Bank the Way You Live

Do everything from paying bills and making deposits to splitting a tab or paying for a ride—all from the convenience of your phone.*

eChecking - Easy, Fast and Free

You'll be surprised how much you can do digitally. Download our mobile app* or use online banking for the easiest checking experience ever.

Pay No Fees

You Pay $0

Enjoy the flexibility and ease of true 24/7 anytime, anywhere checking—with no monthly service fees. To maintain eligibility for this account, you’ll need to set up direct deposit or make 20 Navy Federal Debit Card transactions per statement period (any combination of posted debit card purchases or ATM withdrawals).

Get ATM Fee Rebates2

You Get Back Up to $120 a Year

You'll have access to a network of thousands of free ATMs nationwide. Plus, you’ll be reimbursed up to $10 per statement period2 for out-of-network ATMs.

Earn Dividends

You Earn Money on Your Money

You'll have more money in your pocket for the things you want when you earn dividends every month.

Have Built-In Money Management Tools

You Bank Smarter

You can use your personal devices to:

  • track spending and pay bills automatically
  • transfer money in minutes with Zelle®3
  • apply for credit or open new accounts
  • set up 2-factor authentication for added security
  • freeze/unfreeze your account if you misplace your card

You Can Connect With Us—Easily

You're our mission. If you need help or have questions:

  • chat with us online
  • call us around the clock at 1-888-842-6328
  • visit one of our 335+ branches


1 To maintain eligibility for a Free Easy Checking account, you must set up direct deposit or conduct at least 20 Navy Federal Debit Card transactions (any combination of posted debit card purchases or ATM withdrawals) per statement period across all primary checking accounts. Qualifying debit card transactions include: purchases made using PIN, signature, online, phone, or mobile wallet; and withdrawals at Navy Federal or non-Navy Federal ATMs. Non-qualifying transactions include: transfers, inquiries, deposits, and denied transactions at an ATM (Navy Federal or non-Navy Federal); and Automated Clearing House (ACH) transactions. If the account does not meet either requirement for three consecutive statement periods, the account will be converted to a Free EveryDay Checking account at the end of the third statement period.

2 Up to $10 per statement period with Free Easy Checking account.

3 Zelle is available to bank account holders in the U.S. only. To receive money in minutes, the recipient's email address or U.S. mobile number must already be enrolled with Zelle. Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Note: This service is not intended to replace the current member-to-member transfer options Navy Federal offers. It is available for members who do not have the option to complete an internal transfer or an ACHO (Automated Clearing House Operation) with an account and routing number. Members can also send funds to non-Navy Federal members.

Navy Federal Credit Union received the highest CX Index™ score among Banks (multichannel) in Forrester’s proprietary 2019 CX Index™ survey. The ranking was based on responses from 13,334 US individuals measuring 18 Banks (multichannel). The proprietary survey results are based on consumers’ opinions of the experiences with the brands in the survey. Forrester Research does not endorse any company included in any CX Index™ report and does not advise any person to select the products or services of any particular company based on the ratings included in such reports.