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Get Your Pay Early With This Exclusive Military Checking AccountFootnote 1

Service has its rewards. Early pay and ATM fee refundsFootnote 2 are standard issue for Active Duty, retired servicemembers and reservists. Free Active Duty Checking® requires qualifying direct deposit.

Open Now

Not yet a member? Check eligibility and apply now.

You Have an Account That Gives You the Perks You Deserve

Manage your money in a flash—whether you’re stateside, overseas or deployed. Plus, you’ll earn more on your money than you would with a regular checking account.

  • Get Your Money Faster

    You can access your military pay a day sooner.

  • Put Money Back in Your Pocket

    We’ll refund up to $240 a year in ATM fees.Footnote 2

  • Earn and Save More

    You’ll earn a 0.05% dividend rate/0.05% APY.Footnote 3

You Can Simplify Your Finances and Your Life

Your money goes further with this supercharged account, and because it’s military focused, you can move your money at your speed. You can do just about anything you can do at a branch with our mobile app* and online banking—even apply for loans. And, all Navy Federal checking accounts offer:

  • personalized financial tips and insights in your My MakingCents dashboard
  • customized dashboard for a complete view of your finances
  • easy-to-use credit monitoring tools

How Do I Get Early Access to My Pay?Footnote 5

Follow our simple instructions to sign up for direct deposit to access your military pay a full business day before the regular posting date.

Check our Military Active Duty Calendar page to see when your funds will be available each month.

Checking Resources

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Disclosures

1

A qualifying military direct deposit must post to your Free Active Duty Checking account within 180 days of account opening. If the military direct deposit stops for more than 180 days, the account converts to a Free EveryDay Checking account.

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2

Up to $20.00 in ATM fee rebates per statement period.

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3

Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 03/21/2025. Fees may reduce earnings.

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4

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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5

Members with Free Active Duty Checking® accounts will receive their direct deposit one business day early.

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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.