⌛ Last updated on April 1st, 2025 by James Corbin
Navy Federal offers several checking account options, designed to fit different financial needs. Whether you want to earn dividends, avoid fees, or access special perks. Here’s a quick breakdown:
What Different Types of Checking Accounts are There?
Free Active Duty Checking
Editor rating ★★★★★ 5.0
Best for: Active Duty, Reservists & Retired Military
APY:
0.05%
0.05%
Monthly Fee:
$0
$0
ATM Rebates:
Up to $240/year
Up to $240/year
Key Features:
Early access to military pay with direct deposit required
No minimum balance requirement
Free personalized checks
No minimum balance requirement
Free personalized checks
Free Campus Checking
Editor rating ★★★★☆ 4.7
Best for: Ages 14-24 & Cadets
APY:
0.05%
0.05%
Monthly Fee:
$0
$0
ATM Rebates:
Up to $120/year
Up to $120/year
Key Features:
No minimum balance requirement
No monthly service fee
No monthly service fee
Free Easy Checking
Editor rating ★★★★☆ 4.5
Best for: Digital Banking on the Go
Monthly Fee:
$0
$0
ATM Rebates:
Included
Included
Key Features:
Mobile deposits & custom notifications
Tap-to-pay debit card
NCUA insured up to $250,000
Tap-to-pay debit card
NCUA insured up to $250,000
Free EveryDay Checking
Editor rating ★★★★☆ 4.3
Best for: Basic, No-Fee Checking
APY:
0.01%
0.01%
Monthly Fee:
$0
$0
Key Features:
No minimum balance
No opening deposit requirement
No opening deposit requirement
Flagship Checking
Editor rating ★★★★★ 5.0
Best for: Higher Balances & Dividends
APY:
0.35%-0.45%
0.35%-0.45%
Monthly Fee:
$0-$10
$0-$10
ATM Rebates:
Up to $120/year
Up to $120/year
Key Features:
Tiered dividends based on balance
No fee with $1,500+ daily balance
No fee with $1,500+ daily balance
