Navy Federal Credit Union $400 New Member Checking Bonus – Ends 12/31/26

Navy Federal Credit Union is offering $400 for opening Membership Savings plus a new personal checking account and completing the current promotion requirements. This offer is Nationwide for people eligible for Navy Federal membership, including qualifying military, veteran, Department of Defense, contractor, and immediate-family groups.

Bonus Overview

• Bonus: $400
• Account: Membership Savings plus a new personal checking account
• Availability: Nationwide for people eligible for Navy Federal membership, including qualifying military, veteran, Department of Defense, contractor, and immediate-family groups.
• Expiration: December 31, 2026
• Promo code: CHK26SRC

Eligibility

New members age 18+ only. Existing members and applicants whose Membership Share Savings was closed during the prior 270 days are excluded. Limit one bonus per member; business and trust accounts are excluded.

How to Earn the Bonus

• Join Navy Federal using promo code CHK26SRC between October 1 and December 31, 2026.
• Open a checking account as primary owner by December 31, 2026.
• By April 30, 2027, establish qualifying transactions/direct deposits totaling at least $500 and recurring in at least three of four consecutive months, as defined in the official disclosure.
• Keep Membership Savings open and funded with the required $5 share and keep checking open with a positive balance through payout.

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Earn $400

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Important Dates and Payout

Offer deadline: December 31, 2026

The bonus will be deposited to Membership Savings by July 30, 2027. Navy Federal may take up to 120 days to confirm direct deposit establishment.

Fees and Important Terms

Navy Federal offers checking options with no monthly service fee. A $5 minimum Membership Savings share is required.

The account must remain open and in good standing through reward payment. Cash rewards may be taxable. Bank and credit-union terms can change, so save the offer disclosure shown during application.

How to Apply

Use the offer button above to review the official promotion. Confirm the offer amount, eligibility, deadlines, and promo code before opening the account.

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