Stay on track with a simple, reliable free checking account—no monthly service fees, no minimum balance, and all the convenience you need for everyday spending.
Free Checking Account Features
Early Pay
- Get paid up to two business days early with direct deposit
- No more worrying about checks getting lost, delayed or stolen
Keep more of your money
- No monthly service fees or monthly minimum balance fees
Enjoy peace of mind
- Feel secure with 24/7 state-of-the-art fraud monitoring and real-time fraud text alerts
- Monitor your accounts with free transaction alerts
Navigator Membership Features
As a member-owned credit union, Navigator offers more than great rates. From rewards programs to smart financial tools, our services are designed to simplify your finances and support your goals.
Free e-Statements
Go paperless with online statements. It’s fast, secure, convenient and helps you track your finances.
Bill Pay
Take the hassle out of paying bills. Make payments, schedule recurring charges, and manage everything in one place.
Financial Calculators
Our easy-to-use tools help you plan smarter when you’re setting a budget, comparing loans, or making other financial decisions.
Financial Resources
Explore articles, guides, and tools to help you make informed financial decisions and strengthen your money management skills.
Bank from anywhere with our digital banking services.
Our mobile banking app offers a personalized online banking experience and more ways to manage your finances your way with ease, whether you’re at home or on the go.
Check your balance, transfer funds, and even pay bills — true online and mobile banking freedom is right at your fingertips!
Download the mobile app for your device to get started.
Contact Us
Free Checking FAQs
Navigator’s Free Checking Account has no monthly service fees and no minimum balance requirement. However, optional services—like paper statements, overdrafts, or returned items—may result in fees. You can avoid the paper statement fee by enrolling in free e-Statements.
With Early Pay, you can get your paycheck up to two days early when you set up direct deposit into your Navigator account. It’s a simple way to access your funds sooner—no waiting for checks to clear. The exact timing ultimately depends on your employer or payroll service provider.
There is no minimum deposit required to open a Free Checking Account.
Yes! Your Free Checking Account comes with a debit card you can use for everyday purchases.
You need to be a Navigator Credit Union member to apply for a Free Checking Account. Membership is open to residents of our service areas in Mississippi, Louisiana, Alabama, and Florida, their families, and to employees of select industries.
Explore Accounts
Save’N Up Account
Every purchase you make with your Navigator debit card is rounded to the next dollar. The change is automatically added to your high-interest Sav’N Up Checking Account!
Savings Accounts
Our goals aren’t one-size-fits-all, and your savings plan shouldn’t be either. Navigator Credit Union has programs that offer some of the best savings account rates and terms around.
Certificates & IRAs
Put time to work for you. With Navigator Certificates and IRAs, you have smart options for setting money aside and building toward a brighter financial future.
Overdraft protection options
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 form an overdraft when these things happen.
Courtesy Net
Courtesy Net allows you to overdraw your checking account to pay check, debit transactions, Bill Pay, and ACH transactions which would otherwise be rejected or returned due to insufficient funds. Courtesy Net covers transactions up to $500 for a $25 fee per transaction. Courtesy Net is an optional service and is designed for members that are in good standing and meet certain requirements.**
Overdraft Transfer
An overdraft occurs when you overdraw your account to cover a transaction. An overdraft transfer, also known as overdraft protection, is a service that automatically transfers funds from a linked account, like a savings account, to your checking account to cover transactions when you don’t have enough money. There is a $5 fee per transfer. This helps prevent you from paying overdraft fees or having transactions declined. Overdraft Transfer is an optional service and is for members who meet certain requirements.
Courtesy Net vs Overdraft Transfer
- Courtesy Net – You don’t have the money, but the credit union will cover the transaction up to $500 and charge a $25 fee per transaction.**
- Overdraft Transfer – You don’t have the money in your checking account, but you do in your savings account. The credit union will automatically transfer the money from your savings to your checking and charge a $5 fee.