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Nova Secure Advantage Checking Has Benefits!

Nova Secure Advantage Checking...More Than a Checking Account!
Be Safer. Be Smarter. It’s Simple!

Nova Secure Advantage Checking makes it simple to keep your family finances safer and take ADVANTAGE of smart discounts on financial services and everyday purchases for a low monthly fee. Your Secure Advantage Checking account comes packed with valuable benefits that help safeguard your finances and simplify your life. From identity theft protection and cell phone coverage to roadside assistance, Telehealth, eVets services, and exclusive savings opportunities, you're covered wherever life takes you!

Access your benefits anytime through Online Banking and Mobile Banking, or simply contact us at 800-865-0445 for assistance with registration and activation.

Take Advantage Of Tools To Protect Yourself From Fraud

With fraud and identity theft on the rise, everyone is being impacted! Your Nova Secure Advantage Checking provides you with additional protection every day.

IDProtect®1 helps you better protect yourself against identity theft, including:

  • Credit File Monitoring* — Daily credit file monitoring and automated alerts of key changes to your Experian credit report
  • Identity Monitoring* Monitoring of more than 1,000 databases to identify suspicious activity
  • Single Bureau Credit Report*2 — Ability to request a single bureau report with Experian data every six months or upon opening an identity theft resolution case.
  • Single Bureau Credit Score*2 — Ability to request a single bureau score with Experian every month.
  • Credit Score Tracker — Receive valuable insight into your credit score2,3
  • Up to $10,000 Identity Theft Expense Reimbursement4 — Helps to cover expenses associated with restoring your identity
  • Fully Managed Identity Theft Resolution Services — Access to a fraud specialist assigned to manage your case until your identity is restored. (You do not have to activate this service. It goes into effect as of the account opening date, and it is available to you in the event you suffer an identity theft incident.)
  • CyberRecover™ — 24/7 access to personal cyber advocates who provide support and guidance to help navigate and mitigate the impact of hacking and other cyber incidents.

Built-In Coverage for Life's Unexpected Moments

Your Secure Advantage Checking account includes valuable protection benefits designed to give you greater peace of mind wherever life takes you.

  • Cell Phone Protection4
    Stay connected with coverage for accidental damage or theft of your eligible cell phones, whether at home or traveling abroad. Receive up to $600 per claim for repair or replacement costs, with up to two claims per year and a maximum benefit of $1,200 per eligible account annually. Coverage extends to up to four phones listed on your cellular plan when your monthly cell phone bill is paid using your eligible checking, savings, or credit card account. A $50 deductible applies per claim.
  • 24/7 Roadside Assistance4
    Drive with confidence knowing help is just a phone call away. Enjoy roadside assistance services including towing, battery jump-starts, lockout assistance, flat tire service, and fuel, oil, fluid, or water delivery. Coverage provides up to $100 per service occurrence, with up to two service calls per twelve-month period.

Convenient Access to Care for You and Your Pets!

Expert Care. Greater Convenience. Added Savings.

Enjoy peace of mind knowing quality healthcare resources for both your family and your pets are included with your Secure Advantage Checking account.

  • 24/7 Telehealth Access5
    Connected with U.S.-based, board-certified, licensed healthcare providers anytime, day or night for physical and mental health services. Virtual visits are available by phone or video, all with no copays.
  • eVets Virtual Veterinary Services6
    Because pets are family too! Gain convenient access to licensed veterinarians through live chat, phone, or video consultations. Receive expert guidance for your pet's health concerns from the comfort of home, helping you make informed decisions about your pet's care.

All The Financial Feature Benefits

  • Free Mobile Deposits
  • Visa Debit Card for ATM access and purchases
  • Free Mobile and Online Banking
  • Free eStatements
  • Free Bill Pay
  • Access to over 30,000 Surcharge-Free ATM’s
  • Free Zip24 auto-response — call 24/7
  • Overdraft Protection Available

Reorder Checks

To reorder checks, contact your local branch.

Minimum Opening Balance Requirements for Secure Advantage Checking - $5 in person, $10 online. Must be a member of Nova with a $5 minimum balance in your basic Share Account (Savings Account).

Teen Checking

Nova CU has the best checking account for teens ages 13 – 17.

  • APP for eDeposit, account balances and transfers
  • $0 minimum balance
  • $0 monthly service fee
  • Earn money on monthly balances
  • Free ATM/Debit Card
  • 30,000 Surcharge-Free ATMs available
  • Locator APP for ATMs & Branches nationwide

When you turn 18, your Teen Checking account will automatically convert to a Secure Advantage Checking account with Cell Phone Insurance, Credit Score Alerts, ID Theft and Roadside Assistance. All this is available on Nova's App.

Priority Payday®

Free up your Fridays!

If you are a United States Postal Service Employee and have your paycheck direct deposited to your Nova Secure Advantage Checking account, then you get paid before Postal Payday on Fridays!

If you are a City of Concord employee and have your paycheck direct deposited to your Nova Secure Advantage Checking account, you will be paid before Friday Payday.

Needing More Assistance?

Give us a call so if you need help opening your checking account. You also have the option of opening a checking account through the mail or online (click on "secondary account").

Open your share account (savings) with a $5 minimum and then your Secure Advantage Checking account. There is a monthly fee for Secure Advantage Checking, but NOT for the additional benefit of Priority Payday®. You must be an USPS employee with direct deposit or a City of Concord employee with direct deposit to receive this benefit.

USPS Priority Payday® Secure Advantage Checking is only available to active USPS employees.1 City of Concord Priority Payday® Secure Advantage Checking is only available to active employees of the City of Concord.1

1Payroll Posting Times will vary and cannot be guaranteed. Priority Payday® is a free benefit to Nova CU members that are employed by designated entities and companies including USPS and City of Concord. To participate, you must be an active employee, a member in good-standing and have direct deposit set up through your employer to your Nova Secure Advantage Checking Account.

Cover Your Account

Even with the many tools available to manage your checking account, sometimes the unexpected happens. At Nova CU, we help you manage those moments and gain peace of mind with our Member Privilege Overdraft Program. If you have any questions regarding Member Privilege, please feel free to call us at 800-865-0445 or visit any branch to speak with an Account Manager.

* Registration/activation required

1 Benefits are available to personal checking account owner(s) and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration, and/or activation. Benefits are not available to a "signer" on the account who is not an account owner or to businesses, clubs, organizations, and/or churches and their members, or schools and their employees/students. For revocable grantor trusts, Benefits are available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, Benefits are available to the beneficiary, who must be the primary member (Fiduciary is not covered).

2 You will have access to your credit report and score provided your information has been verified by the CRA. Credit score is a VantageScore 3.0 based on Experian data. Third parties may use a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis.

3 Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.

4 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance document for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or insurance document. Guide to Benefit and insurance document can be found online through online or mobile banking or at NovaSecure.ClubChecking.com. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

5 Available for the primary account owner and their joint account owner(s). This is NOT insurance.

6 Medications may only be prescribed where allowed by law. In certain states, only virtual veterinary triage services may be provided without an established Veterinary-Client-Patient Relationship
(VCPR).

Additional Notes: Nova Credit Union charges a $6.95 monthly service fee for the Secure Advantage Checking account. The monthly service fee will be waived for the first two statement cycles at account opening to allow time to establish either the fee of $6.95 or the below Options 1 or 2. The monthly fee can be waived if one of the two requirements are met, Option 1 - A minimum direct deposit of $500.00/month and 15 debit card swipes per month and enrollment in eStatements OR Option 2 - A minimum checking account balance (at any time) of $1500.00. If the balance goes below $1,500 at any time during the month, a $6.95 monthly fee will be charged. If Option 1 and/or Option 2 requirements are not met, the $6.95 monthly fee will be charged. Transaction Processing Disclosure: Transaction Processing Disclosure: Debit card transactions conducted on the final day of a statement cycle may not post or be reflected until the following business day or statement cycle. This may reduce the number of eligible debit card transactions for the month and cause the $6.95 monthly fee. Eligible debit card purchase transactions will be counted based on the transaction posting date. In such cases, Nova CU may, at its discretion, review transaction activity to determine whether the monthly service fee requirements were met. Nova Credit Union reserves the right to modify account terms, fees, and eligibility requirements in accordance with applicable laws and account agreements.