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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


  • 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


  • 0.05% APY4
  • 0.05% Dividend Rate

Free 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



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.


Members with Free Active Duty Checking® accounts will receive their Direct Deposit 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 06/16/2024. 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.

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