Your Money the Way You Want it
Do everything from paying bills and making deposits to splitting a tab or paying for a ride—all from the convenience of your phone.*
Pay No Fees
You Pay $0
Enjoy the flexibility 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.
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
1 To maintain eligibility for a Free 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 a Free EveryDay Checking account. ↵
2 Up to $10 per statement period with eChecking 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.