If you or a family member has a military or Department of Defense connection, Navy Federal’s new-member checking offer is an easy $400. Join with promo code CHK26SRC between Oct. 1 and Dec. 31, 2026, open a checking account as the primary owner by Dec. 31, then complete qualifying direct deposits by April 30, 2027. Membership is open to active duty, reservists, National Guard, veterans, retirees, DoD civilian employees and contractors, and their immediate family. The family part is the one people miss, so check whether a parent, spouse or sibling makes you eligible. There’s no monthly service fee, and you only need $5 in the membership savings account. Existing members don’t qualify, and neither do people who closed their membership savings in the last 270 days. Navy Federal says it can take up to 120 days to confirm your direct deposit, so start soon. The offer can end early. More deals at Points Quest.
Already a member? Navy Federal's New Flagship Premier Card Comes With 50,000 Bonus Points and a $100 Airline Credit.
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