Free Campus Checking
0.05% APY1
Dividend earnings are compounded and credited monthly. Rates on various rate accounts (i.e., checking) could change after account opening. Fees may reduce earnings. Offering rates may change. See checking rates for details.
- ATM fee rebates (up to $10 per statement period)
- No monthly service fee (must be ages 14-24)
- No minimum balance requirement
Learn more about your
Navy Federal Debit Card.
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- Thousands of free ATMs nationwide
- Free traditional name-only checks2
- A Navy Federal Debit Card, accepted at millions of merchant and ATM locations
- Online banking through Navy Federal Online®
- Free Bill Pay
- Online statements
- Free Mobile* Deposits
- Easy online check ordering
- All accounts earn dividends
- Checking Protection options
- Direct deposit
1APY=Annual Percentage Yield.
2Free Active Duty Checking account includes free personalized traditional checks.
The owner of a non-Navy Federal ATM may charge a fee.
Up to $10 in ATM fee rebates per statement period.
If stopping a series of checks, the fee is $25.
- Maximum Number of Overdraft Fees Per Day
- Minimum Overdrawn Balance Required to Trigger a Fee
- Extended Overdraft Fee
Navy Federal Credit Union offers Checking Protection options in order to authorize overdraft transactions and avoid non-sufficient funds (NSF) fees.
Dispute Resolution: If you have a dispute regarding your account or the service you have received, please contact us at 1-888-842-6328.
1 Subject to Funds Availability Policy.
2 The first $200 will be available immediately, and any remaining funds will be available the second business day after the date of deposit. Deposits at nonproprietary ATMs (ATMs we do not own or operate) are not available until the fifth business day after date of deposit.
3 The first $200 of a deposit of checks will be available on or before the first business day after we receive your deposit. The remaining amount will be available for withdrawal the second business day following the date of deposit.
4 Direct Deposit is available the same business day, but at midnight.
5 Deposits that exceed $1,000 will have a portion of the deposit delayed up to two business days, and in some cases, longer. $200 will be available by the next business day.
- Student Loansas low as+
4.29%%APR - Auto Loansas low as+
2.49%APR - Certificatesas high as
3.50%APY - Checkingas high as
0.45%APY - Credit Cardsas low as++
7.49%APR
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