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. For more information, please click here.

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 2.5% 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 2.50% 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

$0 $25000
Estimated annual interest earnings

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

Open Account


How is the interest calculated on a Jovia Free Checking account?

If you meet all of the minimum account requirements to receive interest on a Jovia Free Checking account balance, 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 / 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 Jovia Free Checking Account?

Yes, there is. All requirements to earn interest on your Jovia Free Checking account balance are waived during the first month the account is opened, and bonus interest will be paid. All three requirements including Visa® debit, direct deposit/bill pay, and e-statement must be fulfilled by the 28th of the following month to earn the bonus interest. You can track your bonus interest by checking your progress on our mobile app or home banking.

Can I open a checking account for my child?

Our youth 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 Jovia 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.

What documents are needed to open a savings account or a checking account?

If you are opening your first membership account with us, you should check out the requirements for becoming a member. You can open your account online, at a branch or by phone.

If you are already a member and are looking to open an additional account, simply sign in to Online Banking and select the 'Additional Services' menu.

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 2.50% APY on balances up to $25,000 and earn 0.30% on balances over $25,000. Limited to one per member. Rates and terms are subject to change without notice. Click here for account details.