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EveryDay Checking for Everyone

With our standard account, you’ll pay no monthly fee, have no minimum balance requirement and earn dividends on your balance.

Open Now Open an Everyday Checking Account

Become a Member


  • No monthly service fee
  • No opening deposit requirement
  • No minimum balance requirement

Best For:

  • Anyone who wants a flexible standard account for everyday use
  • Those with lower account balances


  • 0.01% APY1
  • 0.01% Dividend Rate

Included With All Navy Federal Checking Accounts

Included With All Navy Federal Checking Accounts

Bank Smarter Daily

Free Everyday Checking makes it easy to:

Checking Resources

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Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 06/18/2024. 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.


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


Zelle® is available to bank account holders in the U.S. only. To receive money in minutes, the recipient's email address or U.S. mobile number must already be enrolled with Zelle®. Zelle® and the Zelle®-related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Note: This service is not intended to replace the current member-to-member transfer options Navy Federal offers. It is available for members who do not have the option to complete an internal transfer or an ACHO (Automated Clearing House Operation) with an account and routing number. Members can also send funds to non-Navy Federal members.

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