With fraud and identity theft on the rise, everyone is being impacted but your Nova CU Secure Checking can provide you with additional protection. Secure Checking includes the following benefits and services for a low monthly fee of $4.95.
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)
Up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance2
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)
Health Discount Savings (Registration/Activation Required) (This is not insurance)
Card Nav App — turn your debit card off and on for protection
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 $25 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
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.
CYA! 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.