Frequently Asked Questions

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Our routing number, also known as an ABA number, is 221480807.

If you have checks for your account, our routing number can be found on the bottom left-hand corner of your checks; the routing number will be the first group of numbers.

There are several options available to you for making your monthly loan payments.

Pay Online

  • You can make a one-time payment or schedule recurring payments with Jovia’s Online and Mobile Banking. When logging in, look for "Payments & Transfers" to get started. You can pay directly from your Jovia checking or savings account or an external bank account. Not enrolled in online banking? Click here to begin or download the Jovia mobile banking app today.
  • What if I need a payment posted on the same day?
    You can use Guest Pay, our “pay as a guest” one-time payment service, to make a real-time payment from an external bank account or debit card. You will need the account number and date of birth the borrower. Visit jovia.financial/guestpay.
    Reminder: Payments via a Jovia checking or savings account can be processed via online and mobile banking.
  • Can Jovia help me set up automatic payments?
    Yes, we can! Complete the Automatic Deposit Payment Authorization Form to sign up for recurring payments. When you enroll in Automatic Payments, recurring payments will be debited from your Jovia or external checking or savings account and applied toward your loan payment with Jovia.

Pay by Phone

  • Make a one-time payment with our Automated Telephone Service. Simply dial 908-822-8558 to make your payment from a non-Jovia account, 24 hours a day.
    Reminder: Payments via a Jovia checking or savings account can be processed via online and mobile banking.

Pay by Mail

  • Got an extra stamp? You can mail your payment to:
    Jovia Financial Credit Union
    PO BOX 9003
    Westbury, NY 11590
    Be sure to write your account number on the check!

Pay in Person

Accessing your statement online is easy:
  • Sign in to Online Banking
  • Select Online Statements and Tax Docs from the menu
  • You will be presented with a brief disclosure. Once you accept the terms and conditions, you will have access to your current and previous months statements. Up to 24 months of account statements will be available to you.
You will be notified each month when your statement is available. You can also opt to print your statement if you need a paper copy.

Access Paperless Statements


Not enrolled in Online Banking? Get started and sign up today.

The process for reporting fraud is dependent on the type of transaction within your account. Please refer to the following to determine which report is required for you to complete.

Credit Cards: If you are reporting fraudulent transactions involving your credit card, please call us at (800) 252-1164.

Debit Cards: If you are reporting fraudulent transactions involving your debit card, please complete the Visa® Fraud Form.

Check Fraud: If you are reporting a transaction involving a fraudulent check, please complete the Fraudulent Check Form.

ACH (Electronic Payment) Fraud: If you are reporting a transaction that was taken from your account electronically, please use the Unauthorized Withdrawal Form.

Zelle Fraud: If you are reporting fraudulent transactions involving Zelle, please contact us immediately at (516) 561-0030.

Bill Pay Fraud: If you are reporting a transaction that was taken from your account through Jovia Bill Pay, please contact us immediately at (516) 561-0030.

We take our member's security very seriously. If you feel there was an unauthorized transaction on your account, we are committed to investigating your claim.

Debit or Credit Card (DBT/POS) transaction

Many times disputes can be resolved quickly by contacting the merchant directly. If you are unable to resolve the dispute with the merchant, you can file your dispute with us.

  • Debit Cards: Please complete the Visa® Charge Dispute Form and submit it electronically. Any additional information such as receipts that may assist in resolving the dispute, should be indicated on the form. Disputes can take up to 60 days to resolve.
  • Credit Cards: Please call us at (800) 252-1164 to dispute a credit card transaction.
Unauthorized Withdrawal (ACH/non-debit or credit)

If you are on an account with another individual, consult with them first to verify that he/she did not authorize the withdrawal. If the withdrawal was not authorized by any of the account owners, please complete an Unauthorized Withdrawal Form.

If the fraudulent transaction involved a check, a police report is required along with a Fraudulent Check Form. Documents should be forwarded to the Sharedraft Administrator in Deposit Operations for further processing.

Documents must be received with 60 days of the item being presented to the account to receive provisional credit.

If your Visa® Debit Card was stolen, or you just misplaced it and need a new one, you can:

  • Visit a Branch to cancel the lost or stolen card and have a new debit card issued to you instantly.
  • Call us at (516) 561-0030 to cancel the lost or stolen card. Once your card has been reported as lost or stolen and canceled, a new card will be mailed to you within 4-5 days. If you are reporting a card as lost or stolen after regular business hours, please call (800) 252-1164. If you are traveling internationally and are reporting a card as lost or stolen after regular business hours, you can call us at (531) 233-6215.

In the event of fraud, we also ask that you complete our Visa® Fraud Form.

If your Visa® Credit Card was stolen, or you just misplaced it and need a new one, you will need to call us at (800) 252-1164 to report the card lost or stolen. Once your card has been reported as lost or stolen, a new card will be mailed to you within 7-10 days.

You can reset your username and password by following some simple on-screen prompts. If you need any help through the process, please call us for assistance.

Recover Username and/or Password

If this is your first time using this service, you will need to first sign up for Online & Mobile Banking access. You will receive further information via email once your enrollment has been processed. If you are already enrolled in Online & Mobile Banking, you can sign in to access your accounts either using our website, or mobile app.

Sign in to Online Banking

You can submit any issues, concerns, or suggestions regarding the credit union to our management team by clicking the link below.

Report an issue to Management

Get Support

Contact Us

A representative from our member care team is just a call, chat, or short drive away at a branch location near you. The fastest way to reach us is through our Virtual Branch. Click the "Lets Talk" button to chat now. If none of the below options fit your need, you can always send us an email.

  • Visit Jovia's Virtual Branch for the Quickest Service

    At our Virtual Branch, you'll get the same friendly service you love right from your computer, phone, or tablet - in a snap.

    Connect
  • Speak with a Representative

    Want to speak with a member representative over the phone? You can call us anytime.

    Call (516) 561-0030
  • Visit a Branch

    Prefer to meet with a member care representative? Schedule an appointment at a branch near you.

    Schedule an Appointment
  • Make a Loan Payment

    Interested in paying down your loan or credit card with an external account? Schedule a payment

    Call (908) 822-8558
  • Report Fraud

    Does something look fishy with your account? Report it as suspicious activity today and we'll investigate on your behalf.

    Report Fraud
  • Dispute a Charge

    Unable to resolve an issue with a merchant or vendor? Dispute the charge and we'll investigate on your behalf.

    Dispute a Charge

Here at Jovia, we’re always looking for ways to improve our member’s experience, and that starts with you! If you have an immediate issue that needs to be escalated or feedback about your experience with Jovia to share, contact our management team.

Email our Management Team about a Concern or Compliment

If you have a suggestion for how we can improve our credit union, click here to contact our Chairman of The Board, George Plevretes. Please note, response times may vary.

Issues with your account? There's a form for that.

Here you’ll find the forms you need to manage your banking or request service on your accounts. Simply click on the links below to download the form you are looking for. Some eligible forms can be electronically submitted, however, be sure to follow the instructions within the individual form for submission guidelines.

Here you’ll find the forms you need to manage your banking or request service on your accounts. Simply click on the links below to download the form you are looking for. Some eligible forms can be electronically submitted, however, be sure to follow the instructions within the individual form for submission guidelines.