[Expired] Navy Federal Credit Union $250 Checking Account Bonus (2026) - Review & Requirements
Below is the offer exactly as we last tracked it, kept for reference. It may no longer be available to open.
- Direct deposit: $500+ in qualifying direct deposits each month for 3 consecutive months
- Deposit window: 122 days
- Minimum opening deposit: $5
- Enter promo code AM250CHK when you apply
- Availability: Nationwide
- No stated lifetime limit
- ChexSystems sensitivity: Unknown
- Credit pull: soft pull only
- Monthly fee: $0 — Navy Federal checking accounts have no monthly service fee.
- No early-closure rule listed
What Counts as Direct Deposit
Based on community data points and bank terms. Employer payroll is always the safest method. "Mixed" means some users report success but it is not guaranteed.
Overview
Navy Federal Credit Union's $250 checking offer is no longer available. This page preserves the final tracked requirements, source, and offer history so you can compare it with currently active bonuses.
Pros
Cons
Notes
Enter promo code AM250CHK during application. Receive $500+ in direct deposits EACH month for 3 consecutive months. Each period must stand on its own; front-loading one large deposit does not qualify. Keep the account open and in good standing until the bonus posts.
How This Compares to Other Bonuses
Navy Federal Credit Union's $250 offer is closest in headline value to Farmers Insurance Federal Credit Union's $250 checking bonus. Compare the direct-deposit requirement, geographic eligibility, fees, approval sensitivity, and payout timing, not only the advertised amount.
Frequently Asked Questions
What is the current Navy Federal Credit Union checking bonus?
The final offer we tracked paid $250; it is now marked expired.
Does the Navy Federal Credit Union bonus require direct deposit?
Yes. The catalog currently records $500+ in qualifying direct deposits each month for 3 consecutive months. Confirm the bank's exact definition before applying.
When should the Navy Federal Credit Union bonus post?
The bank does not provide a dependable posting estimate in our current record, so keep the account open until payment arrives.
Full Requirements
Join Navy Federal (online or in-branch) with promo code AM250CHK and open a checking account as primary owner by 7/31/2026. Complete qualifying direct deposit transactions by 11/30/2026: recurring ACH/payroll/allotment totaling at least $500 recurring for 3 of 4 consecutive months. $5 minimum to open/maintain the Membership Share Savings Account. Bonus paid to the Membership Savings Account.
Fees
Navy Federal checking accounts have no monthly service fee.
ChexSystems & Credit Pull
Membership requires military affiliation eligibility verification.
Eligibility
MILITARY-AFFILIATION ELIGIBILITY REQUIRED (DoD/military/veteran/family). Nationwide, not state-specific. Promo code AM250CHK; new members joining with a new checking account as primary owner (existing Navy Federal members are NOT eligible). Replaces the prior $200 CHK26MJ offer that ended 6/30/2026.
Sources (2)
We last checked this against the bank's page on July 29, 2026.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.