To continue enjoying all the features of Navy Federal Online, please use a compatible browser. Confirm your browser capability.

Free Easy Checking

Simple checking for better budgeting—right at your fingertips with Free Easy Checking.Footnote 1

Open Now

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.

  • Put Money Back in Your Pocket

    We’ll refund up to $120 a year in ATM fees.Footnote 2

  • Earn and Save More

    Get a 0.05% dividend rate/0.05% APY.Footnote 3

  • 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:

Checking Resources

View MoreChecking Resources

Disclosures

1

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.

↵
2

Up to $10.00 in ATM fee rebates per statement period.

↵
3

Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 05/17/2025. Fees may reduce earnings.

↵
4

For Flagship Checking, no monthly service fee if average daily balance is $1,500 or more; $10 if less than $1,500.

↵

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.