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.+

  • - Earn a 1.00% interest rate on account balances up to $25,000
  • - Free first order of checks1 and no monthly maintenance fees
  • - Get up to $20 in monthly ATM fee rebates*

Checking Accounts

Bring balance back to your checkbook

You deserve better than a bank that will charge you fees just to handle your own money. You deserve a free checking account that rewards you with cash back, a free first order of checks, and access to over 55,000 fee-free ATMs worldwide.

We know you work hard to maintain your account balances - that’s why we help you keep more of that money in your credit union checking account, instead of paying maintenance fees and service charges.

Benefits of banking with Jovia

Cut the pesky fees

Never worry about having to pay a monthly maintenance fee for your checking account or keeping a minimum balance to avoid one. And your first set of checks? Those are free, too!1

Earn cash back

Enjoy extra money in your pocket on qualifying purchases made with your Visa® debit card when you sign up for purchase rewards within online banking.

Move money easily

Get credit union convenience without ever leaving home. You can deposit checks, send money with Zelle®, or pay bills anywhere, anytime within online banking or the Jovia mobile app.

Access cash anywhere

Enjoy fee-free cash withdrawals from your checking account at over 55,000 Allpoint® Network ATMs worldwide2, or get up to $20 in monthly ATM rebates when account qualifications are met, just in case a fee-free ATM isn't nearby.

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.

Current Rates


Minimum to Earn



Balances ≤ $25,000.00 $0.01 1.000% 1.000%
Balances ≥ $25,000.01 $25,000.01 0.100% 0.100%
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!

1 Free first order of standard checks for new accounts only.

2 Allpoint® ATMs are fee-free for cash withdrawals only. Other fees may apply. For more information, please refer to our fee schedule.

3 Offers of credit are subject to credit approval. Not all applicants may be approved.

* 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. To learn more, please refer to our account qualifications.

+ 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.