everyday spending
Choose the AccountRight for You
All Justice Federal Checking Accounts offer exceptional services that help you manage your money safely, conveniently, uniquely your way.
No Minimum Balance
Freedom Direct
Enjoy financial independence with Freedom Direct. Freedom from monthly fees and freedom from having to maintain a minimum account balance.
Rewards & More
Justice National
You’ve worked hard to achieve your financial wellbeing– a Justice National Account can further enrich your life with dividends and exceptional rewards.
Members 55+
Beyond The Badge
We understand what the badge means to you― whether you are an active employee or have served and are now enjoying retirement the Beyond the Badge account was designed for you.
Students
Student Rewards
What’s quicker and smarter than paying by cash? A Student Rewards VISA1 debit card, the card that rewards you for purchases.
Rewards
N/A
Yes
Yes
Yes
High Yield Savings Rate
Earn 4.00% APY2 on
Freedom Direct Savings with Direct Deposit to a Freedom Direct Checking Account
Learn More
Earn 4.00% APY2 on
Freedom Direct Savings with Direct Deposit to a Justice National Checking Account
Learn More
Earn 4.00% APY2 on
Freedom Direct Savings with Direct Deposit to a Beyond The Badge Checking Account
Learn More
N/A
Minimum Balance
$0
$2,500**
$2,500**
$0
Additional Features
No Minimum Balance
No monthly service fees
Relationship rate increase on New & Renewed Share Certificate Accounts*
High-yield dividends on balances of $2,500 or more**
Relationship rate increase on New & Renewed Share Certificate Accounts*
High yield dividends on balances of $2,500 or more**
5,000 Welcome Bonus Rewards
Unlimited ATM use, free of surcharges and transaction fees***
Free Justice Federal Image Checks for Retired Members
No Minimum Balance
No monthly service fees
Choose the AccountRight for You
All Justice Federal Checking Accounts offer exceptional services that help you manage your money safely, conveniently, uniquely your way.
No Minimum Balance
Freedom Direct
Break free of monthly charges with Freedom Direct. Freedom from monthly fees. Freedom from minimum balance requirements. For those just starting out in their financial independence, for those who are looking to break free of accounts with monthly charges, and everyone in between.
Rewards
N/A
High Yield Savings Rate
Earn 4.00% APY2 on
Freedom Direct Savings with Direct Deposit to a Freedom Direct Checking Account
Learn More
Minimum Balance
$0
Additional Features
No Minimum Balance
No monthly service fees
Rewards & More
Justice National
You’ve worked hard to achieve your financial wellbeing– a Justice National Account can further enrich your life with dividends and exceptional rewards.
Rewards
Yes
High Yield Savings Rate
Earn 4.00% APY2 on
Freedom Direct Savings with Direct Deposit to a Justice National Checking Account
Learn More
Minimum Balance
$2,500**
Additional Features
Relationship rate increase on New & Renewed Share Certificate Accounts*
High-yield dividends on balances of $2,500 or more**
Mobile Wallet Compatibility
Members 55+
Beyond The Badge
We understand what the badge means to you― whether you are an active employee or have served and are now enjoying retirement the Beyond the Badge account was designed for you.
Rewards
Yes
High Yield Savings Rate
Earn 4.00% APY2 on
Freedom Direct Savings with Direct Deposit to a Beyond The Badge Checking Account
Learn More
Minimum Balance
$2,500**
Additional Features
Relationship rate increase on New & Renewed Share Certificate Accounts*
High yield dividends on balances of $2,500 or more**
5,000 Welcome Bonus rewards
Unlimited ATM use, free of surcharges and transaction fees***
Students
Student Rewards
What’s quicker and smarter than paying by cash? A Student Rewards VISA1 debit card, the card that rewards you for purchases.
Rewards
Yes
Minimum Balance
$0
High Yield Savings Rate
N/A
Additional Features
No Minimum Balance
No monthly service fees
Checking Account Advantages
Enjoy the advantages of Digital Banking with Bill Pay, account controls, remote deposit, email alerts, automatic payments, advanced security features and much more...
Contactless Debit Card
Direct Deposit Availability
Surcharge-free access to nearly 130,000 ATMs worldwide
Access to 20 Justice Federal Branches Nationwide and thousands of Shared Branches
Opt-in to Courtesy Pay overdraft protection for your debit card transactions
Advanced security for your online purchases
Unlimited Checking
Earn 4.00% APY* when you add Direct Deposit to a new or existing Justice Federal Checking Account.
You Deserve To Be Rewarded
Earn points or cash rewards when you shop with a VISA® Rewards Credit Card, VISA Signature or sign for VISA Rewards Debit Card purchases*.
digital banking
Easy To Use
A fresh design offers a seamless experience whether at your desk, or using our mobile app.
Ellie— Your 24/7 Virtual Financial AssistantEllie provides 24/7 support for your Justice Federal account and can assist you with details like recent transactions, balances, due dates, and even transfer money between accounts.
Savings Goalstrack your progressSet your own personal savings goals, and track your progress. Saving for a vacation, major purchase, or home upgrade has never been easier.
2-Step Authenticationfor secure bankingProtect your accounts against password theft with Google Authenticator.
Organizational Checking
A Checking Account for unique non-profit banking needs.
An Organizational Checking account offers:
No Monthly Service Fee
No Minimum Balance Requirement
Unlimited Checking
All Organizational Checking Accounts include:
Digital Banking with Bill Pay: Access your account anytime, anywhere.
Remote Deposit: Save time and improve cash flow.
Overdraft Protection: Help protect your account from unexpected overdraft charges with Courtesy Pay.
All parties to the Organizational Checking Account are required to be within our field of membership.
See eligibility list.
Account Disclaimers
*Basis Point = An amount equal to 1/100th of one percentage point (.01). Example of 10 basis point rate increase: if rate is .50%, with the 10 basis point increase the rate would be .60%. Certificate rate increase effective by end of the business day on date of opening or renewal. Checking Account and certificate must be under the same account number. Checking account relationship rate will be reduced to the original dividend rate of your share certificate for the remainder of the certificate term if the checking account is closed.
**Nominal monthly fee applies if minimum balance of $2,500 is not met.
***ATM surcharge and transaction fees are credited back to your account at month end. Justice Federal reserves the right to withdraw this offer at any time.
1To open a Student Rewards Checking account, member must be 13 years of age and a full time student. If under 18 years of age, a joint owner who is at least 21 years of age must be on the account. When the student reaches 23 years of age, the Student Rewards Checking account will convert to a Justice National Checking Account (JNA) automatically.
2APY= Annual Percentage Yield. APY is subject to change without notice. Rate effective May 1, 2024. Freedom Direct Savings will earn 4.00% APY on balances up to $25,000 if the accountholder has direct deposit(s) of at least $500.00 to a Freedom Direct, Justice National, or Beyond the Badge Checking Account during a month. Balances over $25,000 will earn 0.150% APY and all balances in a month when qualifications are not met will earn the standard Share Savings APY starting at 0.100%. One Freedom Direct Savings per Justice Federal membership. Justice Federal reserves the right to withdraw this offer at any time. See a representative for details.
Legal Disclaimers & Information
Electronic Transfer & Point of Sale Dispute Resolution Notice
Understanding Your NCUA Share Insurance Coverage
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
Understanding Your Coverage
Your Insured Funds
NCUA e-Calculator
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