Free Campus Checking
Make Your Money Moves Easy
If you’re a busy teen or college student age 14-24, a Free Campus Checking Account makes it easy to make deposits, share expenses or pay for what you need—no matter where you are. Plus, check your balance or withdraw $ any time for free with our network of 30,000+ ATMs.Footnote 1
Not yet a member? Check eligibility and apply now.
Your Account Matches Your Life
From ordering food or a ride, to sending money to friends and paying rent, get the account that makes it all happen—fast. And, if you accidentally overspend, we’ve got you covered with overdraft protection options!
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Open With Any Amount
There’s no minimum balance requirement.
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Put Money Back in Your Pocket
We’ll give you back up to $120 a year in ATM fees.Footnote 2
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Earn and Save More
Get a 0.05% Dividend Rate/ 0.05% APY.Footnote 3
You Can Bank Smarter, Not Harder
If want to make the most of your money and wish you could simplify managing it, you have a set of built-in tools and tech that do just that! And, if you have a question or problem to solve, our reps are available by phone, 24/7. All Navy Federal checking accounts include:
- customized financial tips in your My MakingCents dashboard on topics like budgeting, all things credit cards and ways to start saving
- built-in personalized dashboard to see what’s happening in all your accounts in one place—even ones from other banks
- 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 mobile app* and online banking with budgeting extras like a spend tracker
Checking Resources
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Direct Deposit
Get fast access to your paycheck when you have it automatically deposited to your account. It’s simple to set up.
Learn More about Direct Deposit -
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 -
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
Disclosures
There are no fees for members who use their Navy Federal Debit Card at Navy Federal-owned and CO-OP Network® ATMs, in addition to participating California Walgreens.
↵Up to $10.00 in ATM fee rebates per statement period. Direct deposit required to receive ATM fee rebates for Flagship Checking.
↵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.
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