Checking

Ovation Checking – Grows with You!

As your life changes, Ovation Checking adapts to meet your needs. This innovative checking account is designed to give you many great benefits, no matter where you are in life!  Click for Rates

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Benefits To You:

• Premium Dividend Rate*
• Over 35,000 FREE¹ ATM locations nationwide. Choose any INOVA, Alliance One or CO-OP network ATMs across the nation.
• VISA^® payWave for ultra-fast checkout when you use our VISA^® Check Card (debit card)
• Federally insured to at least $250,000 through the National Credit Union Share Insurance Fund (NCUSIF)
• FREE E-Pay (electronic bill pay)
• FREE Home Banking featuring Check Imaging
• FREE E-Statements
• FREE Money Orders
• FREE VISA^® Travel Cards
• FREE Cashiers Checks
• Special Pricing for your loan and savings needs
• 24-hour access to your account through Teller-phone and Home Banking (Mobile banking is coming soon!)
• Overdraft Protection is available
• Unlimited check writing with no per check fee

Premium Dividend Rate:

Members who maintain a daily balance of $1,500 and who reach the following required triggers will attain the special Premium Dividend Rate. This rate will be paid on balances of up to $20,000. The required triggers to attain this Premium Dividend Rate are:

• 15 signature-based³ debit card purchase transactions per month.
• Direct Deposit $200 or more per month into checking
• E-statements
• Minimum daily balance of $1,500

The Premium Dividend Rate will be paid on balances up to $20,000.00.

Want More Than A Great Rate?:

For members who have the “Standing Ovation Package”:

• Direct Deposit of $200 or more per month into checking
• Active Bill Pay²
• E-Statement

You will also get:

• .25% added to you INOVA Certificate Rate⁴

^*Call for the current Premium Dividend Rate. This rate is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period (The Government makes us state this). The Dividend Period is the calendar month, the Dividend Frequency is monthly, and the Dividends are compounded daily. Rates subject to change. Members who maintain a minimum daily balance of $1,500 and who reach the requirements will attain the Premium Dividend Rate.  This rate will be paid on balances of up to $20,000. Balances over $20,000 will earn the standard checking account dividend rate.

¹To avoid getting stuck with a fee, choose any INOVA FCU, Alliance One or CO-OP network ATM across the nation, (after all it’s your money, keep it!). Foreign ATM and/or PIN-base transactions at a merchant (POS) will be charged $1.75 per transaction. Always ask the merchant to run your VISA^® check card transactions as credit transactions.

² Active Bill Pay, Epay is defined as one bill payment every 45 days.
³ A signature-based transaction is defined as swipe & sign and contactless.
⁴ Discount may not be in conjunction with any other credit union promotion, offer or discount. Discount does not apply to Mortgage Products, Business Loans, Shared Secured and Revolving Loans.