NEFCU is now Jovia Financial Credit Union! Although we've changed our name, our commitment to you remains the same. Start banking on the bright side with Jovia today. Learn More

Checking Accounts

Free means free

If your bank is charging you fees to do your everyday banking, it’s time for something better. Free checking that earns you up to 3% APY.* Jovia helps you keep more of your hard-earned cash, all while avoiding those pesky bank fees.

Join Jovia and Open a Checking Account with Mobile Banking and Get a $50 Amazon Email Gift Card. (Minimum $100 initial deposit)

Now’s your chance to take advantage of one of the best and brightest checking accounts around. You’ll not only get a cool Amazon Email Gift card, but we’ll even give you $75 in cold hard cash when you elect direct deposit of $100 or more…that’s $125 in total rewards!

No Fees

There's no minimum balance to open, or minimum monthly balance to avoid maintenance fees. And, your first set of standard checks is free!

Higher Earnings

You can earn up to 3.00% APY* on account balances up to $25,000, and a competitive rate on balances over $25,000. That’s some serious earnings!

55,000+ ATMs

Enjoy fee-free withdrawals when you need cash at over 55,000+ Allpoint® Network ATMs. Plus, access your account anytime with free online and mobile banking.

Top-Rated App

Life can take you to many places. Whether you’re on the move, at home or on a beautiful beach, you can use our top-rated mobile app to bank anytime and anywhere with convenience and ease.

Did you know?

The average annual percentage yield for a checking account is 0.06%, while Jovia's Checking Account offers 3.00% APY*!

Start Earning

How can you earn more? Great question!

Jovia's Go Green Checking gives back when you do more. You can earn Jovia’s special bonus rate on balances up to $25,000, and a very competitive rate for any balances over $25,000 when you:

  • Spend $250 using your debit card for everyday purchases (like buying groceries).
  • Save some trees and sign up to receive paperless statements.
  • Either receive $100 or more each month through Direct Deposit or pay one bill a month with our Bill Pay service.

If you do all of these things, you’ll also get up to $20 in monthly ATM rebates, just in case the closest ATM isn't a Jovia ATM.

Earnings Estimator

See your annual earnings based on average daily balance.

Average Daily Balance

$0 $25000
Estimated annual interest earnings

Interest rates subject to change. Must meet account qualifications to earn APY.

Open Account

Say goodbye to fees and hello to free. Open your Free Checking account today!


* APY = Annual Percentage Yield. Must meet account qualifications to earn APY and ATM fee reimbursements. When qualifications are met, earn 3.00% APY on balances up to $25,000 and earn 0.50% on balances over $25,000. Limited to one per member. Rates and terms are subject to change without notice. Click here for account details.

Promotions run from October 1, 2019, through December 31, 2019. Offer is available for new members over the age of 18. Membership eligibility required. Limited to one per member. The minimum opening balance of $100 must remain in the new checking account for six months. Must meet account qualifications to earn APY and ATM fee reimbursements. Ask for account details. Accounts opened prior to the promotional period do not qualify.

†For the Checking/Mobile banking promotion; e-gift cards will be e-mailed within 45 days after meeting promotional requirements. The recipient is responsible for the payment of any and all federal and state taxes associated with this gift.

‡Offer is subject to change without notice. The offer is for new, first-time checking accounts with direct deposit only. Minimum direct deposit of $100 must be deposited to the checking account within 60 days of account opening. Cash bonus of $75 will be credited to the checking account within 30 days after meeting the direct deposit requirement. Cash bonus will be reported as income on IRS form 1099-INT. Direct deposit is considered to be a recurring, pre-authorized deposit credited to the account via ACH and excludes one-time ACH credits (i.e. tax refunds, deposits from other banks, etc.) Offer not eligible on existing checking, recently closed, negative balance, or business accounts. Account must remain open for six months or bonus will be forfeited. Membership eligibility restrictions apply.

Amazon® is a trademark of Inc. or its affiliates. Amazon is not a sponsor of this promotion.

All offers can be withdrawn at any time and are subject to change without notice.