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Checking Amplified,
Banking Simplified

Checking Amplified,
Banking Simplified

Checking supercharged with all-inclusive money management that keeps up with the speed of me.

Open Nowto experience all-inclusive money management.

Not yet a member? Find out if you're eligible.

With cutting-edge tech and tools all in one place, it's simple to manage your money.

I Can Be Fee-Free

Your money goes further when you’re not paying monthly service fees,Footnote 1 ATM feesFootnote 2 or non-sufficient funds fees. And, if you accidentally spend more than you have, you have a choice of overdraft protection plans.

My Money Moves at My Speed

Pay bills, split costs or buy the things you need—you can do it all easily and securely in seconds. A lightning-fast direct deposit setup makes depositing your paycheck faster and easier. And, with Zelle®Footnote 3 built into our banking app,* you can send money to friends and family—even if they don’t bank at the same place.

I’m Ready for Anything

To make the right decisions and get to the next level, you can get a complete picture of your finances and a way to manage your money effectively.  Your personalized dashboard can show all your accounts and investments in one place—even those from other banks.

My Credit Is Under Control

With our innovative tool, you can monitor your credit score, view your credit report and even simulate changes to your credit with our My MakingCents tool.

My Security Is a Priority

You can relax knowing your money and personal details are safe with an enhanced set of security strategies and systems. State-of-the-art fraud prevention systems protect you around the clock. Plus, you can check your security health in the app in seconds.

Award-Winning Support

We have more than 365 branches worldwide. In addition to our ATMs, you have access to a network of 30,000+ fee-free CO-OP ATMs in the US and Canada. And, if you have a question or a glitch, you can reach a real person—real fast. Chat with us online. Visit a branch. Call us anytime. Our award-winning team is here by phone 24/7, even at 3 am on holidays!

Forrester named us CX Elite and #1 in the Multichannel Banks category and Newsweek recognized us as one of the 2024 Most Trustworthy Companies.

Choose the Checking Account That's Right for You

Free Active Duty Checking®

Designed for Active Duty or retired military life, you can now access your military pay 1 business day earlier. Account requires qualifying direct deposit.

Free Easy Checking

Simplifies banking on the go—it’s 100% digital. Get e-statements, move money electronically and more. Includes ATM fee rebates. Account requires qualifying direct deposit.

Free EveryDay Checking

This is our standard, basic account. All members are eligible for this requirement-free, fee-free account.

Flagship Checking

Earn more money on your money—the higher your balance, the greater your dividends. Includes ATM fee rebates.

Free Campus Checking

Free Campus Checking provides convenient banking for members ages 14-24, with ATM fee rebates and no service fees.

Business Checking Accounts

Designed specifically for business owners. Earns dividends to multiply your money and includes secure access to digital banking. Requires business membership.

Here's what our members say: 

"I love banking with NFCU, the online services flow smoothly, the customer service is exemplary and all my accounts pay me to be here!"Footnote 4

-Navy Federal Member Georgia

See How My MakingCents Makes Banking Better

Video Transcript for What Makes Up Your Credit Score?

(SPEECH)

[MUSIC PLAYING]

 

(DESCRIPTION)

A man and woman with three children and a stroller at an amusement park.

 

(SPEECH)

NARRATOR: We get that your financial health and goals are unique to you. And we know getting the full picture of your financial status is pretty hard when you don't have the tools you need. The

 

(DESCRIPTION)

A woman in a military uniform discusses notifications on her phone with a man in a Navy Federal Credit Union shirt. Notifications from various digital banking apps begin to appear on the screen.

 

(SPEECH)

solution, My MakingCents. For the first time ever, from our secure banking site, you can get a 360 degree view of your money, not only at Navy

 

(DESCRIPTION)

My making cents webpage appears, showing a credit score tracker, spending tracker, budget tracker and recent account transactions.

 

(SPEECH)

Federal but other financial institutions when you add your accounts, all from our secure online banking site.

 

You'll

 

(DESCRIPTION)

A woman sits on a couch and smiles as she scrolls on a smartphone. Graphic, a laptop with a lock on the screen.

 

(SPEECH)

get all the answers to your financial questions. Like, what's my net worth? Am I spending too much on entertainment and food? What's my credit score? And how can I increase it? Have I saved enough? What's next?

 

You can view all your accounts, including those outside of Navy Federal side by side, so you can make informed decisions when it comes to your financial future. You'll also get a view of all your spending patterns. And you can create a custom budget based on your average spending that works for you.

 

Wondering where your money is going? You'll get a live view of your spending in categories you set, like food, travel, home, and more. Tools like this usually come with a subscription fee, but because you're a member, it's free. You get to choose the features that help you map your next money moves.

 

Your financial success is our number one priority. And with My MakingCents, you'll feel inspired by your accomplishments, motivated to meet your goals, and ready to master your next mission. Let's get started.

 

[MUSIC PLAYING]

 

(DESCRIPTION)

Logo, my Making Cents. Text, Let's get started!

 

Logo and text, Navy Federal Credit Union. Army, Marine Corps, Navy, Air Force, Space Force, Coast Guard, Veterans. Our Members are the Mission. Insured by NCUA. Images used for representational purposes only; do not imply government endorsement. Small details may vary slightly from those shown.

 

Disclosures

1

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

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2

Up to $10 per statement period with Free Easy Checking, Flagship, and Free Campus Checking accounts; up to $20 per statement period with Free Active Duty Checking®.  Direct deposit required in order to receive ATM fee rebates for Flagship Checking.

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3

Zelle® and the Zelle®-related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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4

The views expressed in the reviews are solely those of the individuals posting them. The testimonials are substantively the words of the individual reviewer, but may have undergone minor clerical revisions to ensure readability, add context, or protect private information. Any imagery displayed is for decorative purposes only and is not necessarily associated with the reviewer.

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The Contactless Indicator, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.