The perfect checking account for you is Always Within Reach.

Other fees such as non-sufficient funds, overdraft, etc. may apply. See fee schedule for details. Credit Union rules and regulations apply. Minimum opening deposit is only $10. Ask us for details. 1There’s no fee from INOVA FCU to access our INOVA Mobile Banking App, INOVA mobile website or INOVA VISA® Alerts powered by VISA®. Check with your mobile service provider as some charges for your data, text messages, internet access or using your web provider may apply. 2Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. Free Thank You Gift can be redeemed only by opening an eligible checking account in an INOVA branch location. Free Thank You Gifts will not be mailed to new or existing members. 3Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented. 4IDProtect 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). 5Special 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. Refer to Insurance Documents for complete details of coverage. Receive up to $10,000 to help pay expenses, clear your name and help recover your identity should you become the victim of identity theft. Registration/activation required for $hopping Rewards™. Available online only. 6The Annual Percentage Yield (APY) 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 subject to change. A Premium dividend rate can be earned on balances up to $15,000 for accounts that meet the following criteria: Maintain an average daily balance greater than $3,500 and make 8 debit card transactions each statement period. 7Debit Cardholders must make a minimum of $250 in eligible debit card purchases in a calendar month to earn points. Once the monthly purchase minimum is met, debit cardholders will earn 1 point for every $3 spent on the entire amount of the eligible debit card purchases for goods and services paid for with an INOVA VISA® Debit card, up to a maximum of $10,000 in eligible purchases per calendar month. Eligible purchases are defined as PIN and signature based transactions. ATM withdrawals are not eligible purchases. Minimum redemption is $25 and Debit points not redeemed will expire after 2 years. Rewards program subject to change at any time. Contact INOVA for additional details. Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union affiliate.

INOVA Federal Credit Union © Copyright 2021. All rights reserved.

INOVA Federal Credit Union

Elkhart - Corporate
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358 S Elkhart Ave
Elkhart, IN 46516

Elkhart - CR 6
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619 CR 6 East
Elkhart, IN 46514

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121 E Grove St
Mishawaka, IN 46545

Michigan City
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1025 S Carroll Ave
Michigan City, IN 46360

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Whether you're looking for the basics or want a longer list of perks, we have a checking solution that's right for you.


A free and convenient account for everyone.

No minimum balance

No monthly service charge

No per check charge

Simply Free Checking

Simply Free Checking

An account with security and savings all in one place.

Competitive dividends

No minimum balance requirement

Earn 3.00% APY6

IDProtect® – identity theft monitoring and resolution service4 to cover expenses associated with restoring your identity

Cellular Telephone Protection5

Low monthly account charge of $5

Shield Checking

Shield Checking

FREE VISA® Debit Card Rewards7

FREE Online Banking

FREE Bill Pay

FREE Mobile Banking including Mobile Deposit1

FREE eStatements

FREE thank you gift2

Buy back of your unused checks and debit cards from another financial institution3

Every account includes:

INOVA Federal Credit Union

Always Within Reach.

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Open your checking account online or visit your nearest branch.

Elkhart - CR 17
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661 CR 17
Elkhart, IN 46516

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605 E University Dr
Granger, IN 46530

OPEN MY ACCOUNT800-826-5465800-826-5465

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