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You Could Get $200Footnote [1] & Unlock Epic Perks When You Join Navy Federal

You Could Get $200Footnote [1] & Unlock Epic Perks When You Join Navy Federal

Join NowBecome a member

Claim Your $200 Bonus in 3 Simple Steps

Use promo code JOIN2025 when you apply online, and breeze through these 3 quick steps to score this limited-time offer.

  • Become a Member

    Join our member-owned credit union for access to top-notch rates, fantastic rewards, premium partner perks and exclusive member discounts.

  • Open a Checking Account

    Say hello to a supercharged account that puts you in control anytime, anywhere—however you need it.

  • Establish Direct Deposit

    Experience an easy, lightning-fast setup, quicker access to your money, more security and better budgeting.

Let's Get Started Join Navy Federal

What’s So Great About Navy Federal Checking? Everything!

  • No monthly service feesFootnote [2]
  • Customized display of all your finances in one place—even accounts at other institutions
  • Personalized financial tips and insights in your My MakingCents dashboard
  • Easy-to-use credit monitoring and credit-building tools
  • Advanced overdraft protection options to ensure you’re not caught off guard
  • Cutting-edge digital banking*  that includes budgeting tools and a spend tracker

Get Your Pay the Fast,
Secure Way

Have your paycheck deposited automatically for faster access to your money and extra security against ID theft and mail fraud.

Want to split your deposit into more than one account? No sweat—you can do that, too. To get started, it takes less than 3 minutes to zip through our super secure, lightning-fast setup.

Disclosures

1

Offer valid 8/1/2025 to 8/31/2025, and can expire anytime without prior notice. Must be 18 years of age or older. To qualify for the $200 bonus, complete each of the following items: 1) Join Navy Federal ONLINE using promo code JOIN2025 between 8/1/2025 and 8/31/2025, 2) Open a checking account (as primary owner) by 8/31/2025, AND 3) Complete qualifying direct deposit transactions, as defined below, by 12/29/2025. Navy Federal membership is open to members of the Coast Guard, all Department of Defense uniformed personnel, reservists, Active Duty, retired, Veterans, Army and Air National Guard, DoD civilian employees, contractors, and their immediate family. A $5 minimum balance is required to open and maintain a Membership Savings Account and to obtain a bonus. If you have not funded your new Membership Savings Account at the time the bonus is credited, we will hold the minimum $5 share required for your membership. The Membership Savings Account Annual Percentage Yield (APY) is 0.25%, effective 6/13/2025. Fees may reduce earnings, and rates may change. Other restrictions may apply. Bonus will be deposited to the new member’s Membership Savings Account by 03/31/2026. The Membership Savings Account must be open and in good standing for credit to be processed. Offer Exclusions: Navy Federal Business Solutions accounts; and Navy Federal Trust accounts. Offer not valid for accounts opened in a branch or by phone. Limit 1 $200 bonus per member. The new member must be the primary account owner of the checking account to qualify. Checking account must remain open and have a positive balance at the time of bonus crediting. It may take up to 90 days to confirm your direct deposit establishment. The recipient is solely responsible for any personal tax liability resulting from the acceptance of this bonus. Navy Federal does not provide tax advice.

A qualifying direct deposit is defined as (1) a recurring ACH from employer, military pay, or certain government agency pay or benefits in your name that is deposited into a Navy Federal deposit account where you are Primary or Secondary Owner; OR (2) Mobile deposits, ATM deposits, or Branch deposits totaling at least $500 and recurring for at least 3 out of 4 consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (3) monthly Non-payroll ACH or payroll allotment totaling at least $500 and recurring for at least 3 out of 4 consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (4) monthly Non-payroll ACH or payroll allotment totaling at least $500 and recurring for at least 3 out of 4 consecutive months that are deposited into Navy Federal deposit accounts where you are Secondary Owner.

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2

For Flagship Checking, there is no monthly service fee if average daily balance is $1,500 or more; $10 if less than $1,500.

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