Checking Accounts & the Navy Federal Debit Card
With cutting-edge tech and tools all in one place, it's simple to manage your money.
I Can Be Fee-Free
Your money goes further when you’re not paying monthly service fees,Footnote 1 ATM feesFootnote 2 or non-sufficient funds fees. And, if you accidentally spend more than you have, you have a choice of overdraft protection plans.
My Money Moves at My Speed
Pay bills, split costs or buy the things you need—you can do it all easily and securely in seconds. A lightning-fast direct deposit setup makes depositing your paycheck faster and easier. And, with Zelle®Footnote 3 built into our banking app,* you can send money to friends and family—even if they don’t bank at the same place.
I’m Ready for Anything
To make the right decisions and get to the next level, you can get a complete picture of your finances and a way to manage your money effectively. Your personalized dashboard can show all your accounts and investments in one place—even those from other banks.
My Credit Is Under Control
With our innovative new feature powered by Bloom+, you have an opportunity to build and improve your credit—whether you have little or no credit, have poor credit or just want to increase your score. You can directly report certain recurring bill payments to credit bureaus that lenders typically don’t report—like rent, cell phone or utility payments.
My Security Is a Priority
You can relax knowing your money and personal details are safe with an enhanced set of security strategies and systems. State-of-the-art fraud prevention systems protect you around the clock. Plus, you can check your security health in the app in seconds.
Award-Winning Support
We have more than 365 branches worldwide. In addition to our ATMs, you have access to a network of 30,000+ fee-free CO-OP ATMs in the US and Canada. And, if you have a question or a glitch, you can reach a real person—real fast. Chat with us online. Visit a branch. Call us anytime. Our award-winning team is here by phone 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.
Here's what our members 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 4
-Navy Federal Member Georgia
See How My MakingCents Makes Banking Better
I Have More Money In My Wallet
At Navy Federal, you’ll earn money on your money, just by banking with us. And, with our network of thousands of fee-free ATMsFootnote 5 and ATM fee reimbursement, you keep more of your money in your wallet—where it belongs. Check out how we compare to others.
| ACCOUNT | MONTHLY FEE | DIVIDEND RATE | OVERDRAFT FEE WITH OVERDRAFT SAVINGS TRANSFER | ATM FEE REIMBURSEMENT |
|---|---|---|---|---|
| Navy Federal Free Easy Checking | $0 | 0.05%Footnote 6 | $0 | Up to $120/yearFootnote 2 |
| USAA Classic Checking† | $0 | 0.01% with a min. daily ledger balance of $1K+ | $0 | Up to $120/year |
| Bank of America Advantage SafeBalance Banking† | $4.95—waived under certain circumstances | 0.00% | $0 | $0 |
| Capital One 360 Checking† | $0 | 0.10% | $0 | $0 |
| Chase Total Checking®† | $12—waived under certain circumstances | 0.00% | $0 | $0 |
| Wells Fargo Everyday Checking®† | $10—waived under certain circumstances | 0.00% | $0 | $0 |
† Excludes institutions' special promotions, rates, and fees.
Information accurate as of 5/7/25. Refer to institutions for current rates and fees.
Disclosures
For Flagship Checking, no monthly service fee if average daily balance is $1,500 or more; $10 if less than $1,500.
↵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.
↵Zelle® and the Zelle®-related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
↵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.
↵There are no fees for members who use their Navy Federal Debit Card at Navy Federal-owned and CO-OP Network® ATMs, in addition to participating California Walgreens.
↵Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 06/22/2025. Fees may reduce earnings.
↵The Contactless Indicator, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.