To continue enjoying all the features of Navy Federal Online, please use a compatible browser. You can confirm your browser capability here.

Higher Balance. Higher Dividends.

Earn more money on your money—the higher your balance, the greater your dividends. Plus, you’ll get back up to $120 a year in ATM fee rebates.1

Open Now to get a Flagship Checking Account

Become a Member


  • Tiered dividends based on balance (earn dividends with a daily ending balance of at least $1,500)
  • ATM fee rebates with direct deposit (up to $120 a year)1
  • No monthly service fee if average daily balance is $1,500 or more; $10 if less than $1,500

Best For:

  • Higher account balances
Tiered Rates for the Flagship Checking
$0-$9,999: 0.35%
$10,000-$24,999: 0.40%
$25,000 & over: 0.45%

Included With All Navy Federal Checking Accounts

Celebrate! New Tiers and Higher Rates on Our Jumbo Money Market Savings Accounts

Enjoy more options and guaranteed returns on your money.

See the Rates

Direct Deposit—The Safe Way to Get Paid

  • 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 MoreChecking Resources



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 02/07/2023. 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.


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

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.