Are You Currently Serving in the Military?

Find the checking account that best fits your lifestyle.

Are you between the ages of 14 and 24?

Will your Direct Deposit be funded through DFAS or another qualifying military agency?

Do you typically maintain a balance of $1,500 or more?

Which do you prefer:

Will your account include Direct Deposit to Navy Federal?

Do you typically maintain a balance of $1,500 or more?

For you we recommend:

View the details page for the recommended Free Active Duty Checking checking account.

  • ATM fee rebates (up to $240 a year)1
  • Early access to military pay with direct deposit2
  • No monthly service fee; qualifying military direct deposit required
  • No minimum balance requirement
  • Free personalized checks

For you we recommend:

View the details page for the recommended Flagship Checking checking account.

  • Tiered dividends based on balance
  • ATM fee rebates with direct deposit (up to $120 a year)4
  • No Monthly Service Fee if average daily balance is $1,500 or more; $10 if less than $1,500

For you we recommend:

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 1 day earlier with a qualifying direct deposit.

Features:

  • ATM fee rebates (up to $240 a year)1
  • Early access to military pay with direct deposit2
  • No monthly service fee; qualifying military direct deposit required
  • No minimum balance requirement
  • Free personalized checks

Rates:

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)3
  • No monthly service fee; qualifying direct deposit required5
  • No minimum balance requirement

Rates:

Free Campus Checking

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

Features:

  • ATM fee rebates (up to $120 a year)3
  • No monthly service fee
  • No minimum balance requirement

Rates:

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:

Flagship Checking

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

Features:

  • Tiered dividends based on balance
  • ATM fee rebates with direct deposit (up to $120 a year)4
  • No Monthly Service Fee if average daily balance is $1,500 or more; $10 if less than $1,500

Rates:

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

Checking Resources

View More Checking Resources

Disclosures

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

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

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

4 Up to $10 in ATM fee rebates per statement period. Direct deposit required to receive ATM fee rebates for Flagship Checking.

5 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 three consecutive statement periods, the account will be converted to the Free EveryDay Checking account at the end of the third statement period.

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

7 Free Active Duty Checking™ account includes free personalized traditional checks.