal details are safe. Relax knowing you have an enhanced set of security strategies, systems and tools to keep your private information protected.
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24/7 Account Monitoring
Our state-of-the-art fraud prevention systems defend you against fraud around the clock.
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Zero Liability Policy Protection
You won’t lose money because of confirmed unauthorized use of your account.
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Instant Security Check
Check your security health in our app in seconds.
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Tips and Resources
We show you ways to improve your cybersecurity and how to stop fraudsters in their tracks.
Receive Award-Winning Support
You have access to more than 365 branches worldwide. Plus, in addition to our Navy Federal ATMs, you have access to a network of 30,000+ fee-free CO-OP ATMs in the US and Canada. And, when you have a question or a glitch, you can reach a real human—real fast. Chat with us online. Visit a branch. Call us anytime. Our award-winning team is here 24/7, even at 3 am on holidays!
Choose the Checking Account That's Right for You
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!"Footnote 2
-Navy Federal Member Georgia
See How My MakingCents Makes Banking Better
Disclosures
Up to $10 per statement period with Free Easy Checking, Flagship, and Free Campus Checking accounts; up to $20 per statement period with Free Active Duty Checking®. Direct deposit required in order to receive ATM fee rebates for Flagship Checking.
↵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 minor clerical revisions to ensure readability, add context, or protect private information. Any imagery displayed is for decorative purposes only and is not necessarily associated with the reviewer.
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