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

Especially for Military Active Duty, Retired Military or Reservists1

Stateside or deployed, Active Duty or retired, get ATM fee rebates and early access to military pay. Account requires qualifying direct deposit.

Open Now an Active Duty Checking Account

Become a Member

Features:

  • ATM fee rebates (up to $240 a year)2
  • Early access to military pay with direct deposit3
  • No monthly service fee
  • No minimum balance requirement
  • Free personalized checks

Best For:

  • Active Duty Personnel
  • Reservists
  • Retired Armed Forces Personnel

Rates:

  • 0.05% APY4
  • 0.05% Dividend Rate
Terms & Conditions for Active Duty Checking

Included With All Navy Federal Checking Accounts

Get Your Pay a Day Early3

Sign up for direct deposit to access your pay a full business day before the regular posting date.

Check our Military Active Duty Calendar page to see when your funds will be available each month.

Checking Resources

View MoreChecking Resources

Disclosures

1

A qualifying military direct deposit of net pay must post to your Free Active Duty Checking account within 90 days of account opening. If the military direct deposit of net pay stops for more than 90 days, the account converts to a Free EveryDay Checking account.

↵
2

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

↵
3

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

↵
4

Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 10/26/2021. Fees may reduce earnings.

↵
5

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

↵
6

Free Active Duty Checking® account includes free personalized traditional checks.

↵

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.