Bank The Way You Live

From paying bills and making deposits to splitting a tab or paying for a ride—do it all with free and easy checking. Plus, get up to $120 a year in ATM fee rebates.2

Open NowOpen an Easy Checking Account

Become a Member


  • ATM fee rebates (up to $120 a year)2
  • No monthly service fee3 with qualifying direct deposit required1
  • No minimum balance requirement
  • Dividends credited monthly
  • Checking Protection Options to make sure you’re covered

Best For:

  • Easy, no-hassle checking
  • Customized account management
  • Mobile banking*


0.05% Dividend Rate

0.05% APY4

Included With All Navy Federal Checking Accounts

Direct Deposit—The Safe Way to Get Paid

Access your funds right away and reduce your risk of ID theft and mail fraud. Set up is simple.

  • Immediate access to your money
  • Reduced risk of ID theft or mail fraud
  • No cost to enroll
Learn More About Direct Deposit

Checking Resources

View More Checking Resources


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 three consecutive statement periods, the account will be converted to a Free EveryDay Checking account at the end of the third statement period.

2 Up to $10 per statement period.

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

4 Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 12/02/2020. Fees may reduce earnings.

5 Free Active Duty Checking account includes free personalized traditional checks.