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Building Blocks for Your Business

For many small businesses, a critical step is opening a business checking and savings account. Think of these accounts as essential tools to help your small business grow and thrive.

Business Checking Accounts

All accounts earn dividends and come standard with a Navy Federal GO BIZ® Debit Card, free starter checks and access to digital banking.*

Business Checking Schedule of Fees and Charges 

Open an Account

Business Checking

First 30 non-electronic transactions included;1 $0.25 per transaction thereafter


  • No monthly service fee
  • Two signers

Best For:

  • New businesses
  • Limited cash flow activity



Business Plus Checking

First 50 non-electronic transactions included;1 $0.25 per transaction thereafter


  • Monthly service fee of $8
  • Unlimited signers

Best For:

  • Growing businesses
  • Multiple owners
  • Steady banking activity



Business Premium Checking

First 100 non-electronic transactions included;1 $0.25 per transaction thereafter


  • Monthly service fee of $0 or $203
  • Unlimited signers

Best For:

  • Mature businesses
  • Large transaction volumes
  • Higher deposit balances
  • Multiple owners
Tiered Rates for the Business Premium Checking
$0-$9,999: 0.35%
$10,000-$24,999: 0.40%
$25,000 & over: 0.45%

GO BIZ® Debit Card

The GO BIZ® Debit Card is designed to help keep your business moving forward.

  • Contactless, tap-to-pay technology
  • A Zero Liability policy for unauthorized transactions
  • Visa® Travel Accident Insurance

about Navy Federal's commercial real estate loan offeri

Business Savings Accounts

From money market savings accounts to certificates, choose from a variety of dividend-earning options to grow your money.

See Important Business Solutions Disclosures

Open an Account

Money Market Savings Account

Dividends earned daily


  • No term restrictions
  • Competitive rates
  • Minimum of $2,500 balance to earn dividends
  • Earns more than a standard savings account without term restrictions

Best For:

  • Businesses looking for higher earnings than a standard savings account

Jumbo Money Market Savings Account

Jumbo dividend rate earned on balances of $100,000 or more


  • No term restrictions
  • Competitive rates
  • Minimum of $100,000 balance to earn jumbo dividend rate

Best For:

  • Businesses with the ability to maintain higher balances on deposit
  • Businesses interested in earning a jumbo dividend rate


Higher dividends earned through longer maturities


  • Minimum purchases as low as $100
  • No maximum purchase amount (excluding special promotions and offers)
  • 3-month to 7-year terms available

Best For:

  • Businesses prioritizing earning the highest dividend rate without needing flexible access to savings

Why Choose Navy Federal?

Your Navy Federal business membership comes with an exclusive combination of benefits you won’t find anywhere else:

  • Access to small business professionals
  • Focus on Veteran-owned businesses
  • Backing of Navy Federal Credit Union
  • Convenience of 24/7 account servicing


Yes, to open a business account with Navy Federal, you first need to have a business membership. Here’s how to join.

The number one benefit to having a separate business account is it allows you to keep your business and personal finances separate. Why does that matter? If you use one account for everything, it can be hard to differentiate between personal and business transactions. And, having a business account:

  • helps you more easily track how your business is doing
  • makes bookkeeping, tax and payroll preparation easier
  • makes your business look more professional
  • may make it easier to qualify for business loans
  • may lessen your personal liability

Yes. You can open a checking line of credit, which will protect you against overdrafts and overdraft fees. Your checking line of credit can also help with other business needs like offsetting short-term cash gaps. Visit our Business Lines of Credit page for more details.

Ready to Apply?

To be eligible for Business Solutions offerings, business owners must first be members of Navy Federal Credit Union.

Already a Navy Federal member, but not yet a business member?

Join Today and become a Business Solutions member

Ready to Open a New Business Checking or Savings Account?

If you’re already a business member, follow these easy steps:



Non-electronic transactions are defined as checks processed and in-branch transfers, deposits and withdrawals. Up to 12 checks for deposit at a branch will count as one transaction.


 Rates on variable rate accounts could change after account opening. Fees may reduce earnings. Offering rates may change.


Monthly service fee waived if average daily balance is $5,000 or more. Otherwise, a $20 monthly service fee will apply.


Maintain a minimum daily balance of $1,500 to earn dividends.