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 4.50% 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 Digital Statements
  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 and is accurate as of 04/17/2023. You must maintain a minimum daily balance of $10.00 in your account to obtain the disclosed APY. Also, you must meet the additional three eligibility requirements to receive the full Journey Rewards Checking benefits: (1) 12 debit card purchases must post and settle each monthly statement cycle; (2) have one direct deposit or automatic payment post and settle each monthly statement cycle; and (3) access online banking and enroll to receive electronic statements. ATM fee refunds up to $25 per monthly statement cycle. ATM-processed transactions do not count towards qualifying debit card purchases.  If all Journey Rewards Checking eligibility requirements are met, balances between $10-$20,000 receive an APY of 4.50% while balances over $20,000 receive an APY of .35%. If you do not meet all Journey Rewards Checking eligibility requirements each monthly statement cycle, your account will still function as a Journey Rewards Checking account earning an APY of .05%, and you will not receive ATM fee refunds for that time period. Rate is subject to change at any time after account opening. Fees may reduce earnings. For existing and new members when a new Journey Rewards Checking account is opened. 


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.

A digital-focused account intended for 13-22 year olds. Open this account with just $10, and enjoy no fees. 

Features include:

  • Money Management
  • Round-up to Savings Account
  • Card Controls
  • Mobile Deposit
  • Mobile Alerts

Open an account

Fees may apply to out-of-network ATMs. Primary account holders 13-17 years old require a parent or guardian as a joint owner on the account. When the primary account holder turns 22 years old, the account will automatically switch to a Journey Rewards Checking account or an equivalent account type offered at that time. Bill Payment, Pay a Person and EFT only available for members 18 years of age and older. This account will not be eligible for overdraft privilege. There are no Insufficient Funds (Returned or Paid), or Uncollected Funds fees. Federally Insured by NCUA.

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.