Online Savings Account

Give your savings a boost

Straight-up, high-yield savings. That's what Jovia's Online Savings account is all about. When you bring money to Jovia, you'll earn 3.10% APY* on your entire balance and no monthly fees, with this online-only account. We can help you save for what matters most without locking up your funds.

So, get ready to jump-start your savings while enjoying branch-free convenience. Access your funds and bank with confidence anytime, anywhere, with our online and mobile banking services.

It’s time to put your money to work and boost your financial health. Let us help you get started.

Benefits of an Online Savings Account

Competitive Rate

Move your money to Jovia and earn 3.10% APY* with no monthly maintenance fees.

Branch-Free Convenience

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

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

Earn more and save more

When you open a Jovia Online Savings account, you'll be able to...

  • Maximize your savings. Earn 3.10% APY*. Wow!
  • 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 checking 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!
  • Manage your account with ease. Use Jovia’s Online and Mobile Banking to easily deposit checks, pay bills, transfer money, use Zelle to pay people you know and trust, and quickly review all transactions on your paperless statements (required for this account).3

It's the clear choice to bring your financial goals into focus.

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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!

  • 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! 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.
  • Need help? Meet Via! Via, our Virtual Interactive Assistant, can assist you with all your questions. If needed, Via can transfer you a live agent during normal business hours.
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The human touch, digitally
Access your account with ease

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.

Online and Mobile Banking

Perform everyday transactions, anywhere

Learn more

Interactive Teller Machine (ITM)

Stop into our branch locations to use an ITM

Learn more

Virtual Branch

Chat with a virtual teller wherever you are

Learn more

Current Rate




Minimum to Earn

Online Savings* 3.100% 3.057% $2.30

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.


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. New money only. Rates on Online Savings accounts 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.

Excess Savings Transaction fee is a Federal Reserve regulation that limits monthly withdrawals from savings accounts. Withdrawing/transferring from an Online Savings account more than six (6) times in one month will result in a fee. Other fees may apply to this account. Please refer to our fee schedule for details.

This account is an online-only account. No transactions can be completed on an Online Savings account in a Jovia branch or shared branch location. Use Jovia’s Virtual Branch, Online or Mobile Banking, and Jovia or Allpoint ATMs to make fee-free transactions.

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.