Free Active Duty Checking®
Get Your Pay Early With This Exclusive Military Checking AccountFootnote 1
Service has its rewards. Early pay and ATM fee refundsFootnote 2 are standard issue for Active Duty, retired servicemembers and reservists. Free Active Duty Checking® requires qualifying direct deposit.
Not yet a member? Check eligibility and apply now.
You Have an Account That Gives You the Perks You Deserve
Manage your money in a flash—whether you’re stateside, overseas or deployed. Plus, you’ll earn more on your money than you would with a regular checking account.
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Get Your Money Faster
You can access your military pay a day sooner.
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Put Money Back in Your Pocket
We’ll refund up to $240 a year in ATM fees.Footnote 2
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Earn and Save More
You’ll earn a 0.05% dividend rate/0.05% APY.Footnote 3
You Can Simplify Your Finances and Your Life
Your money goes further with this supercharged account, and because it’s military focused, you can move your money at your speed. You can do just about anything you can do at a branch with our mobile app* and online banking—even apply for loans. And, all Navy Federal checking accounts offer:
- personalized financial tips and insights in your My MakingCents dashboard
- customized dashboard for a complete view of your finances
- easy-to-use credit monitoring and credit building tools
- lightning-fast direct deposit setup through Truv®
- no monthly service feesFootnote 4 and checking protection options to meet your needs
- cutting-edge digital banking* that includes budgeting tools and a spend tracker
How Do I Get Early Access to My Pay?Footnote 5
Follow our simple instructions to sign up for direct deposit to access your military 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.
Permanent Change of Station (PCS) Resources
When you get new orders, there are lots of details to manage. Our PCS hub has what you need to help make your move go smoother, like a calculator to work out a moving budget, resources for home buying and vehicle prep and a checklist of moving to-dos.
Check It Out! Our PCS hubPermanent Change of Station Resources
Checking Resources
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Navy Federal Debit Card
Accepted at millions of locations worldwide. Secure and convenient. Activate your debit card today.
Learn More about Navy Federal Debit Card -
Mobile and Online Banking
Access your account, pay your bills, make deposits and more—conveniently and securely with our digital banking.*
Learn More about Mobile and Online Banking -
Add Money to Your Accounts
Our convenient transfer and deposit options make it easy to put your money where you need it to be.
Learn More about Add Money to Your Accounts -
Switch to Paperless Statements
Reduce waste and increase your account security. Make the switch to paperless statements today!
Learn More about Switch to Paperless Statements
Disclosures
A qualifying military direct deposit must post to your Free Active Duty Checking account within 180 days of account opening. If the military direct deposit stops for more than 180 days, the account converts to a Free EveryDay Checking account.
↵Up to $20.00 in ATM fee rebates per statement period.
↵Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 07/10/2025. 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.
↵Members with Free Active Duty Checking® accounts will receive their direct deposit one business day early.
↵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.