Navy Federal checking account bonus: is $400 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
+$400: more than leaving it at 4.15%
The math
Bonus
+$400
Extra
+$400
Get $500 in direct deposits (3+ deposits) · $5 minimum balance in Membership Savings Account to open, maintain and obtain bonus. Verified on the bank's page Oct 9, 2026.
About this bonus
What it takes
- 1Get $500 in direct deposits (3+ deposits)
- 2$5 minimum balance in Membership Savings Account to open, maintain and obtain bonus
- Ends
- Dec 31, 2026
- Where
- Nationwide
- Pays while it's there
- 0.25% a year
- Monthly fee
- None
- Bonus paid
- Usually within 120 days of finishing
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the Navy Federal checking account bonus worth it?
It doesn't tie up any cash, so it beats leaving your money where it is: after fees it adds +$400.
What are the requirements?
Get $500 in direct deposits (3+ deposits); $5 minimum balance in Membership Savings Account to open, maintain and obtain bonus. Open nationwide.
When does it end?
The offer ends Dec 31, 2026. The terms were last checked Oct 9, 2026.