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  Navy Federal Credit Union Free Easy Checking

Navy Federal Credit Union Free Easy Checking

in Checking Accounts from Navy Federal Credit Union · ncua

Unaffiliated

Navy Federal Credit Union Free Easy Checking

Unaffiliated

in Checking Accounts from Navy Federal Credit Union · Insured by NCUA

SuperMoney Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

8 users recommend
0 users are unsure
0 users don't recommend
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Highlights
Community Rating Strongly recommended
Monthly Fee $0
ATM Fee: Out-of-Network $1
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.05%
Number of Reviews 8

Navy Federal Credit Union Free Easy Checking Review

Navy Federal Credit Union Free Easy Checking is offered by Navy Federal Credit Union, a credit union founded in 1933 and based in Vienna, VA. Navy Federal Credit Union Free Easy Checking is available in 50 states (and Washington, DC).

Key Takeaways
  • Higher than average APY. Navy Federal Credit Union Free Easy Checking has an annual percentage yield of up to 0.05%, which is higher than the national average interest rate on savings accounts.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • No ATM fees. Navy Federal Credit Union Free Easy Checking does not charge fees on ATM transactions within its network but there is a fee of up to $1 for out-of-network ATM transactions.
  • Up to $10 in ATM fee reimbursements. This account will reimburse you for ATM fees (see terms and conditions for details).
  • Bill pay. Pay your bills to practically anyone in the United States through Navy Federal Credit Union.
Navy Federal Free Easy checking Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Dividend-yielding account
  • Insured by NCUA.
  • Access to physical branches.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Not FDIC-insured.
  • Higher than average wire transfer fees.
  • Charges a fee on out-of-network ATM transactions.
Navy Federal Free Easy checking FAQ

Are checking accounts from Navy Federal Credit Union federally insured?

Yes, your Navy Federal Credit Union checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What APY does Navy Federal Free Easy checking offer?

Navy Federal Credit Union Free Easy Checking Rates & Terms
Description
APY (Annual Percentage Yield) 0.05%

Navy Federal Free Easy checking offers an APY of 0.05% (APY stands for annual percentage yield, rates may change).

What are the account minimums for Navy Federal Free Easy checking?

Navy Federal Free Easy checking does not require a minimum initial deposit.

Navy Federal Credit Union Free Easy Checking Minimums
Description
Minimum Opening Deposit Starting at $0

What fees does Navy Federal Free Easy checking charge?

The good news is that this account does not have a monthly Service Charge.

Navy Federal Credit Union Free Easy Checking Fees
Description
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $10
Check Copy $1
Debit Card Replacement Fee $0
Early Account Closure $3
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0
NSF Fee $29
Online Bill Pay Fee $0
Overdraft Item Fee $29
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $0
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $15
Stop Payment Fee $20
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $14
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $25
ATM Fee: Out-of-Network $1

Does Navy Federal Free Easy checking charge overdraft fees?

Yes, Navy Federal Free Easy checking charges a $29 fee for every overdraft.

What features and perks does Navy Federal Free Easy checking offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for any domestic ATM fees up to a monthly maximum of $10.
  • Fraud monitoring - Navy Federal Free Easy checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Navy Federal Free Easy checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Navy Federal Free Easy checking?

The customer support email for Navy Federal Free Easy checking is info@navyfederal.org.

How do people rate the customer service and user experience of Navy Federal Free Easy checking?

Overall, Navy Federal Free Easy checking is strongly recommended based on community reviews that rate customer service and user experience.

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Message From Navy Federal Credit Union Free Easy Checking

Free Easy Checking—The Way It Should Be. Managing your money shouldn't cost you anything. Do it your way with 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

Contact

Hours of Operation

  • Sunday Closed
  • Monday 7:00am - 5:00pm
  • Tuesday 7:00am - 5:00pm
  • Wednesday 7:00am - 5:00pm
  • Thursday 7:00am - 5:00pm
  • Friday 7:00am - 5:00pm
  • Saturday Closed

Other Services by Navy Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Monthly Fee $0
Online Bill Pay Fee $0
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
ATM Reimbursement Monthly Limit $10
Check Copy $1
Early Account Closure $3
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $29
Overdraft Item Fee $29
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $15
Stop Payment Fee $20
Wire Transfer Fee - Domestic (Outgoing) $14
Wire Transfer Fee - International (Outgoing) $25
ATM Fee: Out-of-Network $1
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • ATM Reimbursement
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Insured by NCUA
  • Branch Access
APY (Annual Percentage Yield) 0.05%

Navy Federal Credit Union Free Easy Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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