Checking Accounts & the Navy Federal Debit Card
Included With All Navy Federal Checking Accounts
- Navy Federal Debit Card with Zero Liability protection
- No monthly service fee,Footnote 1 with dividends credited monthly
- 30,000+ ATMs throughout the U.S. and Canada
- Digital banking with Mobile Deposits* and Bill Pay
- Checking Protection Options to make sure you’re covered
- Free traditional name-only checks with easy online orderingFootnote 2
Personal Checking Accounts
Free Active Duty Checking®
Designed for Active Duty or retired military life, you can now access your military pay 1 day earlier. Account requires qualifying direct deposit.
Features:
- ATM fee rebates (up to $240 a year)Footnote 3
- Early access to military pay with direct depositFootnote 4
- No monthly service fee
- No minimum balance requirement
- Free personalized checks
Free Easy Checking
The easy, fast and free account that allows you to do everything from paying bills and making deposits to splitting a tab or paying for a ride. Account requires qualifying direct deposit.Footnote 6
Features:
- ATM fee rebates (up to $120 a year)Footnote 7
- No monthly service fee
- No minimum balance requirement
- Dividends credited monthly
- Checking Protection Options to make sure you’re covered
Free Campus Checking
Free Campus Checking provides convenient banking for members ages 14-24, with ATM fee rebates and no service fees.
Features:
- ATM fee rebates (up to $120 a year)Footnote 7
- No monthly service fee
- No minimum balance requirement
Free EveryDay Checking
Every member is eligible for our hassle-free, requirement-free, fee-free account that includes all the standard benefits of our other checking accounts.
Features:
- No monthly service fee
- No opening deposit requirement
- No minimum balance requirement
Rates:
- 0.01% to 0.01% APYFootnote 5
- 0.01% to 0.01% Dividend Rate
Flagship Checking
Features:
- Tiered dividends based on balance (earn dividends with a daily ending balance of at least $1,500)
- ATM fee rebates with direct deposit (up to $120 a year)Footnote 8
- No monthly service fee if average daily balance is $1,500 or more; $10 if less than $1,500
Rates:
- 0.35% to 0.45% APYFootnote 9
- 0.35% to 0.45% Dividend Rate
See What Our Members Have to 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 10
Ready to Make the Switch?
Make the Most of Your
Navy Federal Debit Card
Secure. Convenient. Smart.
Business Checking Accounts
Own a small business? Earn dividends with a checking account designed with your business in mind.
Why Choose Navy Federal?
Navy Federal is dedicated to serving military members and their families. We provide exclusive benefits, services and tools to help our members reach their financial goals.
Checking Resources
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Direct Deposit
Get fast access to your paycheck when you have it automatically deposited to your account. It’s simple to set up.
Learn More about Direct Deposit -
Navy Federal Debit Card
Accepted at millions of locations worldwide. Secure and convenient. Activate your debit card today.
Learn More about Navy Federal Debit Card -
Add Money to Your Accounts
Our convenient transfer and deposit options make it easy to put your money where you need it to be.
Learn More about Add Money to Your Accounts
Disclosures
For Flagship Checking, no monthly service fee if average daily balance is $1,500 or more; $10 if less than $1,500.
↵Free Active Duty Checking® account includes free personalized traditional checks.
↵Up to $20.00 in ATM fee rebates per statement period.
↵Members with Free Active Duty Checking® accounts will receive their Direct Deposit one business day early.
↵Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 12/24/2024. Fees may reduce earnings.
↵To maintain eligibility for a Free Easy Checking account, you must set up direct deposit or conduct at least 20 Navy Federal Debit Card transactions (any combination of posted debit card purchases or ATM withdrawals) per statement period across all primary checking accounts. Qualifying debit card transactions include: purchases made using PIN, signature, online, phone, or mobile wallet; and withdrawals at Navy Federal or non-Navy Federal ATMs. Non-qualifying transactions include: transfers, inquiries, deposits, and denied transactions at an ATM (Navy Federal or non-Navy Federal); and Automated Clearing House (ACH) transactions. If the account does not meet either requirement for six consecutive statement periods, the account will be converted to the Free EveryDay Checking account at the end of the sixth statement period.
You may qualify for direct deposit if you have (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 three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (3) monthly Non-payroll ACH totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (4) monthly Non-payroll ACH totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Secondary Owner.
↵Up to $10.00 in ATM fee rebates per statement period.
↵Up to $10.00 in ATM fee rebates per statement period. Direct deposit required to receive ATM fee rebates for Flagship Checking.
↵Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 12/24/2024. Fees may reduce earnings. Must maintain a daily ending balance of at least $1,500 to earn dividends.
↵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.
↵The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.