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Nova Secure Checking

With fraud and identity theft on the rise, everyone is being impacted! Your Nova Secure Checking provides you with additional protection and benefits1 including Cell Phone Insurance! Nova Secure Checking includes the following benefits and services for only $5.95 a month.

  • Cell Phone Protection Insurance2
  • ID Theft Protection with IDProtect®1 includes:
    • Credit & Identity Monitoring with alerts
    • Access to 3-in-1 Credit Report & single bureau Credit Score (every 90 days or upon receipt of a credit alert)
    • Identity fraud resolution services and more (Registration/Activation Required)
  • Credit & Identity Monitoring with alerts
  • Access to 3-in-1 Credit Report ability to request a single bureau report every six months or upon opening an identity theft resolution case. (registration/activation required)
  • Credit Score3 ability to request a single bureau score every month. (registration/activation required)
  • Roadside Assistance Service — 24-hour coverage for roadside assistance services including vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance up to $100 per occurrence. Maximum of two occurrences per twelve month period.
  • Debit Advantage Buyer's Protection & Extended Warranty2
    • Item(s) must be purchased entirely with this account for coverage.
  • $hopping Rewards (Registration/Activation Required)
  • No Minimum Balance
  • No Per Check Fee
  • Free eBranch access with PC or cellphone
  • Mobile Deposits with eBranch on your cellphone!
  • 30,000 Surcharge-Free ATMs
  • Visa Debit Card for purchases & ATM access
  • Free Zip24 auto-response — call 24/7
  • Overdraft Protection Available
  • Travel & Leisure Discounts — Money saving discounts from thousands of local & national businesses — redeem & print coupons online or access discounts from your smartphone. (Registration/Activation Required)

All of these benefits listed above are yours with Secure Checking! Some benefits require a no-fee registration and must be requested or activated.

Registration and activation is easy

  1. If you have misplaced your activation code call us! You will need your activation code to register.
  2. Download the free APP by searching for "Club Checking" on your smart phone. It's easy to register & access all your new benefits on your smart phone!
  3. Or follow the simple step-by-step instructions to register and activate benefits by going to

For information on benefits or activation call the Benefits Service Center at 866-210-0361.

Reorder Checks

To reorder checks, contact your local branch.

Minimum Opening Balance Requirements for Secure Checking - $5 in person, $50 online. Must be a member of Nova with a $5 minimum balance in your basic Share Account.

1 Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions for the applicable Benefits. Benefits are available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members but are not available to employees or authorized signers who are not owners. Benefits are not available to a "signer" on the account who is not an account owner or to clubs, organizations and/or churches and their members, 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) and their eligible family members. For all other fiduciary accounts, Benefits are available to the beneficiary, who must be the primary member, and his or her eligible family members (Fiduciary is not covered).

2 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 insurance documents and/or Guide to Benefit for complete details of coverage and exclusions. Coverage is provided through the company named on the insurance document or Guide to Benefit. Guide to Benefits can be found online through online or mobile banking or at 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.

3 You will have access to your credit report and score provided your information has been verified by the CRA. Credit score is VantageScore 3.0 based on Experian data. Third parties may use a different type of credit score to assess your creditworthiness.

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 Checking account with Cell Phone Insurance, Credit Score Alerts and ID Theft Protection. Plus — shopping and discounts all available on the Nova CU Secured Checking App.

Priority Payday® Checking

Free up your Fridays!

If you are a United States Postal Service Employee and have your paycheck direct deposited to your Nova CU 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 CU checking account, you will be paid before Friday Payday.

Already a member?

Give us a call so we can assist you with opening your checking account. You can also open a Priority Payday® Checking account through the mail or online (click on "secondary account").

Not yet a member?

Open an account online, come by, or contact us to open your share account with a $5 minimum and then your Secure Checking account. There is a monthly fee for Secure 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. You may also join via mail. Some restrictions may apply.

USPS Priority Payday® checking is only available to active USPS employees.1 City of Concord Priority Payday® 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. There is a monthly fee for Secure Checking which has no bearing on Priority Payday® access. 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 CU Secure Checking.

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.

Our program is a service designed to allow you to temporarily cover your transactions, even with non-sufficient funds. Member Privilege is not fee-free, but it can save you the embarrassment, stress and hassle of having your check card declined or having a check returned.

If you want this coverage on your account, you must mail the Opt In Form to:

Member Services & Lending
Nova Credit Union
3601 Mulberry Church Road
Charlotte NC 28208

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.

Did you try Member Privilege and didn't like it? Not a problem. Just call us at 800-865-0445.

Cover your account! And yet Member Privilege is NOT for everyone!

Member Privilege should NOT be used as SOP (Standard Operating Procedure). Member Privilege is for emergency coverage only. If we feel that you are not managing Member Privilege in your best interests, we will contact you about counseling, budgeting and offer you different options to manage your account. Mismanagement or abuse of Member Privilege will lead to denial of Member Privilege coverage for your account.

VID — Very Important Disclosure
Your Member Privilege ODP limit may be available to approve overdrafts for checks, automatic bill payments, recurring debit card payments and other transactions made using your checking account number. At your request, we may authorize and pay ATM and everyday debit card transactions using your limit. If an overdraft is approved, you may be assessed our Member Privilege Fee (Mbr Priv Fee) of $29 for each item. All negative balances must be brought positive within 30 calendar days. Nova CU reserves the right not to pay if the account is not kept in good standing. Please contact an account manager for more details.