Checking Accounts

Bring balance back to your checkbook

You deserve better than a bank that will charge you fees just to handle your own money. You deserve a free checking account that rewards you with cash back, a free first order of checks, and access to over 55,000 fee-free ATMs worldwide.

We know you work hard to maintain your account balances - that’s why we help you keep more of that money in your credit union checking account, instead of paying maintenance fees and service charges.

Benefits of banking with Jovia

Cut the pesky fees

Never worry about having to pay a monthly maintenance fee for your checking account or keeping a minimum balance to avoid one. And your first set of checks? Those are free, too!1

Move money easily

Get credit union convenience without ever leaving home. You can deposit checks, send money with Zelle®, or pay bills anywhere, anytime within online banking or the Jovia mobile app.

Access cash anywhere

Enjoy fee-free cash deposits and withdrawals from your checking account at over 55,000 Allpoint® Network ATMs worldwide2, or get up to $20 in monthly ATM rebates when account qualifications are met, just in case a fee-free ATM isn't nearby.

Bonus Interest

Earning interest is as easy as 1-2-3

You can earn a special bonus rate on checking account balances up to $25,000 each month when you:

  • Spend $250 on everyday purchases (like buying groceries) using your debit card.
  • Sign up to receive paperless statements within online banking or our mobile app.
  • Deposit $100 into your checking account with direct or mobile deposit, or pay at least one bill using Bill Pay each month.

Ready to start earning? With online and mobile banking, you can track your monthly progress with the Jovia mobile app, or through online banking. Plus, we’ll give you up to $20 per month in ATM rebates at non-Jovia ATMs when you meet these requirements each month.

Current Rates


Minimum to Earn



Balances ≤ $25,000.00 $0.01 1.000% 1.000%
Balances ≥ $25,000.01 $25,000.01 0.100% 0.100%
Annual Earnings Estimator

Find out how much you can earn in bonus interest.

To calculate your average daily balance, you must total your balance from each day in the billing cycle (even the days that your balance didn't change) and divide the total by the number of days in the cycle.

Estimated Annual Earnings:
Save as You Spend

Round up purchases and save with Stash My Cash

With Stash My Cash, every time you use your Jovia debit card, we’ll round up your purchase to the nearest whole dollar and drop the spare change into a separate account. It’s like a virtual change jar.

Quickly save money for holiday gifts, the college fund, someone special like kids or grandkids, or anything else.

Have questions? We have answers!

Ready to get started?

Overdraft Protection

Because nobody's perfect

Mistakes happen from time to time, but when they involve your checking account, it’s nice to know you have a back-up. That’s where Jovia's SafetyLine3 comes in to bail you out.

Jovia’s SafetyLine is a low variable rate revolving line of credit that is linked directly to your Checking account. With this overdraft protection, you can:

  • Avoid inconvenient overdraft fees
  • Escape the embarrassment of a bounced check
  • Eliminate declined debit card transactions
Green Light Checking

Get back on the road to financial success.

We’ve created Green Light Checking4 to support those who have experienced financial challenges by offering an opportunity to get back on track and re-establish a solid checking history.

  • Access your account anytime with free Online and Mobile Banking services. Check your balance, pay bills, or deposit checks 24/7. Plus, enjoy fee-free withdrawals when you need cash at over 55,000 ATMs.
  • Provides an opportunity to graduate to our Go Green Checking account
  • Delivers education on how to reach your financial goals

Have questions? We have answers!

Frequently Asked Questions

If you meet all of the minimum account requirements for a Go Green checking account you will receive the current bonus interest rate on balances up to $25,000. The balance calculation is based on many factors, including the average end-of-day account balance and the number of days in each month.

The calculation used to obtain interest is: (interest rate% / number of days in the current year) multiplied by the average end-of-day balance of the account for the month in question multiplied by the number of days in the month.

There are thousands of locations where you can access your money surcharge-free. Get or deposit cash at any of our credit union ATMs or at thousands of Allpoint® ATM's nationwide.

Find an ATM

Plus, if you have a Go Green Checking Account and meet the account requirements, we'll reimburse you up to $20 per month for any out-of-network ATM fees you may incur!

To reorder checks online:

  • Sign into Online Banking
  • Click on the Additional Services from the menu
  • Select Check Reorder
  • Choose the account for which you wish to order checks
  • Follow the prompts on the screen to complete your order

Yes, all Go Green requirements are waived during the first month the account is opened, and bonus interest will be paid. All three requirements including Visa debit usage, direct deposit/bill pay, and paperless statement enrollment must be fulfilled by the 28th of the following month to earn the bonus interest.

You can keep track of your Go Green bonus by checking your progress within Online & Mobile Banking.

The process for reporting fraud is dependent on the type of transaction within your account. Please refer to the following to determine which report is required for you to complete.

Credit Cards: If you are reporting fraudulent transactions involving your credit card, please call us at (800) 449-7728.

Debit Cards: If you are reporting fraudulent transactions involving your debit card, please complete the Visa® Fraud Form.

Check Fraud: If you are reporting a transaction involving a fraudulent check, please complete the Fraudulent Check Form.

ACH (Electronic Payment) Fraud: If you are reporting a transaction that was taken from your account electronically, please use the Unauthorized Withdrawal Form.

Zelle Fraud: If you are reporting fraudulent transactions involving Zelle, please contact us immediately at (516) 561-0030.

Bill Pay Fraud: If you are reporting a transaction that was taken from your account through Jovia Bill Pay, please contact us immediately at (516) 561-0030.

We take our member's security very seriously. If you feel there was an unauthorized transaction on your account, we are committed to investigating your claim.

Debit or Credit Card (DBT/POS) transaction

Many times disputes can be resolved quickly by contacting the merchant directly. If you are unable to resolve the dispute with the merchant, you can file your dispute with us. Please complete the Visa® Charge Dispute Form and submit it electronically. Any additional information such as receipts that may assist in resolving the dispute, should be indicated on the form. Disputes can take up to 60 days to resolve.

Unauthorized Withdrawal (ACH/non-debit or credit)

If you are on an account with another individual, consult with them first to verify that he/she did not authorize the withdrawal. If the withdrawal was not authorized by any of the account owners, please complete an Unauthorized Withdrawal Form.

If the fraudulent transaction involved a check, a police report is required along with a Fraudulent Check Form. Documents should be forwarded to the Sharedraft Administrator in Deposit Operations for further processing.

Documents must be received with 60 days of the item being presented to the account to receive provisional credit.

If your Visa® Debit Card was stolen, or you just misplaced it and need a new one, you can:

  • Visit a Branch to cancel the lost or stolen card and have a new debit card issued to you instantly.
  • Call us at (516) 561-0030 to cancel the lost or stolen card. Once your card has been reported as lost or stolen and canceled, a new card will be mailed to you within 4-5 days. If you are reporting a card as lost or stolen after regular business hours, please call (833) 929-2135. If you are traveling internationally and are reporting a card as lost or stolen after regular business hours, you can call us at (614) 564-5105.

In the event of fraud, we also ask that you complete our Visa® Fraud Form.

1 Free first order of standard checks for new accounts only.

2 Allpoint® ATMs are fee-free for cash deposits and withdrawals only. Other fees may apply. For more information, please refer to our fee schedule.

3 Offers of credit are subject to credit approval. Not all applicants may be approved.

4 To open this account, you must currently not be eligible for either a Standard Checking Account or a Go Green Checking Account. The minimum required to open this account is $25.00. No minimum balance requirements to maintain this account. This account will not earn dividends. Please see our fee schedule for fees that may apply to this account.

* APY = Annual Percentage Yield. Must meet account qualifications to earn APY and ATM fee reimbursements. When qualifications are met, earn 1.00% APY on balances up to $25,000 and earn 0.10% on balances over $25,000. Limited to one per member. Rates and terms are subject to change without notice. To learn more, please refer to our account qualifications.

+ Offer available for new, first-time Go Green Checking accounts with a reoccurring minimum direct deposit of $100 in the checking account within 60 days of account opening. Cash bonus will post automatically to the members’ checking account when requirements are met and will be reported as income on IRS form 1099-INT. Membership eligibility requirements apply. Rates subject to change without notice. All promotional offers can be withdrawn at any time and are subject to change without notice. Employees, volunteers, and affiliates of Jovia and their immediate families are not eligible. Jovia and its agencies assume no responsibility or liability for damages, losses, or injury resulting from acceptance or use of any gift. Existing accounts and submitted applications do not qualify for promotional offers.