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Powered-Up Checking for Fully Integrated Banking

Powered-Up Checking for Fully Integrated Banking

We've supercharged our checking accounts to give you all-inclusive money management that keeps up with the speed of you.

Not yet a member? Find out if you're eligibile.

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:


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:

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • Fast Customizable Notifications*

    Get alerted on current balance, deposit confirmations, fraud, when payments are due and more.

  • 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.

  • 24/7 Account Monitoring

    Our state-of-the-art fraud prevention systems defend you against fraud around the clock.

  • Zero Liability Policy Protection

    You won’t lose money because of confirmed unauthorized use of your account.

  • Instant Security Check

    Check your security health in our app in seconds.

  • 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

Free Active Duty Checking®

Designed for Active Duty or retired military life, you can now access your military pay 1 business day earlier. Account requires qualifying direct deposit.


Free Easy Checking

Simplifies banking on the go—it’s 100% digital. Get e-statements, move money electronically and more. Includes ATM fee rebates. Account requires qualifying direct deposit.


Free EveryDay Checking

This is our standard, basic account. All members are eligible for this requirement-free, fee-free account.


Flagship Checking

Earn more money on your money—the higher your balance, the greater your dividends. Includes ATM fee rebates.


Free Campus Checking

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


Business Checking Accounts

Designed specifically for business owners. Earns dividends to multiply your money and includes secure access to digital banking. Requires business membership.

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

Video Transcript for What Makes Up Your Credit Score?

(SPEECH)

[MUSIC PLAYING]

 

(DESCRIPTION)

A man and woman with three children and a stroller at an amusement park.

 

(SPEECH)

NARRATOR: We get that your financial health and goals are unique to you. And we know getting the full picture of your financial status is pretty hard when you don't have the tools you need. The

 

(DESCRIPTION)

A woman in a military uniform discusses notifications on her phone with a man in a Navy Federal Credit Union shirt. Notifications from various digital banking apps begin to appear on the screen.

 

(SPEECH)

solution, My MakingCents. For the first time ever, from our secure banking site, you can get a 360 degree view of your money, not only at Navy

 

(DESCRIPTION)

My making cents webpage appears, showing a credit score tracker, spending tracker, budget tracker and recent account transactions.

 

(SPEECH)

Federal but other financial institutions when you add your accounts, all from our secure online banking site.

 

You'll

 

(DESCRIPTION)

A woman sits on a couch and smiles as she scrolls on a smartphone. Graphic, a laptop with a lock on the screen.

 

(SPEECH)

get all the answers to your financial questions. Like, what's my net worth? Am I spending too much on entertainment and food? What's my credit score? And how can I increase it? Have I saved enough? What's next?

 

You can view all your accounts, including those outside of Navy Federal side by side, so you can make informed decisions when it comes to your financial future. You'll also get a view of all your spending patterns. And you can create a custom budget based on your average spending that works for you.

 

Wondering where your money is going? You'll get a live view of your spending in categories you set, like food, travel, home, and more. Tools like this usually come with a subscription fee, but because you're a member, it's free. You get to choose the features that help you map your next money moves.

 

Your financial success is our number one priority. And with My MakingCents, you'll feel inspired by your accomplishments, motivated to meet your goals, and ready to master your next mission. Let's get started.

 

[MUSIC PLAYING]

 

(DESCRIPTION)

Logo, my Making Cents. Text, Let's get started!

 

Logo and text, Navy Federal Credit Union. Army, Marine Corps, Navy, Air Force, Space Force, Coast Guard, Veterans. Our Members are the Mission. Insured by NCUA. Images used for representational purposes only; do not imply government endorsement. Small details may vary slightly from those shown.

 

Disclosures

1

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.

2

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.