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Business Banking

Business Checking & Savings Accounts

Two business owners reviewing their accounts together

Transform your business finances

A dedicated business account sharpens your professional image, simplifies your bookkeeping, and can improve your chances of getting credit.

See how to get started

Take the first step toward smarter money management

What’s in it for you? Everything your business banking needs, ready on day one. With a Navy Federal business account you:

  • Give your balance a boost with competitive interest rates
  • Get round-the-clock access through digital banking
  • Use tools built for tracking business cash flow, not personal spending
  • Receive a Navy Federal business debit card

Not yet a business customer? Join today. To open a business account you’ll first need a personal Navy Federal account.

Explore your options

Empower your business with a top-tier business checking account

Opening one is fast and straightforward. Which best matches your business?

  • Business Checking

    Best for new businesses and those with limited cash flow activity

    Features

    • No monthly service fee
    • 2 signers
    • First 30 non-electronic transactions included; $0.25 per transaction thereafter
    • Earns 0.01% APY
    Open account

  • Business Plus Checking

    Best for growing businesses, those with multiple owners, or steady banking activity

    Features

    • $8 monthly service fee
    • Unlimited signers
    • First 50 non-electronic transactions included; $0.25 per transaction thereafter
    • Earns 0.01% APY
    Open account

  • Business Premium Checking

    Best for established businesses with high transaction volumes, larger balances or several owners

    Features

    • $0 or $20 monthly service fee, depending on balance
    • Unlimited signers
    • First 100 non-electronic transactions included; $0.25 per transaction thereafter
    • Interest earned based on balance

    You can earn

    • $1,500–$9,999 | 0.35% APY
    • $10,000–$24,999 | 0.40% APY
    • $25,000+ | 0.45% APY
    Open account

Business checking schedule of fees and charges

Grow your reserves with a business savings account

Prepare for the unexpected, build working capital and strengthen your position. Choose the one that matches how you hold cash.

  • Business Savings

    Somewhere to hold a reserve that still earns. Instant access, no notice period, no minimum balance.

    Learn more

  • Business Money Market

    A stronger rate on larger reserves, with limited withdrawals each month and a $2,500 minimum.

    Learn more

  • Business Fixed Deposit

    Lock away cash you won't need for a set term and take the highest rate we offer on business balances.

    Learn more

Ready to separate business from personal? Open a business account.