Your money.
Always within reach
A no-fee Checking Account built for your everyday spending — secure, flexible, and convenient.
A Checking Account is built for your everyday expenses. Use it for rent, loan payments, groceries, and daily purchases.
Unlike savings accounts, checking accounts offer easy access to your money whenever you need it.
Your Nova UA checking account
Faster Payments & Transfers
Send money to friends, pay bills, or move funds instantly with tools like Zelle®, ACH, or wire transfers — all from your checking account.
24/7 Account Access
Whether it’s midnight or midday, you can check your balance, view transactions, or make payments through mobile or online banking.
No Need to Carry Cash
Use your debit card for everyday purchases — safer than cash, and easy to manage through your account dashboard.
Direct Deposit
Get your paycheck or benefits deposited automatically — no waiting, no paper checks.
Bill Payment Tools
Use your checking account to set up automatic or manual bill payments — keeping your finances organized and on time.
$250K Protected
Your funds are secured with NCUA insurance.
Getting started with checking
Everything you need to manage your money with ease, plus the flexibility to access it anytime, anywhere.
If you live, work, attend school, or worship in our service area—you’re eligible.
Competitive rates, fewer fees than most banks, and member-first support designed to help you reach your financial goals.
Apply online in minutes or visit a branch near you.
More Value, Fewer Fees
Open an AccountFEATURES
Note: All accounts are federally insured by the NCUA. Features and rates are subject to change; visit our website for the most current information.
Compare current rates before you decide
Check the latest savings and certificate rates to see what works best for you.
Bank with people who know you — and put your needs first.
Member-Focused Service
As a not-for-profit credit union, Nova UA FCU puts members first — offering personalized service and financial solutions that prioritize your needs.
Competitive Rates & Low Fees
Enjoy better rates on loans and savings accounts, with fewer fees than traditional banks — helping you keep more of your money.
Easy Membership With Savings Account
Becoming a member is simple: just open a savings account and start enjoying all the benefits of credit union membership.
Convenient Digital Banking
Manage your accounts anytime, anywhere with our secure online and mobile banking tools — making banking easier than ever.
Safe & Federally Insured
Your deposits are protected by the NCUA, giving you peace of mind with up to $250,000 in federal insurance coverage.
Opening an account is easy. Your money is safe.
Federally insured up to $250,000 with fraud monitoring and secure mobile access.
Since 1960
People Helping People
Click “Become a Member” to check if you’re eligible to open an account.
A valid photo ID, Social Security Number and a U.S. address are required to apply.
Apply online in minutes or visit one of our branches.
What is a checking account?
A checking account is a type of bank account that allows you to deposit money, make withdrawals, write checks, and use a debit card for everyday transactions. It’s designed for frequent access to your funds rather than long-term savings.
What do I need to open a checking account?
To open a checking account, you must first become a member and open a savings account with an initial deposit of $50. Once your membership and savings account are established, you can open a checking account with an initial deposit of $100.You’ll also need:
- A valid photo ID (driver’s license, state ID, or passport)
- Your Social Security number or Tax ID
- Proof of address
Is there a maintenance fee associated with a checking account?
No, there is no monthly maintenance fee associated with our checking accounts. You can enjoy convenient access to your money without worrying about hidden charges.
What’s the difference between a checking and savings account?
A checking account is meant for everyday spending — such as paying bills, making purchases, or withdrawing cash.A savings account is designed for saving money over time and typically earns interest, but may have limits on the number of withdrawals you can make per month.
How can I access and manage my checking account?
You can manage your checking account easily through:
- Online and mobile banking
- ATMs
- Debit card transactions
- Writing checks
- Visiting any of our branch locations
You can also take advantage of features like bill pay, mobile check deposit, and account alerts to stay on top of your finances anytime, anywhere.
Is there a mobile app?
Yes! Download our Nova UA FCU Mobile App from the Apple App Store or Google Play Store. Once installed, log in with your online banking credentials to securely manage your accounts on the go.
Got questions?
We’re here to help.
Whether you're opening your first account or exploring your credit options — our team is just a message away.
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