Checking Accounts

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.

1.50% APY*

Earn interest on balances up to $25,000

No minimum balance

No monthly fees

Read Disclosures

Youth Checking

Learn money management while earning interest.

1.50% APY*

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.