Free Checking

• Get paid up to two business days early with direct deposit
• No more worrying about checks getting lost, delayed or stolen

• No monthly service fees or monthly minimum balance fees

• Feel secure with 24/7 state-of-the-art fraud monitoring and real-time fraud text alerts
• Monitor your accounts with free transaction alerts

*New free checking accounts open on or after June 1, 2026 through August 31, 2026 are eligible for $150 bonus. To qualify, you must have a total of $500 or more in Qualifying Direct Deposits and you must complete 12 debit card point-of-sale or signature purchases (ATM transactions and transfers between accounts do not qualify) that are cleared and posted to your account within the first 60 days after the checking account opening. If qualifications are met, the bonus will be credited to your Primary Savings account within 60 days of meeting all qualifications. To receive the bonus, the checking and primary savings account must remain open and in good standing through the date the bonus is credited. The promotion may be modified or changed at any time.
Members with an existing checking account or had a recently closed checking account within 90 days do not qualify. New free checking accounts only. Consumer accounts only. Qualifying Direct Deposits are defined as deposits from an enrolled member’s employer, payroll provider, benefits provider, pension, or the government (such as Social Security) via ACH deposit. External ACH transfers not from employers, verification or trial deposits from financial institutions, peer-to-peer transfers from services such as PayPal, Zelle, Cash App, or Venmo, mobile check deposits, cash loads or deposits, and any deposit which Navigator deems to not be legitimate are not Qualifying Direct Deposits. An ACH direct deposit made available early with Early Payday does not count toward the bonus requirements until it posts to your account and is no longer pending (e.g. the pay date scheduled by your payer). Member must be 18 years of age or older and in good standing. Maximum of one bonus per membership. Bonus may be considered income and reported on 1099 MISC or 1099INT. Any applicable taxes are the responsibility of the recipient.
**Sweepstakes Official Rules: No purchase necessary to enter or win. Purchase does not improve your chances of winning. New checking accounts meeting all required qualifications will automatically be entered for a chance to win in the month that all qualifications are met. One entry per membership account. Or mail a postcard with your name, address and email address to Navigator Credit Union, Attn: Marketing, P. O. Box 1647, Pascagoula, MS 39568. One mail-in entry per person per month. Must be at least 18 years of age or older to enter. Entries must be received by the last day of each month June, July and August 2026. The Credit Union is not responsible for lost, late, misdirected, incomplete, or illegible entries. Winners will be selected in a random drawing from all eligible entries received each month. The drawing will be held on or before the 10th day of following month of the qualifying period. Any entries not selected in a Drawing Period will NOT be entered in subsequent drawings. Winners will be notified by email and/or by phone and a cash bonus will be deposited in their Credit union primary savings account or a check mailed to the address provided within 10 business days. There will be one (1) $200 prize awarded each drawing. Prizes not claimed within 15 days of the drawing will not be awarded. Navigator employees, their immediate family, and official family members are not eligible to win. The cash prize may be considered income and reported on 1099 MISC or 1099INT. Taxes are the responsibility of the winner. Navigator Credit Union may end or amend sweepstakes at any time. Odds of winning depend on the number of eligible entries received for the drawing. Void where prohibited, taxed or restricted. Official winners list available upon written request. Except where prohibited, acceptance of any prize constitutes winner’s consent to the publication of his or her name, biographical information and likeness in any media for any commercial or promotional purpose, without limitation the Internet, or further compensation.

***Under the Courtesy Net option, a $25 overdraft fee will be assessed per presentment of a debit card transaction, ACH transaction, check, or bill pay transaction. You will be charged a fee each time a transaction is presented for payment, even if the same transaction is presented for payment multiple times. Courtesy Net is only permitted on one checking account per membership. The checking account will not become eligible for Courtesy Net until 90 days after the initial deposit to the checking account. Fiduciary accounts including Trust, Estate and Escrow accounts are not eligible for Courtesy Net. You have 30 days to pay your negative balance before you will no longer be considered in good standing with the credit union. We reserve the right not to pay an item, at our discretion. For example, we typically do not pay overdrafts if your account is not in good standing or you have previously had an excessive number of overdrafts, also at our discretion. If we do not authorize and pay an overdraft, your transaction will be declined and subject to the returned item/insufficient funds fee listed on our Fee Schedule. Overdrafts and fees are based on your available balance, which may be less than your actual balance, depending on pending charges, holds and pledges on your account. Courtesy Net will not cover overdrafts that cause the Checking account to exceed a negative balance of more than $500, including any prior fees assessed. All fees subject to change based on our current Fee Schedule. Additional restrictions may apply. See Account Agreement and Disclosure for more information.

Early Pay grants access to eligible direct deposit payments made into a Navigator Credit Union Checking or Savings account up to two business days prior to the scheduled payment date.

Certain direct deposit payments may not be eligible for Early Pay. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. Generally, funds are available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Daily/transaction limits apply. Federal holidays may affect availability. Available for personal accounts only. Eligible direct deposits are limited to electronic direct deposits of items, such as your payroll, pension and government benefits, made through the Automated Clearing House (ACH) to your personal account. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services, checks or mobile deposits, and other online transfers or electronic credits are not eligible. Any direct deposit not posted early will be made available to you in accordance with the payment instructions. After we have made the deposit available to you and you have withdrawn funds, you remain responsible if any deposit to your account is returned, rejected or uncollected by Navigator.

Subject to membership eligibility. Federally insured by NCUA