Online Savings Account

Give your savings a boost

Ready, set, earn with 5.00% APY*! We know life moves at a fast pace, and we have a savings account that can keep up. Jovia’s Online Savings Account makes it easy to manage your money and save big without stepping foot in a branch.

Bring your money to Jovia and earn 5.00% APY* on your entire account balance with no monthly fees. This online-only account can help you save for what matters most without locking up your funds.

Get ready to jump-start your savings while enjoying branch-free convenience. Let us help you build a brighter banking experience.

Benefits of an Online Savings Account

Increasing chart icon

Competitive Rate

Move your money to Jovia and earn 5.00% APY* with no monthly maintenance fees.

Computer monitor icon

Branch-Free Convenience

Easily manage your account with mobile check deposit, automatic transfers, and early direct deposit1 through Online and Mobile Banking.

Map icon

Access cash anywhere

Enjoy fee-free cash withdrawals from your savings account at 55,000+ Allpoint® Network ATMs worldwide and at our branch ITMs on Long Island.2

Bonus Features

Online savings stands out

What sets Jovia's Online Savings account apart from other online-only savings accounts? We're glad you asked!

  • Get faster access to your cash. With Early Direct Deposit, if your employer sends your payroll to Jovia early, you might find your paycheck in your account up to two days earlier than you expected.1 Nice, right? You can also withdraw cash at over 55,000 Allpoint® ATMs worldwide.2 Some ATMs even take deposits - sweet!
  • Pay for purchases with your hard-earned savings. You’ll receive your bright new Jovia debit card by mail shortly after your Jovia Online Savings account is opened online.
  • Watch your savings grow! Manage your account with Jovia's mobile app and quickly review all your transactions on your paperless statements (required for this account).3 Add convenience services like Stash My Cash to save even more! 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.
Photo of dancing woman

Savings Calculator

Estimate your savings growth

Use our savings calculator to estimate your savings growth over time.

Interest Earned
Total Contributions
Initial Deposit
Your Total Savings

All calculations are estimates.

Current Rate




Minimum to Earn

Online Savings* 5.000% 4.889% $5.00

Jovia's Virtual Branch

The human touch, digitally

While Jovia's Online Savings is an online exclusive account, Jovia has many options available to you for maintaining your account and accessing your funds.

Need help? Visit our Virtual Branch and meet Via! Via, our Virtual Interactive Assistant, can assist you with all your questions. If you need, Via can transfer you to a live agent during regular business hours. Jovia’s Virtual Branch Team is able to meet with you wherever you are, just like you’ve stepped inside a physical branch.


Yes! A debit card will be ordered and mailed to you when your Online Savings account is opened online. Please be aware that fees may be assessed for greater than six transactions. Please refer to our consumer fee schedule for additional details.

Manage your Online Savings account with online or mobile banking. If you have any questions or need assistance, you can speak to Via our virtual assistant for our virtual branch. Meet her by visiting and clicking on the bubble in the lower right corner of the screen.

You can make a deposit into an Online Savings account by:

  • Direct Deposit (Routing # 221480807)
  • Mobile check deposit (available through the Jovia App)
  • A check or cash deposit at a Jovia ATM
  • An internal transfer from a Jovia account through online or mobile banking
  • An external transfer from a non-Jovia account through online or mobile banking
  • A cash deposit at an ATM. (Note: Cash deposits of up to $1,000 can be made at select All-point network ATM machines worldwide.) Please visit and select the appropriate geographical location and filters to locate a deposit-capable ATM.

You can make a withdrawal from your Online Savings account by:

  • An internal transfer into a different Jovia account through online or mobile banking
  • An external transfer into a non-Jovia account through online or mobile banking
  • A cash withdrawal at an ATM. (Note: Maximum cash withdrawal is $1,000 daily, however, cash withdrawal limits may vary by ATM issuer and fees may be assessed by the ATM issuer. Jovia does not charge a withdrawal fee to use a Jovia or All-point Network ATM for a withdrawal transaction.) To locate an All-point network ATM machine, please visit

No. As this is an online-only product. Jovia branch or shared branch transactions are not permitted on this account.


Ready, set, save!

Read these articles to learn more about savings best practices!

Establish your membership

If you're new to Jovia, we can help you build your savings for everyday and short-term goals. All that's required to open an online savings account is $5!4

Each month your paperless statement will be available in online and mobile banking for all your accounts held at Jovia, including the online savings account* – isn’t that convenient!

Open account

*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.

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.