{"account":{"slug":"navy-federal-free-easy-checking","bank":"Navy Federal Credit Union","name":"Free Easy Checking"},"status":"recent","lastVerified":"2026-10-12","officialSource":"https://www.navyfederal.org/checking-savings/checking/easy-checking.html","history":[{"date":"2026-06-11","apy":"0.05%","monthlyFee":"$0 (requires direct deposit or 20 debit transactions per statement period to stay in the product)","minimumOpen":"None","atm":"30,000+ free ATMs plus $10/statement period rebated out of network","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-10-12","apy":"0.05%","monthlyFee":"$0 (requires direct deposit or 20 debit transactions per statement period to stay in the product)","minimumOpen":"None","atm":"30,000+ free ATMs plus $10/statement period rebated out of network","note":"Reconfirmed 0.05% APY (as of 10/12/2026), no monthly service fee, direct-deposit or 20-debit-transaction requirement with conversion to Free EveryDay Checking after 6 periods, and up to $10 per statement period in ATM rebates","sourceUrl":"https://www.navyfederal.org/checking-savings/checking/easy-checking.html","sourceLabel":"Navy Federal Free Easy Checking page"}],"verificationEvents":[{"id":"00b86a23-251d-42d1-8196-33e1dd79dd50","entityType":"bank-account","slug":"navy-federal-free-easy-checking","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:11:19.759Z","sourceUrl":"https://www.navyfederal.org/checking-savings/checking/easy-checking.html","sourceLabel":"Navy Federal Free Easy Checking page","outcome":"confirmed","summary":"0.05% APY (as of 10/12/2026), no monthly fee, DD or 20-transaction requirement and $10 per statement period ATM rebate confirmed","changedFields":["features"],"facts":{"apy":"0.05%","atmRebate":"$10 per statement period, $120/yr"},"previousHash":"ae151f53134d2d861ec186f302626df44266c2023ce895d3f962e4bfefc21515","recordHash":"7a494845aeee5578dfebdf2f8b29306eb0b426e50ecc294d88f8cd424898edce"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}