Simplify your life with better banking solutions from Navigator Credit Union. Open an account and discover all the great benefits it offers.
Free checking
Navigator Credit Union’s Free Checking account offers a range of features designed to simplify your banking experience without incurring fees.
- No monthly fees or minimum balance requirements: Enjoy a free checking account with no hidden charges or stipulations.
- Early pay: Access your direct deposit funds up to two business days early, providing quicker access to your money.
- Instant issue debit card: Upon account opening, you will receive a debit card instantly, allowing you to access your funds immediately.
- Enhanced security: Benefit from 24/7 fraud monitoring and real-time fraud text alerts to secure your account.


Save’N Up
Navigator Credit Union’s Save’N Up program is an automated savings feature designed to help members grow their savings effortlessly.
Members can accumulate savings over time by rounding up debit card purchases and transferring the difference into a high-yield savings account.
- Automatic round-ups: Each debit card purchase is rounded up to the nearest dollar, with the difference transferred to your Save’N Up savings account.
- High-yield savings: Funds in the Save’N Up account earn a competitive 3% Annual Percentage Yield (APY) *.
- Matching contributions:
- First 30 days: Navigator will match 50% of round-up amounts from transactions in signature mode **
- Ongoing: Navigator will match 5% of round-ups amounts from transactions in signature mode after 30 days **
- Easy enrollment: New members can open an account online, while existing members can activate Save’N Up through Digital Banking.
Navigator membership resources
Free e-Statements
Bill Pay
Financial Calculators
Financial Resources
Bank from anywhere with our digital banking services.
Download the mobile app for your device to get started.
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Checking FAQs
For Navigator’s Free Checking account, there are no monthly service fees or monthly minimum balance fees.
An overdraft occurs when you don’t have enough money available in your account to pay for a transaction. You have options to protect your account from an overdraft with Courtesy Pay or Overdraft Transfer.
You will need the following information to complete the application:
- Government-issued ID/Driver’s License/State ID, or Passport with current address
- Your complete physical and mailing address
- Social Security Number
- Date of Birth
In digital banking, there are four types of alerts you can set up:
- Date Alert– Date Alerts are alerts that offer a convenient reminder of important dates or events.
- Account Alert– Account Alerts are alerts triggered based on changes to your account details.
- History Alert– History Alerts are processed transaction alerts triggered based on historical transaction details.
- Transaction Alert– Transaction Alerts are transaction-based alerts triggered based on the type of online transactions.
Yes, your money in a Navigator checking account is insured by the National Credit Union Administration (NCUA), which protects your deposits up to $250,000 per depositor per insured credit union.