Last Updated: 01/21/2026
Navy Federal Credit Union Free Easy Checking
Claimed
Last Updated: 01/21/2026
SuperMoney User Recommendation Score +88
Strongly recommended17 total votes
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Highlights
Community Rating
Strongly recommended
Welcome Offer
Starting at $0(Verified 06/21/2024)
Disclaimer popup with additional information
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.05%(Verified 06/21/2024)
Disclaimer popup with additional information
Monthly Service Fee
$0(Verified 01/21/2026)
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Number of Reviews
Navy Federal Credit Union Free Easy Checking Review
The 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 Free Easy checking is available in 50 states and Washington, DC.
Key Takeaways
- Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.05% .
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- 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 $1 for out-of-network ATM transactions .
- Up to $10 in ATM fee rebates. 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 when you enroll in Navy Federal Credit Union mobile or online banking.
Navy Federal Free Easy checking Pros & Cons
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Navy Federal Free Easy checking FAQ
Are checking accounts from Navy Federal federally insured?
Yes, your 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?
| 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.
| 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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $14 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Reimbursement Monthly Limit | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 rebates - This account will reimburse you for 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 checks1 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 Free Easy checking
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
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +88, or 4.8 on a 5-point rating scale.
+88
-1000+100
No one recommends
Everyone recommends
Navy Federal Credit Union Free Easy Checking Community Reviews
Would you recommend Navy Federal Credit Union Free Easy Checking to your friends?
BF
Bill F.
Dec 29, 2025
May or may not recommend
This had to with a bank wire within the US. I have been a member since 1977. I was tying to conduct a C2C transfer to make a crypto investment. Not only did the bank take over two days, they also denied the transfer claiming potential fraud. Currently I would have over 4X my investment.... To deny a customer's request for transfer is unacceptable!
U
Anonymous
Mar 5, 2024
May or may not recommend
P I like Navy Federal Union. Every time I speak to him on the phone the very polite. They try to solve a problem for you I recommend anyone that serves or served to join Navy Federal credit Union. You won't regret.
MC
Megan C.
Nov 18, 2023
May or may not recommend
Navy federal was the first bank account I ever opened. I got this bank account under my dad when I was 16. I have a checkings and a savings through them. They make it easy to transfer and receive funds. I had an incident a few years ago where my debit card was stolen and navy’s customer service was very good about helping me shut it off and order a ...Show More
TG
Tanita G.
Dec 24, 2022
May or may not recommend
Hear really great things about this bank. And I have a friend that Bank here
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I strongly recommend Navy Federal Credit Union checking account. Monthly fee is $0, no minimum initial deposit required, you can freeze and unfreeze your account as well. So they are very flexible and their security is top notch so you can always on that. Incredible customer service at all times.
Debby T.
Oct 19, 2022
May or may not recommend
I strongly recommend Navy Federal Credit Union checking account. Monthly fee is $0, no minimum initial deposit required, you can freeze and unfreeze your account as well. So they are very flexible and their security is top notch so you can always on that. Incredible customer service at all times.
Rickey M.
Oct 16, 2022
May or may not recommend
Absolutely recommend Navy Federal for any and all needs. They are a great company, and I have been banking with them for 7 years now. I use them for my checking, savings, and even for my motorcycle loan as well. They always have fantastic customer service and the products that they offer are top-notch. I am one happy current customer and will continue to bank with them.
AB
Alexis B.
Jul 20, 2022
May or may not recommend
If your eligible I highly recommend getting a checking account with Navy federal. They are so confident and there’s instant transfer between your accounts in the app. I’ve had mine for a year now and I love it. They let you deposit your check and on approval you get 225 of your check right away. The rest comes within a day usually.
RD
Reigni D.
Apr 27, 2022
May or may not recommend
Navy federal is very easy to use. You can easily transfer money to your other accounts, freeze your cards and see your past transactions. If you have kids that are ready for debit cards, I would highly recommend Navy Federal.
Nikki B.
Jul 15, 2021
May or may not recommend
Like with most checking accounts, the interest rate is low but it's easy to use for first time users. A user can check their purchases at any time with no cost to them. They will also inform you in advance when you are getting paid.
JB
J B.
Jan 6, 2021
May or may not recommend
This checking account from Navy Federal is a snap to use. Although it may seem silly one of my favorite things about the debit card that comes as a part of this account is that they allow you to personalize it with your favorite photo. I thought this was a very clever and neat idea and whenever I use my card I get to see my favorite photo.
NS
Natalie S.
Dec 11, 2020
May or may not recommend
This is a great bank for all servicemember's that is easy maintenance, reliable customer service, easy access to ATM's worldwide, and early payday active duty checking. I know everyone can benefit from an early payday! The greatest feature is the worldwide locations for easy access to walk-in service and 24/7 customer service hotline! Highly recommended!
AG
Alexandra G.
Oct 16, 2020
May or may not recommend
I like NavyFederal! I haven't had a major problem with them. The annoying thing is that the overdraft charge seems pretty high. I have had issues with them charging me a lot of fees for that. Other than that they are usually pretty friendly. I like how accessible everything is through their mobile app. They also offer great incentives for Military members and their families.
AS
Andrew S.
Aug 10, 2020
May or may not recommend
Using Navy Federal has been a great financial decision for me. Their dividend payouts have been very generous, and they have made it very easy to move money around quickly. I also was qualified for their cash rewards credit car after a very short period of time, even when other cash reward cards were rejecting me due to my short credit history.
OD
Orlando D.
Aug 7, 2020
May or may not recommend
I have been a NFCU member since 2013, I have no complaints about the credit union. I opened this account during my military time, and I was surprised to know i was approved for a line of Credit with them even when my credit was challenging.
I have had no problems with my checking account ever, checks are easily available if needed, the dispute process is very easy and hassle ...Show More
LR
Lynn R.
Jun 13, 2019
May or may not recommend
The employees are always very helpful and project a sincere and genuine desire to help their customers identify and utilize the products that are right for the individual client.
JP
Jonathan P.
Apr 13, 2019
May or may not recommend
Navy Federal credit Union is the best bank/credit union I've ever dealt with. I am a member of 7 Credit Union and NFCU is customer focused and member driven.
Showing 17 of 17 reviews
