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Earn Higher Dividends With Flagship Checking

It pays to keep $1,500 or more in your checking account. With a Flagship Checking account, the higher your balance, the more you earn—an effortless way to help you maximize your money.

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You Bank Smarter, Not Harder

Track spending and see all your accounts and investments in one place—even from other banks! And, with a daily ending balance of at least $1,500, you’ll unlock tiered dividends. Your Flagship Checking account includes outstanding perks:

Put Money Back in Your Pocket

We’ll refund up to $120 a year in ATM fees.Footnote 1

Relax, You’re Protected

Your money and your info are secure. We monitor your account 24/7 with state-of-the-art fraud prevention systems.

Earn More by Banking With UsFootnote 2

0.35% APY on $1,500 to $9,999
0.40% APY on $10,000 to $24,999
0.45% APY on $25,000+

You Simplify Your Finances and Your Life

Make the most of your money and simplify managing it. All Navy Federal checking accounts offer all-in-one money management tools:

  • Financial tips in your My MakingCents dashboard on topics like saving and investing
  • Customized dashboard for a complete view of your finances. Includes simple instructions on adding accounts from other banks
  • Easy-to-use credit monitoring tools

Checking Resources

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Disclosures

1

Up to $10.00 in ATM fee rebates per statement period. Direct deposit required to receive ATM fee rebates for Flagship Checking.

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2

Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 04/02/2025. Fees may reduce earnings. Must maintain a daily ending balance of at least $1,500 to earn dividends.

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3

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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