To continue enjoying all the features of Navy Federal Online, please use a compatible browser. You can confirm your browser capability here.
For full functionality of this site it is necessary to enable JavaScript. Here are the instructions for how to enable JavaScript in your web browser.
- Open a Checking Account
EveryDay Checking for Everyone
With our standard account, you’ll pay no monthly fee, have no minimum balance requirement and earn dividends on your balance.
Open Now Open an Everyday Checking Account
Become a Member
Trustpilot
Features:
- No monthly service fee
- No opening deposit requirement
- No minimum balance requirement
Best For:
- Anyone who wants a flexible standard account for everyday use
- Those with lower account balances
Rates:
- 0.01% APY1
- 0.01% Dividend Rate
Terms & Conditions for everyday checking accounts
Included With All Navy Federal Checking Accounts
- Navy Federal Debit Card with Zero Liability protection
- No monthly service fee2
- Dividends credited monthly
- Digital banking with Mobile Deposits* and Bill Pay
- Checking Protection Options to make sure you’re covered
- Free traditional name-only checks3 with easy online ordering
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.