Checking Accounts

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Checking Accounts

Our Totally Free Checking has so many bells and whistles you can practically play a tune on it.
It doesn't matter what features you're looking for in a checking account. We dare say you'll find them all in a Totally Free Novation checking account.
No minimum balance required
No monthly fees
Unlimited check writing
Free check safekeeping
Ability to print cleared checks online
FREE unlimited ATM withdrawals at thousands of ATMs nationwide
24-hour Telephone Teller
FREE Online Banking
FREE Online BillPay
Overdraft protection
Payroll deduction

Incentive Checking
In addition to all the benefits of our basic checking you'll earn 4% APY* on your checking account balance**. This remarkable rate only requires you take advantage of these four FREE services each month:

EStatement - not only an environmentally friendly alternative, it's the most secure way to receive your statement - you'll love the convenience.
Online banking - manage your account 24/7 via any computer with internet access.
Direct deposit - enjoy fast access to your funds without taking a trip to the credit union. Set up direct deposit of at least $50.
Debit card - use your debit card for 12 purchases monthly.

Any ATM fees assessed by Novation will be refunded (doesn't apply to surcharges other than Novation).

*APY = Annual Percentage Yield. Rates subject to change without notice. Dividends paid on balances up to $25,000.

**Must meet certain checking and credit criteria.

Switch Kit
Moving your existing checking account over to Novation couldn't be easier. We even give you a handy kit to help you with the switch. You get everything you need to notify your employer, your creditors and your current bank. Plus you get a form that will help you keep track of everything you are moving. Contact us today to receive your Movers & Checkers Kit.
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Free ATM Withdrawals
Withdrawals are always free at Novation ATMs and at thousands of ATMs nationwide.
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Free Online Banking
Check on account balances, transfer funds, and more for free.
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Free BillPay
Save time and postage paying your bills. You're in control when you use our free online service to make one-time payments or regular payments.
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24-hour Telephone Teller
Check on account balances, transfer funds and more, by phone, 24 hours a day, 7 days a week.
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Direct Deposit
Safely and conveniently deposit your paychecks into your checking account without making a special trip to the credit union. Whether you're home or away.
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Overdraft Protection
Avoid non-sufficient funds fees by linking your checking account to a savings account or line-of-credit (available to qualified borrowers).
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Ready to enjoy the advantages of our checking accounts? Complete a checking account application today.