To continue enjoying all the features of Navy Federal Online, please use a compatible browser. You can confirm your browser capability here.

Included With All Navy Federal Checking Accounts

Checking Accounts

Free Active Duty Checking®

Designed for Active Duty or retired military life, you can now access your military pay 1 day earlier. Account requires 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
  • No minimum balance requirement
  • Free personalized checks

Rates:

  • 0.05% APY5
  • 0.05% Dividend Rate
Terms & Conditions for Active Duty Checking
Open Now a free Active Duty Checking account Learn More about Active Duty Checking accounts

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. Account requires qualifying direct deposit.6

Features:

  • ATM fee rebates (up to $120 a year)7
  • No monthly service fee
  • No minimum balance requirement
  • Dividends credited monthly
  • Checking Protection Options to make sure you’re covered

Rates:

  • 0.05% APY5
  • 0.05% Dividend Rate
Terms & Conditions for Easy Checking
Open Now a free Easy Checking account Learn More about Easy Checking accounts

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)7
  • No monthly service fee
  • No minimum balance requirement

Rates:

  • 0.05% APY5
  • 0.05% Dividend Rate
Terms & Conditions for campus checking accounts
Open Now a free Campus Checking account Learn More about Campus Checking accounts

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 opening deposit requirement
  • No minimum balance requirement

Rates:

  • 0.01% APY5
  • 0.01% Dividend Rate
Terms & Conditions for everyday checking accounts
Open Now a free Everyday Checking account Learn More about Everyday Checking accounts

Flagship Checking

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

Features:

  • 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

Rates:

  • 0.35% to 0.45% APY9
  • 0.35% to 0.45% Dividend Rate
Terms & Conditions for flagship checking accounts
Open Now a Flagship Checking account Learn More about Flagship Checking accounts

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

Ready to Make the Switch?

Get started in 3 easy steps.

Make the Most of Your Navy Federal Debit Card

Secure. Convenient. Smart.

Learn More about the Navy Federal debit card

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

Why Choose Navy Federal?

Navy Federal is dedicated to serving military members and their families. We provide exclusive benefits, services and tools to help our members reach their financial goals.

Join Today

Checking Resources

View MoreChecking Resources

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 09/16/2021. Fees may reduce earnings.

↵
6

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.

↵
7

Up to $10.00 in ATM fee rebates per 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 09/16/2021. Fees may reduce earnings. Must maintain a daily ending balance of at least $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 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.

↵

The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.