2
UpvotesCan I become a member even if I've never been in the service or work for the government?
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Navy Federal Credit Union Free EveryDay Checking
Navy Federal Credit Union Free EveryDay Checking
RatesFeesUsageReviewsQ&AContact
WalletHub RatingRatesFeesUsageQ&ACustomer Reviews
Navy Federal Credit Union Free EveryDay Checking Rates
| Balance | APY |
|---|---|
| $0+ | 0.01% |
Navy Federal Credit Union Free EveryDay Checking Fees
| None | |
| N/A | |
| N/A |
| N/A | |
| $20 | |
| $0 |
Navy Federal Credit Union Free EveryDay Checking ATM & Debit Card Usage
| None | |
| ATM Network Size | 30,000 ATMs |
| $1 | |
| Not Offered |
| 1% (and $1) | |
| VISA | |
| 1% |
Navy Federal Credit Union Free EveryDay Checking Additional Info
| No | |
| $0 per month | |
| None |
No monthly service feeNo minimum balance requirementNo opening deposit requirementCO-OP Network, owned by credit unions, offers more than 30,000 ATMs located at credit unions and retail locations throughout the U.S. and Canada.
Navy Federal Credit Union Free EveryDay Checking Interest Rate Tracker
The graph above is based on WalletHub data. Actual rates may vary. For time periods with multiple applicable rates in our database, based on different criteria, the above graph reflects the lowest interest rate recorded. Before submitting an application, always verify the rates, fees, and all terms and conditions with the respective financial institution.
Navy Federal Credit Union Free EveryDay Checking Q&A
Can't find what you are looking for? Submit your question about Navy Federal Credit Union Free EveryDay Checking to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
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0
UpvotesWhat is the Navy Federal Credit Union Free EveryDay Checking account checks limit?
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Sydney Garth
The Navy Federal Credit Union Free EveryDay Checking account does not publicly list a specific limit on the number of checks you can write or deposit. However, personal accounts have a daily transaction limit of ten check deposits through the mobile app.
For the most up-to-date information, visit Navy Federal Credit Union's website or contact customer service at (888) 842-6328.
You can check the best checking accounts available for you to make sure that whatever decision you go for really fits your goals.
0
UpvotesMy bank account has 0 balance. Does this automatically close my account?
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0
UpvotesDoes NFCU offer ''Click Checking'' or something similar to that of Tinker Federal Credit Union?
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WalletHub
Yes, Navy Federal Credit Union offers the Free EveryDay Checking account with no monthly service fee and no minimum balance required, please find out more details here: https://www.navyfederal.org/products-services/checking-savings/everyDayChecking.php.
0
UpvotesCan I overdraft my everyday checking account?
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Navy Federal Credit Union Free EveryDay Checking Reviews
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4.3
15 reviews
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5 Star Rating
I have been with NFCU since 2003 and I have always been very pleased with their customer service, online access and availability of branches and atms that I can use to access my account. There have never been any hidden fees and everything is always processed in a timely manner. The statements are upfront, clearly laid out and easy to access online. If I ever have any questions, I can always call and be on the phone with a representative in less than a minute, usually. NFCU rocks!
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5 Star Rating
Pretty much the best bank account I've ever had. My credit card information was stolen and someone had a good time in Yonkers, NY at my expense. I was able to reach a live English speaking agent on a Sunday night at 7 pm. How many banks have these hours? Next to none. The female rep walked me through the fraud process and once the charges actually posted, they were reversed immediately. Within a week it was like it never happened. I can rest easy knowing I have bank that employees real people that are always there to help.
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4 Star Rating
Navy Federal customer service is the best out, I have never had any problems with that, and the application process is quick and easy, because I applied for my Check Card and was accepted almost instantly. The only problem I have ever faced with Navy Federal is that an ATM machine took my savings card because It was expired and it took them about two weeks to send me another one but I understand. Overall Navy Federal is a great bank for those who qualify.
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5 Star Rating
Much like the other reviewers, I have been a member of NFCU since I was very young. They have always provided high quality customer service and easy online banking. The mobile banking is also extremely easy and convenient to use. Even though I no longer live near a location, I am able to deposit checks quickly and easily. My account information was stolen and the fraud department handled the complaint swiftly and efficiently; the value of the fraudulent charges was returned to my account within a week (if I remember correctly) and a new card was sent to me in the mail very quickly. I have never had any problems with NFCU and will continue to bank with them in the future.
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5 Star Rating
I have been a member of Navy Federal Credit Union since I was a small child (5-6 years old at least, possibly earlier, I don't remember). I have had very few problems with my accounts over the years and the few problems that I have had have been very quickly and easily resolved. They would be my first choice for a mortgage or car loan if I were to buy one, and I currently have both a checking and savings account with them. The only downside is that you need to have a connection to the armed forces or an existing member in order to get an account. If you qualify, though, I would highly recommend them!
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5 Star Rating
Navy Federal Credit Union has been an excellent place to do our checking, saving, and children's accounts with for the past 3 years. Even when I am not close enough to visit their stores, they provide amazing customer service, and value through online and mobile banking.
I recommend this bank to anyone that can access it.
I recommend this bank to anyone that can access it.
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4 Star Rating
I have been a member of Navy Federal since 2009. I have checking, a savings, and an auto loan through them. I could not ask for a better bank. The checking account is easy to manage online. There are zero hidden fees. And their customer service is there to answer my questions 24/7. The only draw-back I have would be that when I joined I lived in a Military town and there was basically a branch on every corner, now I live outside of Atlanta and there is only one branch, it is about an hour away from me and has very limited hours.
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5 Star Rating
I have been a member of Navy Federal Credit Union for my entire marriage. I was happy to get to join when I married my husband who had an account. Most of these years, we lived far away from Navy Federal, but made full use of their online banking and local ATMs. It's easy to find cooperating ATMs that are in-network so that they are free to use. In fact, I have only set foot in a Navy Federal branch once in my life. We have always had very helpful service from them whether in person, on the phone or via computer. I think I will always be a Navy Federal Credit Union member and highly recommend them to anyone else who qualifies for membership.
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5 Star Rating
I have been a member of the Navy Federal Credit Union since early 2009, and in my 4 years of banking with them I have never had a problem that could not be solved easily and efficiently. Their customer service is consistently the best I have encountered when it comes to banks and credit unions. Also, they offer free checking (which is amazing and rare these days) and online banking. I have never been charged fees of any kind, much less a monthly fee or for a new debit card. I don't live near a Navy Federal Credit Union branch anymore, but there is an atm near me which is very convenient. I also use the online banking quite often, as I have it linked to a bank account. If available, I'd recommend this credit union over any others.
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Last updated: Nov 24th, 2025 at 11:20 ET