For many small businesses, a critical step is opening a business checking and savings account. Think of these accounts as essential tools to help your small business grow and thrive.
All accounts earn dividends and come standard with a Navy Federal GO BIZ® Debit Card, free starter checks and access to digital banking.*
First 30 non-electronic transactions included; Footnote 1 $0.25 per transaction thereafter
First 50 non-electronic transactions included; Footnote 1 $0.25 per transaction thereafter
First 100 non-electronic transactions included; Footnote 1 $0.25 per transaction thereafter
| TIERS | APY Footnote 4 |
|---|---|
| $0-$9,999: | 0.35% |
| $10,000-$24,999: | 0.40% |
| $25,000 & over: | 0.45% |
The GO BIZ® Debit Card is designed to help keep your business moving forward.
about Navy Federal's commercial real estate loan offeri
From money market savings accounts to certificates, choose from a variety of dividend-earning options to grow your money.
Dividends earned daily
Jumbo dividend rate earned on balances of $100,000 or more
Higher dividends earned through longer maturities
Your Navy Federal business membership comes with an exclusive combination of benefits you won’t find anywhere else:
Yes, to open a business account with Navy Federal, you first need to have a business membership. Here’s how to join.
The number one benefit to having a separate business account is it allows you to keep your business and personal finances separate. Why does that matter? If you use one account for everything, it can be hard to differentiate between personal and business transactions. And, having a business account:
Yes. You can open a checking line of credit, which will protect you against overdrafts and overdraft fees. Your checking line of credit can also help with other business needs like offsetting short-term cash gaps. Visit our Business Lines of Credit page for more details.
To be eligible for Business Solutions offerings, business owners must first be members of Navy Federal Credit Union.
Already a Navy Federal member, but not yet a business member?
Join Today and become a Business Solutions member
Ready to Open a New Business Checking or Savings Account?
If you’re already a business member, follow these easy steps:
Non-electronic transactions are defined as checks processed and in-branch transfers, deposits and withdrawals. Up to 12 checks for deposit at a branch will count as one transaction.
Rates on variable rate accounts could change after account opening. Fees may reduce earnings. Offering rates may change.
Monthly service fee waived if average daily balance is $5,000 or more. Otherwise, a $20 monthly service fee will apply.
Maintain a minimum daily balance of $1,500 to earn dividends.
Since 1933, Navy Federal Credit Union has grown from 7 members to over 13 million members. And, since that time, our vision statement has remained focused on serving our unique field of membership:
"Be the most preferred and trusted financial institution serving the military and their families."
24/7 Member Services: 1-888-842-6328 Routing Number: 256074974
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Navy Federal conducts all member business in English. All origination, servicing, collections, and marketing materials are provided in English only. As a service to members, we will attempt to assist members who have limited English proficiency where possible. Military images are used for representational purposes only; do not imply government endorsement. Terms and conditions are applied to gift cards.
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