Open a free credit union account online

Checking Resources

• 

  Direct Deposit

  Get your pay safely and conveniently.

  Learn Moreabout Direct Deposit

• 

  Navy Federal Debit Card

  Accepted at millions of locations worldwide. Secure and convenient. Activate your debit card today.

  Learn Moreabout 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 Moreabout Add Money to Your Accounts

Disclosures

1

Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 12/12/2022. Fees may reduce earnings.

2

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

3

Free Active Duty Checking® account includes free personalized traditional checks.

4

Zelle is available to bank account holders in the U.S. only. To receive money in minutes, the recipient's email address or U.S. mobile number must already be enrolled with Zelle. Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Note: This service is not intended to replace the current member-to-member transfer options Navy Federal offers. It is available for members who do not have the option to complete an internal transfer or an ACHO (Automated Clearing House Operation) with an account and routing number. Members can also send funds to non-Navy Federal members.

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.

Altra’s Free Checking Account offers lots of convenient features that make managing your account easy on you (and your wallet)! But there is one thing we don’t have – fees if you don’t keep a minimum balance.

Opening an account is easy online or stop into one of our many branches. Already have checking elsewhere? No problem, use our Checking Switch Kit to move your account!

Open an Account

Checking Switch Kit

Altra Routing Numbers

*Altra Free Checking is free with electronic statements (eStatements). If you choose to not accept eStatements, a service charge will be applied to receive monthly paper statements (excludes ages 17 & under). Membership eligibility required. Available for personal accounts only; not available to Guardianship, Rep Payee, or UTMA accounts. One account per person. A joint account holder age 18 or over is required if minor account holder is under the age of 16.

Check It Out!

• No Minimum Balance, No Monthly Fees
• 30,000+ Surcharge-Free ATMs Nationwide
• Free Online Banking
• Free Bill Pay
• Free eStatements
• Free Debit Card
• Free Mobile app with Free Remote Check Deposit
• Free Altra Pay (instantly send money to friends and family)
• Free Overdraft Transfers from an Altra Line of Credit or HELOC
• Free unlimited ATM withdrawals at Altra-owned ATMs
• Three Free ATM withdrawals/month at non-Altra ATMs, then $1.50 per transaction (surcharges may apply from ATM owner)

• Free telephone account access & balance inquiries
• Free unlimited phone transfers from Altra Checking
• Free Altra Secure ID Identity Theft protection
• Free Online Check Images
• Free checks for members age 60+ (limit 1 box; must be ordered in person or by phone)
• Free Welcome Pack of checks for Students

Other Account Features

• Online Funds Transfer between Financials
• Cross-account transfers to and from Altra accounts on which you’re a joint owner
• Overdraft Transfer Protection from accounts on which you’re a joint owner
• Overdraft Privilege to qualified members

Service Charges

Checking Comparison

In addition to our free checking account, we also offer checking accounts which pay competitive dividends allowing you to earn money off of your balance. We also offer checking accounts specifically with our youth members in mind. Compare our checking accounts to see which is best for you.

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