^*APY = Annual Percentage Yield. Rates may change after the account is opened. Minimum balance to earn APY is based on a 30-day month. Fees may reduce earnings on the account.

An excess savings transaction fee will be charged if there are more than six (6) pre-authorized, electronic, or automated telephone transfers/withdrawals per month from this account. Other fees may apply to this account. Please refer to our fee schedule for details.

This account is an online-only account. A fee will be charged for any transaction that a digital-only member conducts on any account that can be performed via self-service digital methods. Self-service digital methods are Online Banking, Mobile Banking, Via chatbot, Interactions with the Virtual Branch (audio, video, chat with a live representative during business hours ), or using ATM or ITM without a representative. If the credit union requires your physical presence or prohibits a particular transaction from being completed digitally, then you won't be charged. You may be charged up to three (3) personal assistance fees during a rolling 12-month period before your account will be converted to a traditional share account. The personal assistance fee will be charged when the digital member uses personal assistance to conduct the transaction with the credit union or shared branch locations. Effective June 3, 2024, the fee charged will be $25.00. This account will change your entire membership status to a digital member which requires all transactions performed by you for all Jovia accounts (whether preexisting or with another member) to be without any personal assistance.

¹ Early Direct Deposit of regular periodic payments (such as salary, pension, or government benefits) may be available to you up to 2 days earlier than the payer’s scheduled payment date. This feature depends on timing of the payer’s submission of ACH deposits so it may not always arrive early as it depends on the timing of your payer’s payment instructions. Certain non-payroll and tax payments are not eligible for early direct deposit.

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

³ Paperless statements are required for this account and all other Jovia accounts/products. You must register with online/mobile banking to view paperless statements.

⁴ Membership eligibility requirements apply. A minimum of $5 must be maintained in an Online Savings account to access all Jovia products and services.