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Free Checking, Free Gift!

We have a variety of checking accounts to meet your needs. These innovative checking accounts are designed to give you many great benefits, no matter where you are in life!  Click for Rates

Every new personal checking account includes:

FREE Debit Card                                 FREE Online Banking

FREE Bill Pay                                       FREE Mobile Banking

FREE eStatements***                           FREE Thank You Gift*

Buy Back of your unused checks and debit cards from another financial institution**

SHIELD CHECKING —An account with security and savings all in one place!

  • Competitive dividends
  • No minimum balance requirements
  • IDProtect®- identity theft monitoring and resolution service1, includes up to $10,000 identity theft expense reimbursement coverage2 – to cover expenses associated with restoring your identity
  • Cellular Telephone Protection2 (Cellular telephone bill must be paid through Shield Checking account.)
  • All for a low monthly account charge of just $5

Insurance product is not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate 

Simply Free Checking —A FREE account for everyone!

  • No minimum balance
  • No monthly service charge
  • No per check charge

Performance Checking—Earn Dividends with the convenience of direct deposit or any automatic payment!

  • Competitive dividends
  • No minimum balance
  • No monthly service charge

Advantage 50—A perfect account for members 50 and over!

  • FREE personalized checks
  • Competitive dividends
  • No minimum balance
  • No monthly charges

Elite Checking—An account for those interested in higher dividends!

  • FREE personalized checks
  • Higher dividend rate with a balance of $2,000 or more
  • Competitive dividends if balance falls below $2,000
  • Only $7.50 monthly charge if minimum balance falls below $2,000

Benefits To You:

  • FREE Debit Card—Enjoy everyday access to your funds at any ATM and the convenience of making purchases without writing a check
  • FREE Buzz Points—Earn points on every purchase make with your INOVA Debit or Credit card.
  • FREE Visa® Alerts—Receive alerts when your INOVA Debit or Credit card has been used to assist in early fraud detection.
  • Direct Deposit and Automatic Payments—Save yourself time with a convenient direct deposit or automatic payment. Take the hassle out of depositing paychecks or paying recurring bills. 
  • Over 35,000 FREE3 ATM locations nationwide. Choose any INOVA ATM, AllianceOne or CO-OP network ATMs across the nation.
  • VISA® debit card
  • Federally insured to at least $250,000 through the National Credit Union Share Insurance Fund (NCUSIF)
  • FREE E-Pay (electronic bill pay)—Don’t put up with lost mail and late payments when you can go online and simplify your life with the click of a button.
  • FREE Mobile Banking—Bank anywhere, anytime you want from your mobile phone. Ask us about “Click”, our deposit capture feature and Transaction Alerts for Mobile Banking. “Click” is INOVA’s Mobile Banking product that makes depositing checks to your account with you smartphone so much easier and faster.
  • FREE Online Banking featuring Check Imaging
  • FREE E-Statements
  • FREE Business Checking—Need a better account for your business or organization? Our Free Business Checking is the perfect account for most businesses
  • 24-hour access to your account through Online Banking, Mobile Banking and Tellerphone
  • Line of credit protection is available
  • Unlimited check writing with no per check fee

Other fees such as non-sufficient funds, overdraft, and sustained overdraft fees, etc. may apply. See fee schedule for details. Ask us about our outstanding options for your business or organization. Credit Union rules and regulations apply. Minimum opening deposits is only $10. Ask for details.

*We reserve the right to substitute a gift of similar value. Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening.

**Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented.

***Performance Checking and Elite checking accounts will incur a $2.50 paper statement fee each month if not enrolled in eStatements”



Call for the current 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 Dividend Period is the calendar month, the Dividend Frequency is monthly, and the Dividends are compounded monthly. Rates are subject to change.

1IDProtect service is a personal identity theft protection service available to account owner(s) and their joint account holders.  The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and employees/students.  For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s).  For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered). 

 2 Special Insurance Program Notes:  The descriptions herein are summaries only.  They do not include all terms, conditions and exclusions of the policies described.  Please refer to the actual policies for complete details of coverage and exclusions.  Insurance is offered through the company named on the certificate of insurance.

3To avoid paying a fee, choose any INOVA FCU ATM, Alliance One or CO-OP Network ATM across the nation. Foreign ATM transactions will be charged $2 per transaction.

  • “We saved almost ten thousand dollars between interest and monthly payments! We were very excited!”

    -Terry OK
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