Jovia’s Enhancement Weekend has been completed. Our banking services are back up and running for your convenience, including our teller services, online and mobile banking, business banking and more. Our in-branch member service continues to be by appointment only. Thank you for your patience as we work to bring you a brighter banking experience.

Due to the impact of the coronavirus, Jovia’s branch and service hours have changed. We have temporarily closed select branches and all in-branch member service needs will be by appointment only. 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 1.5% APY.* Jovia helps you keep more of your hard-earned cash, all while avoiding those pesky bank fees.

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 1.50% 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.

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 a Direct Deposit transaction of $100 or more each month 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

$12500
$0 $25,000
$187.5
Estimated annual interest earnings

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

Open Account

FAQs

How is the Go Green Checking interest calculated?

If you meet all of the minimum account requirements, 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 number of days in each month.

The calculation used to obtain interest is: (interest rate percentage / 365) 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.

Is there a grace period to meet the requirements when opening a Go Green Checking Account?

Yes, all Go Green Checking Account requirements are waived during the first month the account is opened, and bonus interest will be paid. All three requirements including Visa® Debit Card 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 your Go Green bonus by checking your progress within Online & Mobile Banking.

Can I open a checking account for my child?

Our Elements Account, specifically designed for children ages 11 to 17, is a great way to teach your child the basics of sound money management. Once you open this account, your child will become a member of our Elements Teen Club, and become eligible for a free Free Checking Account and Visa® Debit Card.

Please note that a parent, legal guardian or adult family member must be joint on the account for children 16 years old and younger.

Where can I withdraw cash without an ATM fee?

There are thousands of locations where you can access your money surcharge-free. Get 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!

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 1.50% APY on balances up to $25,000 and earn 0.15% on balances over $25,000. Limited to one per member. Rates and terms are subject to change without notice. Click here for account details.