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Checking amplified, banking simplified

Get supercharged checking with free all-in-one money management.

Open now

Powerful tech. More insights. More control.

  • I can be fee-free

    Your money goes further when you’re not paying monthly service fees,Footnote [1] ATM feesFootnote [2] or non-sufficient funds fees. And, if you accidentally spend more than you have, you have a choice of overdraft protection plans.

  • I'm ready for anything

    You can view all your accounts and investments in your personalized dashboard—even those at other banks. Plus, you can even monitor your credit score—for free! 

  • My money moves at my speed

    Setting up direct deposit is lightning fast. You can pay bills, split costs or buy what you need in seconds. And, with Zelle®Footnote [3] built in, it’s easy to send money to friends and family—even if they don’t bank with us. And there’s no fee!

  • My credit is under control

    The recurring payment reporting tool powered by Bloom+Footnote [4] can help build your credit history. Turn payments you're already making—like rent, cell phone and utilities—into credit-building opportunities.Footnote [5]

Compare checking accounts and apply online

    Business Checking Accounts

    Designed specifically for business owners. Earns dividends to multiply your money and includes secure access to digital banking. Requires business membership.

    Learn more about Business Checking AccountsFree Campus Checking AccountFlagship Checking Account Free EveryDay Checking Account Free Active Duty Checking 

    about Free Campus Checking Accountabout Flagship Checking Account about Free EveryDay Checking Account


    Free Active Duty Checking 

     

You can open a checking account online—instantly

  • Choose the account that fits you best and click the Open Now button. A sign-in screen will appear.

  • Sign in, confirm your contact information and complete the rest of the short form.

  • Click Submit.

If you’re not already a Navy Federal member, confirm your eligibility and join.
(You can apply online, visit a branch or call us.) 

    Your security is a priority 

    Relax knowing your money and personal details are safe with an enhanced set of security strategies and systems. State-of-the-art fraud prevention systems protect you around the clock. Plus, you can check your security health in seconds using our free mobile app* or online.

Award-winning support

We have 380+ branches worldwide. Looking for fee-free ATMs? Use ours or any of the 30,000+ fee-free CO-OP ATMs across the US and Canada. If you have a question or a glitch, you can reach a real person—real fast. Chat with us online. Visit a branch. Call us anytime—our award-winning team is here 24/7, even at 3 am on holidays!

    Here's what our members say:

    "I love banking with NFCU, the online services flow smoothly, the customer service is exemplary and all my accounts pay me to be here!"Footnote [6]

    -Navy Federal Member Georgia

See how my MakingCents makes banking better

    Video Transcript for What Makes Up Your Credit Score?

    (SPEECH)

    Federal but other financial institutions when you add your accounts, all from our secure online banking site.

     

    You'll

     

    (DESCRIPTION)

    A woman sits on a couch and smiles as she scrolls on a smartphone. Graphic, a laptop with a lock on the screen.

     

    (SPEECH)

    get all the answers to your financial questions. Like, what's my net worth? Am I spending too much on entertainment and food? What's my credit score? And how can I increase it? Have I saved enough? What's next?

     

    You can view all your accounts, including those outside of Navy Federal side by side, so you can make informed decisions when it comes to your financial future. You'll also get a view of all your spending patterns. And you can create a custom budget based on your average spending that works for you.

     

    Wondering where your money is going? You'll get a live view of your spending in categories you set, like food, travel, home, and more. Tools like this usually come with a subscription fee, but because you're a member, it's free. You get to choose the features that help you map your next money moves.

     

    Your financial success is our number one priority. And with My MakingCents, you'll feel inspired by your accomplishments, motivated to meet your goals, and ready to master your next mission. Let's get started.

     

    [MUSIC PLAYING]

     

    (DESCRIPTION)

    Logo, my Making Cents. Text, Let's get started!

     

    Logo and text, Navy Federal Credit Union. Army, Marine Corps, Navy, Air Force, Space Force, Coast Guard, Veterans. Our Members are the Mission. Insured by NCUA. Images used for representational purposes only; do not imply government endorsement. Small details may vary slightly from those shown.

     

Frequently asked questions

    The main difference is how they’re used. Checking accounts are for everyday spending, like paying bills and making purchases. There’s easy access to your money and typically no limits on transactions. Savings accounts are for setting money aside for future goals or unexpected expenses. Some financial institutions may limit certain savings withdrawals or transfers (for example, a set number a month). 

    Yes. You can open a Navy Federal checking account online with a $0 opening deposit/with no deposit. If you choose Flagship Checking, you'll need to maintain an average daily balance of $1,500 to avoid a monthly service fee.

    You can use Navy Federal and CO-OP’s 30,000 ATMs fee free. If you use an out-of-network ATM, several of our accounts offer ATM fee refunds. To find a fee-free ATM nearby, check out our branch and ATM locator.

Disclosures

1

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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2

Up to $10 per statement period with Free Easy Checking, Flagship, and Free Campus Checking accounts; up to $20 per statement period with Free Active Duty Checking®.  Direct deposit required in order to receive ATM fee rebates for Flagship Checking.

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3

Zelle® and the Zelle®-related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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4

Using Bloom+ does not guarantee any specific results, including any improvement to your credit score. The Bloom+ service is intended to help enrich the data set that is used to calculate your credit score by using alternative repayment history that is commonly not used in various credit score models. There are many factors that are generally used in credit score models, and, therefore, Bloom+ cannot predict with certainty how its service will change your credit score, nor can Bloom+ control which credit scoring models will take the furnished repayment data through Bloom+ into consideration.

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5

Bloom+ reports eligible recurring bills to TransUnion.

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6

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.

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The Contactless Indicator, consisting of 4 graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.