Checking accounts that check the right boxes.

Becoming a member of Navigant Credit Union is a pretty big deal. Sure, signing up is easy, but the benefits you get will make you wonder why you didn’t do it ages ago. Take our checking accounts, for example. All of them feature Online Banking, Bill Payment, Mobile Banking, Mobile Deposit, and Telephone Banking. Additionally, you have free access to all ATMs that are part of the RI Credit Union Connection, and our lending discount off consumer loans with an automatic debit from your account. Plus, each one is designed with special perks to bring you more of what you want and need. Like overdraft protection, which gives you financial peace of mind in case of an unexpected emergency. More benefits, more reasons to love Navigant Credit Union.

To make your life a little more rewarding, we offer you the opportunity to earn 1.25% APY on balances up to $20,000, plus refunds* on ATMs used nationwide. To qualify for Journey Rewards Checking, our premier account, fulfill these three simple criteria:

  1. Enroll to receive your eStatements
  2. Make one direct deposit or automatic payment per monthly cycle
  3. Make 12 debit-card purchases per monthly cycle

Help me get started

APY is Annual Percentage Yield. Rate may change after account is opened without notice. You must maintain a minimum daily balance of $10.00 in your account each day to obtain the disclosed APY. Meet 3 simple reward rate criteria per qualification cycle: 1) 12 Debit Card Purchases must post and settle each qualification cycle; 2) Have 1 Direct Deposit or Automatic Payment post and settle per qualification cycle; 3) Access Online Banking and Enroll to Receive Electronic Statements. ATM-processed transactions do not count towards qualifying debit card transactions. Tier examples - Tier 1 - balances up to $20,000 receive APY of 1.25%; and Tier 2 - balances over $20,000 earn 0.345% interest rate on portion of balance over $20,000, resulting in 0.50% -1.25% APY depending on the balance. If qualifications are not met all account balances receive 0.05% APY. *ATM fee refunds up to $25 per qualification cycle.


Let’s face it, nobody likes low-balance fees. We don’t blame you. That’s why with our Personal Checking, we help you avoid those pesky $10.00 low-balance fees when you meet one of the following criteria:

  • Enroll in monthly direct deposit
  • Are 50 years of age or over
  • Able to maintain a minimum daily balance of $500

With Personal Checking you get interest paid on your account(s) that have a $10.00 minimum daily balance.

Help me open an account Show me the rates

Call Customer Service at 401.233.4700 for more information. Fees may reduce earnings. If condition is not met, a $10 monthly service fee will apply.

Our Relationship Checking takes things to the next level, by offering unlimited check writing and the ability to order 1 box of checks for free once per calendar year. Plus, the $12.00 low-balance fee is waived when you maintain a daily deposit balance across all accounts of $5,000. Another incentive to make you feel special, we will waive the fee on official checks and money orders. Talk about a win-win relationship.

Help me open an account Let’s see the rates

Call Customer Service at 401.233.4700 for more information. Fees may reduce earnings. Aggregate balance requirement is calculated using an average daily balance.


Specialty Checking Accounts

Whether this is your first account or you’re starting over again financially, we provide the freedom to make purchases without extra fees and a secure place to save your money. New Beginnings Checking and Savings accounts each require only $10.00 to open, and comes with an ATM card for convenient 24-hour access.

New Beginnings Checking

  • $10.00 monthly maintenance fee with Direct Deposit ($13.00 w/o Direct Deposit)

New Beginnings Savings

  • Earns interest

Free Services

  • Online Banking
  • Mobile Banking
  • Mobile Deposit
  • Online Bill Pay
  • Electronic Statements

Fees may reduce earnings.

This free checking account is like a financial tutor, allowing students to learn how to responsibly manage and access their money. All it takes is $10.00 to open an account, with rebate ATM fees up to $25.00 a month and one NSF-fee (Non-Sufficient Funds) refund a year.

Help me get started

Students 13-17 years old require a parent or guardian as a joint owner on the account. When a student turns 25 years old, the account will automatically switch to a free Journey Rewards Checking account or an equivalent account type offered at that time.

Frequently Asked Questions

ATM Visa/Debit Card: Convenience in your pocket.

Our ATM/Visa Debit Card takes away the need to always have cash on hand and gives you the convenience of being able to skip the check writing when you make a purchase. Funds are withdrawn directly from your assigned checking account.