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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
No Monthly Service Fee
Qualifying Military Direct Deposit required
ATM Fee Rebates
Up to $20 per statement period
Minimum Balance
None
Checks
Free personalized traditional checks
The Easy, Fast, & Free account that allows you to do everything from paying bills and making deposits to splitting a tab or paying for a ride—all from the convenience of your phone.*
No Monthly Service Fee
Qualifying Direct Deposit required3
ATM Fee Rebates
Up to $10 per statement period
Minimum Balance
None
Checks
If you're a full-time student ages 14-24 looking for electronic convenience and ATM fee
rebates with no minimum
balance requirement
No Monthly Service Fee
Must be ages 14-24
ATM Fee Rebates
Up to $10 per statement period
Minimum Balance
None
Checks
If you're looking for a basic checking account with no
monthly fee and no minimum balance requirement
No Monthly Service Fee
ATM Fee Rebates
Not applicable
Minimum Balance
None
Checks
Our premier checking account allows you to earn tiered dividends based on your account balance. Plus, get ATM fee rebates.
No Monthly Service Fee
If average daily balance is $1,500 or more; $10 if less than $1,500
ATM Fee Rebates
Up to $10 per statement period; Direct Deposit required
Minimum Balance
None; $1,500 to earn dividends
Checks
 
Pays
Dividends
ATM Fee Rebates
(PLUS® System Transaction Charges)
Access to thousands of free ATMs
Account Access and
Bill Pay
Minimum
Balance to Open
Service Fee
(Per statement period)
Checks
 
For the military
Yes
Up to $20 per statement period
Free
Free
None
None
Qualifying Military Direct Deposit required
Free personalized traditional checks
ATM Fee Rebates
Yes
Up to $10 per statement period
Free
Free
None
None
Qualifying Direct Deposit required3
For full-time students (ages 14-24)
Yes
Up to $10 per statement period
Free
Free
None
None; must be ages 14-24
Basic account
Yes
Not applicable
Free
Free
None
None
Provides tiered dividends
Yes, based on balance.
Tiers: $1,500-$9,999
$10,000-$24,999
$25,000 & over
Up to $10 per statement period; Direct Deposit required
Free
Free
None; $1,500 to earn dividends
None if average daily balance is $1,500 or more; $10 if less than $1,500
Included With All Navy Federal Checking Accounts
1A qualifying Military Direct Deposit of Net Pay must post to your Active Duty Checking account within 90 days of account opening. Allotments do not qualify as Direct Deposit of Net Pay. If the Military Direct Deposit stops for more than 90 days, the account converts to an EveryDay Checking account.
2Free Active Duty Checking account includes free personalized traditional checks.
3To maintain eligibility for an eChecking account, you must set up direct deposit, or conduct at least 20 Navy Federal Debit Card transactions per statement period. If one of these requirements is not met for 90 consecutive days, the account converts to an EveryDay Checking.
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