Flagship Checking Fees and Terms
Account Opening and Usage
Minimum Deposit to Open
CO-OP Network® ATM Fee
Monthly Fee
Monthly fee is waived with average daily balance of $1,500 or more.
PLUS® System ATM Fee (overseas included)
The owner of a non-Navy Federal ATM may charge a fee.
Up to $10 in ATM fee rebates per statement period.
Direct Deposit required.
Dividends (view current rates)
Non-Sufficient Funds (NSF) Fee Per Item
Service Charge Per Check
Returned Check Fee (Deposited or Cashed) Per Item
Bill Pay Service Fee
Inactive Checking Fee
Navy Federal ATM Fee
Stop-Payment Fee
If stopping a series of checks, the fee is $25.
Overdraft Options
No Overdraft Service
If you choose not to opt in to any kind of overdraft service, point-of-sale debit card transactions that would cause an overdraft will be declined at no cost to you
Overdraft Transfer Fee from Savings
In combination with other transfers, limited to six per month
Checking Line of Credit (CLOC) Transfer Fee
Payment of a check that exceeds your approval credit limit is $10, and the return loan payment fee is $29
Optional Overdraft Protection Service (OOPS)
  • Maximum Number of Overdraft Fees Per Day
  • Minimum Overdrawn Balance Required to Trigger a Fee
  • Extended Overdraft Fee
Total overdrafts cannot exceed $500, including fees

Navy Federal Credit Union offers Checking Protection options in order to authorize overdraft transactions and avoid non-sufficient funds (NSF) fees.

Processing Policies
Navy Federal Credit Union posts items presented on your account in the following order:
1 All Credits
2 ATM Debits (from smallest to largest)
3 POS Debits (from smallest to largest)
4 ACH Debits (from smallest to largest)
5 Checks1 (from smallest to largest)
Funds deposited to your account are generally available for withdrawal:
Cash deposit with teller
Same Business Day
Cash deposit with ATM
Next Business Day2
Check deposit with teller
Next Business Day3
Check deposit with ATM
Next Business Day2
Direct Deposit
Same Business Day4
Wire transfer deposit
Same Business Day
Scan/Mobile Deposits
Next Business Day5

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.