Free Active Duty Checking™
Included With All Navy Federal Checking Accounts
- Navy Federal Debit Card with Zero Liability protection
- No monthly service fee5
- Dividends credited monthly
- Digital banking with Mobile Deposits* and Bill Pay
- Checking Protection Options to make sure you’re covered
- Free traditional name-only checks6 with easy online ordering
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
-
Navy Federal Debit Card
Accepted at millions of locations worldwide. Secure and convenient. Activate your debit card today.Learn Moreabout Navy Federal Debit Card -
Switch to Paperless Statements
Reduce waste while increasing your account security. Make the switch to paperless statements.Learn Moreabout Switch to Paperless Statements
Disclosures
A qualifying Military Direct Deposit of Net Pay (DDNP) must post to your Free Active Duty Checking account within 90 days of account opening. DDNP consists of an electronic deposit of wages, pension and/or social security benefits. Any other transfers of funds, including Mobile Deposits and/or ATM deposits, are not considered DDNP and do not qualify. Allotments do not qualify as DDNP. If the Military Direct Deposit stops for more than 90 days, the account converts to a Free EveryDay Checking account.
↵Up to $20.00 in ATM fee rebates per statement period.
↵Members with Free Active Duty Checking accounts will receive their Direct Deposit of Net Pay (DDNP) one business day early.
↵Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 12/07/2020. Fees may reduce earnings.
↵For Flagship Checking, no monthly service fee if average daily balance is $1,500 or more; $10 if less than $1,500.
↵Free Active Duty Checking™ account includes free personalized traditional checks.
↵