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

Open Now an Active Duty Checking Account

Become a Member


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

Best For:

  • Active Duty Personnel
  • Reservists
  • Retired Armed Forces Personnel


  • 0.05% APY4
  • 0.05% Dividend Rate

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



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.