Flagship Checking
Earn Higher Dividends With Flagship Checking
It pays to keep $1,500 or more in your checking account. With a Flagship Checking account, the higher your balance, the more you earn—an effortless way to help you maximize your money.
Not yet a member? Check eligibility and apply now.
You Bank Smarter, Not Harder
Track spending and see all your accounts and investments in one place—even from other banks! And, with a daily ending balance of at least $1,500, you’ll unlock tiered dividends. Your Flagship Checking account includes outstanding perks:
Put Money Back in Your Pocket
We’ll refund up to $120 a year in ATM fees.Footnote 1
Relax, You’re Protected
Your money and your info are secure. We monitor your account 24/7 with state-of-the-art fraud prevention systems.
Earn More by Banking With UsFootnote 2
0.35% APY on $1,500 to $9,999
0.40% APY on $10,000 to $24,999
0.45% APY on $25,000+
You Simplify Your Finances and Your Life
Make the most of your money and simplify managing it. All Navy Federal checking accounts offer all-in-one money management tools:
- Financial tips in your My MakingCents dashboard on topics like saving and investing
- Customized dashboard for a complete view of your finances. Includes simple instructions on adding accounts from other banks
- Easy-to-use credit monitoring and credit building tools
- Lightning-fast direct deposit setup through Truv®
- No monthly service fees (if average daily balance is $1,500 or more)Footnote 3
- Cutting-edge digital banking* that includes budgeting tools and a spend tracker
Checking Resources
-
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
Accepted at millions of locations worldwide. Secure and convenient. Activate your debit card today.
Learn More about Navy Federal Debit Card -
Mobile and Online Banking
Access your account, pay your bills, make deposits and more conveniently and securely on our mobile app* or online.
Learn More about Mobile and Online Banking -
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
Up to $10.00 in ATM fee rebates per statement period. Direct deposit required to receive ATM fee rebates for Flagship Checking.
↵Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 07/16/2025. Fees may reduce earnings. Must maintain a daily ending balance of at least $1,500 to earn dividends.
↵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.