Free Easy Checking—The Way It Should Be

Managing your money shouldn't cost you anything. Do it your way with Free Easy Checking.1

Open Now open an Easy Checking account

Not yet a member?
Check eligibility and apply now.

You're in Control

Conveniently open an account in minutes through mobile* or online banking, by phone or in person at a branch—then bank on your terms with:

You Shouldn't Pay Fees

  • No monthly service fee2
  • No minimum balance
  • Free ATMs3 and fee rebates4

You Want Security

  • Insurance up to $250,000 through NCUA for all deposits
  • Protection from confirmed unauthorized charges with our Zero Liability policy
  • State-of-the-art account verification with VoiceID

Checking Resources

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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.


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 $10.00 in ATM fee rebates per statement period.