Check out the choices and decide which one is for you! Designed for military life—ATM fee rebates up to $20 and free checks for life You’re looking for electronic convenience with ATM fee rebates You’re looking for a basic checking account with unlimited transactions and no minimum balance requirement You maintain a large daily checking balance and are interested in earning dividends and ATM fee rebates You’re a full-time student ages 14–21, looking for electronic convenience without a minimum balance requirement and ATM fee rebates
Dividends earned from day of deposit to day of withdrawal
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Unlimited transactions
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Minimum Balance Requirements and Monthly Service Fees
No minimum balance required to open account
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Monthly service fee per statement period None; Active Duty Direct Deposit required None with Direct Deposit OR 20 Visa® Check Card transactions, otherwise $5   None if average daily balance is $1,500 or more; $10 if less than $1,500  
Cards / ATMs / ATM Rebates
Free Visa® Check Card
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PLUS® System ATM fee rebates
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No-fee transactions at Navy Federal ATMs
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No-fee CO-OP Network® ATM transactions
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24-hour Electronic Banking Services
Free online banking
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Free Web Bill Pay
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Free automated telephone access
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Free online check images
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Free online statements
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Check Orders
Order checks online
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Free standard, single-part, name-only checks Free Traditional/
Military wallet or
wallet duplicate
checks for the life
of the account
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Numerous check styles and accessories available at an additional cost
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Member Service Representative Services
Free teller transactions at branch offices
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Free person-to-person phone transactions
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Additional Features
Earns tiered dividends based on account balance      
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POS daily spending limit
$2,500
$2,500
$2,500
$5,000
$2,500
Additional Benefits
Overdraft protection available (subject to credit approval)
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Free notary service (up to two documents per week) (certain restrictions apply/not available in all areas)
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Free cashier’s checks
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Free incoming wires
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Free Direct Deposit
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