Novation Checking accounts
Free, easy, and secure money management
Our Checking Accounts are designed to make it easy to deposit, spend, and track your money.
All accounts include a free Visa® Contactless Debit Card with Purchase Rewards®, and access to 35,000+ surcharge-free ATMs nationwide.
Our secure online and mobile banking platforms make it easy to manage your account from anywhere.
Accounts are Federally insured by the National Credit Union Association (NCUA) up to $250,000 (total for all accounts).
No monthly fees or minimum balances
Bank from anywhere with free online banking
Free Visa® Contactless Debit Card with Purchase Rewards®
Manage your debit card with the NovationCards app
Access to 35,000+ surcharge-free ATMs
Overview
Compare Checking Accounts
Incentive Checking
Earn interest on your fee-free spending account.
Earn interest on balances up to $25,000
No minimum balance
No monthly fees
Read Disclosures
Youth Checking
Learn money management while earning interest.
Earn interest on balances up to $5,000
No minimum balance
No monthly fees
Read Disclosures
Classic Checking
Everything you need for free and easy-to-use checking.
Earn interest
No minimum balance
No monthly fees
Quick links
Manage or Open a Checking Account
Open an Account
Apply for a Novation
Checking Account online, 24/7
Log in to eBranch
Access your Checking Account by logging into the eBranch
Reorder Checks
Easily order new checks through our partner, OrderMyChecks.com®
About purchase rewards
Turn debit card purchases into real cash!
Within our eBranch Online and Mobile Banking apps, offers display based on your shopping habits. Click the ones you want to add to your account, use your Novation debit card, and receive cash back at the end of the month.
parental control
Set your child up for financial success with a Youth Checking Account
A parent or legal guardian is required to be joint on a Youth Checking Account. You can monitor your child’s account through eBranch Online or Mobile Banking, and set daily dollar limits via the NovationCards app.
*APY = Annual Percentage Yield. Rates effective May 31, 2023 and subject to change without notice.
Incentive Checking Details
To receive dividends you must meet the following requirements per month: (1) one payroll direct deposit, (2) must be enrolled in eStatements with valid email address and (3) 12 Novation debit OR credit card purchase transactions that must average at least $5, excluding cash advances, ATM transactions, returned purchases, disputed or unauthorized/fraudulent transactions, or fees caused by card use. Debit and credit card transactions CANNOT be combined to meet the 12 transactions minimum. Accounts that meet the requirements will receive dividends on balances up to $25,000. No dividends earned if requirements are not met or for balances in excess of $25,000. Rates and program subject to change. Read full disclosures.
Youth Checking Details
To receive dividends you must meet the following requirements per month must be enrolled in: (1) eStatements with valid email address and (2) online banking. Accounts that meet the requirements will receive dividends on balances up to $5,000. No dividends earned if requirements are not met or for balances in excess of $5,000. Rates and program subject to change. Read full disclosure.