Navy Federal Credit Union
Navy Federal Credit Union

Checking Opportunities Compared

At Navy Federal, you'll find checking accounts that earn dividends, make money management easy and most important-fit your life. Use the following chart to compare features for our checking accounts:

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Features & Benefits
Check out the choices and decide which one is for you!
Dividends earned from day of deposit to day of withdrawal
Free unlimited check writing
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Active Duty Checking®
Designed for military life—ATM fee rebates up to $20, free checks for the life of the account, and the freedom to access your military pay Direct Deposit one business day earlier
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e-Checking
You're looking for electronic convenience with ATM fee rebates
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EveryDay Checking
You're looking for a basic checking account with unlimited transactions and no minimum balance requirement
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Flagship Checking
You maintain a large daily checking balance and are interested in earning dividends and ATM fee rebates
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Campus Checking
You're a full-time student ages 14—21, looking for electronic convenience without a minimum balance requirement and ATM fee rebates
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Minimum Balance Requirements & Monthly Service Fees
No minimum balance required to open account
Monthly service fee per statement period
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None; Active Duty Direct Deposit required
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None with Direct Deposit, otherwise $5
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None
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None if average daily balance is $1,500 or more; $10 if less than $1,500
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Cards / ATMs / ATM Rebates
Free Visa® Check Card
PLUS® System ATM fee rebates
No-fee transactions at
Navy Federal ATMs
No-fee CO-OP Network®, MoneyPass®, and CashPoints® ATM transactions
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24-hour Electronic Banking Services
Free online banking
Free Bill Pay
Free automated telephone access
Free online check images
Free online statements
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Check Orders
Order checks online
Free standard, single-part, name-only checks
Numerous check styles and accessories available at an additional cost
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Free Traditional/ Military wallet or wallet duplicate checks for the life of the account
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Member Service Representative Services
Free teller transactions at branch offices
Free person-to-person phone transactions
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Additional Features
Earns tiered dividends based on account balance
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Additional Benefits
Overdraft Line of Credit available (subject to credit approval
Free notary service (up to two documents per week) (certain restrictions apply/not available in all areas)
Free cashier's checks
Free incoming wires
Free Direct Deposit
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Must maintain a minimum daily balance of $1,500.00 to earn dividends.
Up to $20 maximum per statement cycle.
Up to $10 maximum per cycle.  Flagship Checking requires Direct Deposit to receive rebate.

  • Mortgages5/5 ARM as low as+
    3.403%APR
  • Auto Loansas low as+
    1.49%APR
  • Certificatesas high as
    3.00%APY
  • Checkingas high as
    0.45%APY
  • Credit Cardsas low as++
    7.99%APR
  • More Rates