Free Easy Checking
Free Easy Checking
Simple checking for better budgeting—right at your fingertips with Free Easy Checking.Footnote 1
Not yet a member? Check eligibility and apply now.
Checking Designed With You in Mind
Free Easy Checking is your next simple step to achieving your financial goals. Set yourself up for smart money management and digital banking* the way you want it with these great features.
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Put Money Back in Your Pocket
We’ll refund 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
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Bank Securely With Built-In Tools
Simplify your money management with fully digital checking—on the app* or online.
You Want High-Performance Banking
Make faster progress toward your goals with a robust, personalized experience built around what’s most important to you. All of our checking accounts offer:
- An all-in-one financial view and insights through your personalized dashboard
- Credit monitoring, plus the ability to build credit when you report on-time bill payments
- Lightning-fast direct deposit setup via Truv®
- No monthly service feesFootnote 4 and checking protection options if you overdraw your account
You Want More Money In Your Wallet
Earn money on your money—with no extra effort needed from you. Plus, with overdraft protection, ATM fee refunds, and access to thousands of fee-free ATMs,Footnote 5 you can keep more of your money. See how we compare to others.
| ACCOUNT | MONTHLY FEE | DIVIDEND RATE | OVERDRAFT FEE WITH OVERDRAFT SAVINGS TRANSFER | ATM FEE REIMBURSEMENT |
|---|---|---|---|---|
| Navy Federal Free Easy Checking | $0 | 0.05%Footnote 3 | $0 | Up to $120/yearFootnote 6 |
| USAA Classic Checking† | $0 | 0.01% with a min. daily ledger balance of $1K+ | $0 | Up to $120/year |
| Bank of America Advantage SafeBalance Banking† | $4.95—waived under certain circumstances | 0.00% | $0 | $0 |
| Capital One 360 Checking† | $0 | 0.10% | $0 | $0 |
| Chase Total Checking®† | $12—waived under certain circumstances | 0.00% | $0 | $0 |
| Wells Fargo Everyday Checking®† | $10—waived under certain circumstances | 0.00% | $0 | $0 |
† Excludes institutions' special promotions, rates, and fees.
Information accurate as of 5/7/25. Refer to institutions for current rates and fees.
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
Online, over the phone or at the store—you can use your card securely at millions of locations. Activate it 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
To maintain eligibility for a Free Easy Checking account, you must set up direct deposit or conduct at least 20 Navy Federal Debit Card transactions (any combination of posted debit card purchases or ATM withdrawals) per statement period across all primary checking accounts. Qualifying debit card transactions include: purchases made using PIN, signature, online, phone, or mobile wallet; and withdrawals at Navy Federal or non-Navy Federal ATMs. Non-qualifying transactions include: transfers, inquiries, deposits, and denied transactions at an ATM (Navy Federal or non-Navy Federal); and Automated Clearing House (ACH) transactions. If the account does not meet either requirement for six consecutive statement periods, the account will be converted to the Free EveryDay Checking account at the end of the sixth statement period.
You may qualify for direct deposit if you have (1) a recurring ACH from employer, military pay, or certain government agency pay or benefits in your name that is deposited into a Navy Federal deposit account where you are Primary or Secondary Owner; OR (2) Mobile deposits, ATM deposits, or Branch deposits totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (3) monthly Non-payroll ACH totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (4) monthly Non-payroll ACH totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Secondary Owner.
↵Up to $10.00 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 06/21/2025. 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.
↵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 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.
↵The Contactless Indicator, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.