Go green, get green.

Go green, get green.

Open a first-time Go Green Checking account with direct deposit of $100 and get a $150 cash bonus.3

  • - Earn a 1.00% interest rate on account balances up to $25,000
  • - Free first order of checks* and no monthly maintenance fees
  • - Get up to $20 in monthly ATM fee rebates*

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 1.0% APY.* Jovia helps you keep more of your hard-earned cash, all while avoiding those pesky bank fees.

Benefits of banking with Jovia

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 1.00% 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.

Round-Up Purchases

Round up purchases and save with Stash My Cash

With Stash My Cash, every time you use your Jovia debit card, we’ll round up your purchase to the nearest whole dollar and stash it in your selected deposit account. Saving the spare change from everyday debit card purchases will automatically grow that stash into cash.

For example: If you spend $55.49 at the grocery store, the transaction will be rounded up to $56.00. 51 cents will automatically be added to your savings.

Stash cash for the grandkids, holiday gifts, the college fund, or for any other savings goals.

Have questions? We have answers!

Earn Bonus Interest

Start getting rewarded for using your account

You can earn a special bonus rate on balances up to $25,000, and a competitive rate for any balances over $25,000 when you:

  • Spend $250 on everyday purchases (like buying groceries) using your debit card.
  • Sign up to receive paperless statements within online banking or our mobile app.
  • Deposit $100 into your account with direct or mobile deposit, or pay at least one bill using Bill Pay each month.

Ready to start earning? You can track your monthly progress with the Jovia mobile app, or through online banking.

Earnings Estimator

To calculate your average daily balance, you must total your balance from each day in the billing cycle (even the days that your balance didn't change) and divide the total by the number of days in the cycle.

Estimated Annual Earnings:
Frequently Asked Questions
How is Go Green Checking interest calculated?

If you meet all of the minimum account requirements for a Go Green checking account 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 the number of days in each month.

The calculation used to obtain interest is: (interest rate% / number of days in the current year) 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 requirements are waived during the first month the account is opened, and bonus interest will be paid. All three requirements including Visa debit 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 of 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!

* APY = Annual Percentage Yield. Must meet account qualifications to earn APY and ATM fee reimbursements. When qualifications are met, earn 1.00% APY on balances up to $25,000 and earn 0.10% on balances over $25,000. Limited to one per member. Rates and terms are subject to change without notice. For account details, click here.

3 Offer available for new, first-time Go Green Checking accounts with a reoccurring minimum direct deposit of $100 in the checking account within 60 days of account opening. Cash bonus will post automatically to the members’ checking account when requirements are met and will be reported as income on IRS form 1099-INT. Membership eligibility requirements apply. Rates subject to change without notice. All promotional offers can be withdrawn at any time and are subject to change without notice. Employees, volunteers, and affiliates of Jovia and their immediate families are not eligible. Jovia and its agencies assume no responsibility or liability for damages, losses or injury resulting from acceptance or use of any gift. Existing accounts and submitted applications do not qualify for promotional offers.