Navy Federal Credit Union Promotions

Read our in-depth review of Navy Federal Credit Union to see why Navy Federal Credit Union scored 3.5 stars out of 5. We like their $0 monthly charge and extensive atm network.

If you're looking for bank promotions, you must check out these offers.

Free EveryDay Checking

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No monthly service fee
No minimum balance requirement
Federally insured by NCUA

Free Easy Checking

No monthly service fee with direct deposit or 20 debit transactions
No minimum balance requirement
NCUA-insured up to $250,000

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Share Savings Account

0.25% APY
Requires $5 minimum deposit if you have an active checking account, Certificate, IRA or ESA, or have a current account as a borrower. If not, minimum deposit is $50.

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Free Campus Checking

No monthly fee
No minimum balance requirement
Up to $120/year in ATM fee rebates
Navy Federal Debit Card with Zero Liability protection

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EasyStart℠ Certificate

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Up to 4.00% APY
Available terms are 12 to 24 months
$50 minimum deposit

$400

Personal Checking Account - $400 Bonus

Join Navy Federal and open a new checking account. Use promo code CHK26SRC at account opening. Set up and receive qualifying direct deposits totaling $500 or more by 04/30/2027.

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Expires 12/31/2026

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Member FDIC

Bank of America Advantage Banking - Up to $500 Cash Offer

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Expires 1/31/2027

The up to $500 cash offer must be opened through the Bank of America promotional page.
The offer is for new checking customers only.
Offer expires 01/31/2027.
To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days of account opening.

Cash Bonus Total Direct Deposits

$100 $2,000

$300 $5,000

$500 $10,000+
After the Deposit Period ends, and once you satisfy all the requirements, we will attempt to deposit the earned bonus directly into your new eligible personal checking account within sixty (60) days. The new eligible personal checking account must be open and in good standing up to and including the date any earned bonus is paid.
Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
Additional terms and conditions apply. See offer page for more details.
*A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
Bank of America, N.A. Member FDIC

Cash Bonus	Total Direct Deposits
$100	$2,000
$300	$5,000
$500	$10,000+

Member FDIC

Chase Total Checking® - $400 Bonus

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Expires 1/27/2027

New Chase checking customers can receive $400 when you open a Chase Total Checking^® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
Chase Total Checking^® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
Chase is ranked #1 in Customer Satisfaction with Mobile Banking Apps among National Banks by JD Power.
Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.

Navy Federal Credit Union Checking Bonus

What is the checking bonus at Navy Federal Credit Union?

Personal Checking Account - $400 Bonus

In-Depth Review

Highlights

Savings
Share Savings Account: 0.25% APY. $5 minimum deposit. A Membership Savings Account with a $5 minimum is required to establish and maintain membership.

Compare: Navy Federal Credit Union vs CIT Bank

CD
Standard Certificate: Up to 4.10% APY. Terms of 3 months to 7 years. Minimum deposit of $1,000.

Read: 13 Month CD Rates

Compare: Navy Federal Credit Union vs HSBC

Checking
Free Active Duty Checking, Free Easy Checking, Free EveryDay Checking, Flagship Checking, Free Campus Checking, Business Checking Accounts

Read: Best Free Checking Accounts

Compare: Navy Federal Credit Union vs Bank of America

Mobile App
iOS & Android

ATMs
360+ Navy Federal and more than 30,000 CO-OP Network ATMs

Customer Service
Phone: 888-842-6328
24/7 customer support
Online chat

IRA CD
Up to 4.10% APY. Terms of 3 months to 7 years. Minimum deposit of $1,000.

Locations
360+ branches

Pricing information from published website as of 10/07/2026 based on 91107 zip code.

	Navy Federal Credit Union	Bank of America
		Member FDIC
	Learn More	Learn More
	Benefits and Features
Savings	Share Savings Account: 0.25% APY. $5 minimum deposit. A Membership Savings Account with a $5 minimum is required to establish and maintain membership.	Bank of America Advantage Savings Standard Rate: 0.04% APY
CD	Standard Certificate: Up to 4.10% APY. Terms of 3 months to 7 years. Minimum deposit of $1,000.	7-Month CD - 3.75% APY 10-Month CD - 2.95% APY 13-Month CD - 2.00% APY 25-Month CD - 1.75% APY 37-Month CD - 0.11% APY 1-Month CD - 0.03% APY 120-Month CD - 0.03% APY
Checking	Free Active Duty Checking, Free Easy Checking, Free EveryDay Checking, Flagship Checking, Free Campus Checking, Business Checking Accounts
Mobile App	iOS & Android	iOS & Android
ATMs	360+ Navy Federal and more than 30,000 CO-OP Network ATMs	Approximately 15,000+ ATMs
Customer Service	Phone: 888-842-6328 24/7 customer support Online chat	Monday -Friday: 8AM - 9PM ET Saturday: 9AM - 6PM ET Sunday: 8AM - 5PM ET
IRA CD	Up to 4.10% APY. Terms of 3 months to 7 years. Minimum deposit of $1,000.
Locations	360+ branches	3,700 financial centers
	Learn More	Learn More
Navy Federal Credit Union: Pricing information from published website as of 10/07/2026 based on 91107 zip code. Bank of America: Pricing information from published website as of 09/17/2026 based on 91107 zip code.

Navy Federal Credit Union Alternatives

Member FDIC

Bank of America Advantage Banking - Up to $500 Cash Offer

Learn More

Expires 1/31/2027

The up to $500 cash offer must be opened through the Bank of America promotional page.
The offer is for new checking customers only.
Offer expires 01/31/2027.
To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days of account opening.

Cash Bonus Total Direct Deposits

$100 $2,000

$300 $5,000

$500 $10,000+
After the Deposit Period ends, and once you satisfy all the requirements, we will attempt to deposit the earned bonus directly into your new eligible personal checking account within sixty (60) days. The new eligible personal checking account must be open and in good standing up to and including the date any earned bonus is paid.
Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
Additional terms and conditions apply. See offer page for more details.
*A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
Bank of America, N.A. Member FDIC

Cash Bonus	Total Direct Deposits
$100	$2,000
$300	$5,000
$500	$10,000+

Member FDIC

Chase Secure Banking℠ - $175 Bonus

Get $175 Coupon

Expires 1/27/2027

Enjoy a $175 checking account bonus as a new Chase banking customer when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
Bank with confidence — no minimum deposit to open an account and no overdraft fees.
Secure Banking customers told us they save an average of over $40 per month on fees after opening their account.
$0 Monthly Service Fee for customers ages 17-24.
Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
With Chase Credit Journey^®, help build and improve your credit with a personalized improvement plan provided by Experian.
Ranked #1 for Banking Mobile App Satisfaction among National Banks, Chase makes it easy for you to access your money from anywhere with the Chase Mobile^® app.
Manage your spending with Spending Planner and get daily spending insights in the Chase Mobile® app.
JPMorgan Chase Bank, N.A. Member FDIC.

Member FDIC

CIT Bank Platinum Savings - Up to 4.25% APY Boost

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Expires 12/15/2026

With 6 month boost, you earn:

Tier	Boost APY
Balance over $5,000	4.25%*
Balance less than $5,000	0.75%*

After boost is completed, you will continue to earn our best standard rates:

Tier	APY
Balance over $5,000	3.75%¹
Balance less than $5,000	0.25%¹

Needs to use promo code to qualify: Boost50
Boost lasts 6 months over standard APY
Tiered account
$100 minimum account opening
Member FDIC
No Monthly Service fees
No account opening fees

Disclosures

Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of January 9, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.

This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria.

Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.50% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate.

The Promotion begins on September 29, 2026, and ends December 15, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions.

The promotion can end at any time without notice.

New CIT Bank Customers: This Platinum Savings APY Boost promotion offer is valid for New CIT Bank customers, who, at account opening, do not have a valid CIT Bank User ID (a "New Customer") or any open CIT Bank accounts provided that the following requirements are met:

New customers must open a Platinum Savings account with a valid Promo Code, Boost50. The Platinum Savings APY Boost Promo Code will appear on the online account opening enrollment web page. The Promo Code must be used at the time of account opening. Accounts opened during the program period without the Promo Code are ineligible to receive the APY boost.
The enrolled Platinum Savings account must be open to receive the APY boost during the promotional period.

CIT Bank Customers with an account prior to the promotion: This Platinum Savings APY Boost promotion is valid for a Primary account owner with an existing account with a CIT Bank User ID before the start of the promotion, provided that the following requirements are met:

Customers without a Platinum Savings account open prior to the Promotion must open a new Platinum Savings account via the enrollment web page using Promo Code Boost50.
Customers with a Platinum Savings account opened prior to the promotion may enroll their current Platinum Savings account into the Platinum Savings Boost promotion via the enrollment web page using Promo Code Boost50.
Customers who are not the Primary account owner on a Platinum Savings account may open a new Platinum Savings account as the primary account owner via the enrollment web page using Promo Code Boost50.
Accounts opened or enrolled during the program period without the Promo Code are ineligible to receive the APY boost.

There is a limit of one Platinum Savings APY Boost promotional offer per account and per Primary customer. If multiple Platinum Savings accounts are opened, only one account per primary account owner is eligible.

There is no minimum account balance requirement to participate in the Platinum Savings APY Boost promotion.

Additional Important Terms

The Platinum Savings APY Boost promotion may not be combined with other promotions.
Customers are ineligible to participate in the Platinum Savings APY Boost promotion if:
- They are earning an APY over the standard rate.
- They participated in a previous APY Boost promotion.
- They participated in a cash bonus promotion in the past 6 months.
Custodial accounts and accounts in the name of a Trust are not eligible.
This offer is non-transferable.

The value of Platinum Saving Boost will be reported as interest income on IRS Form 1099-INT for the calendar year in which it was paid. The recipient is responsible for any applicable taxes.

For complete list of account details and fees, see our Personal Account disclosures.

Member FDIC

HSBC Premier - Up to $3,000

Learn More

Expires 12/31/2026

Earn a cash bonus when you open an HSBC Premier checking account and complete qualifying activities.

Get $1,000: Deposit or invest $50,000 to $99,999
Get $1,500: Deposit or invest $100,000 to $249,999
Get $2,000: Deposit or invest $250,000 to $499,999
Get $3,000: Deposit or invest $500,000+

The $50,000 minimum Qualifying Balance may qualify you for the promotional cash bonus, but HSBC Premier checking account has a $50 monthly maintenance fee unless you meet Premier qualification criteria (for example, $100,000 in combined balances).

How the offer works

Open a Premier checking account by December 31, 2026
Add your preferred amount of deposits and/or eligible investments within 30 days
Maintain your balances for 3 full consecutive months
Remain opted-in to receive HSBC marketing emails

If all offer requirements are met, the bonus will be paid within 8 weeks.

Your partner for every stage of life
We offer a unique range of products and privileges that gives you more of the things you care about. Plus, a personal Wealth Relationship Manager to help you reach your goals.

Wealth: Get access to a variety of investment solutions through HSBC Securities (USA) Inc. Investments are Not FDIC Insured; are Not a Deposit or Other Obligation of the Bank; and May Lose Value.
Health: Enjoy the support of a health and wellness concierge service, plus complimentary membership to 24/7 telemedicine services for you and your family.
Travel: Our credit cards come with a competitive range of rewards and benefits that complement your lifestyle.
International: Manage your finances around the world, with Premier privileges in select countries, perfect for global lifestyles.