Jovia Financial Credit Union: $150 Checking Bonus (Open Membership Nationwide)

Jovia Financial Credit Union is offering a $150 bonus when you open a new checking account and set up a minimum recurring direct deposit of $100 to the checking account within 60 days of account opening.

In addition, I’ve discovered that a direct deposit may not actually be required to qualify for the $150 bonus, as my $150 direct deposit bonus was actually triggered by my initial $100 ACH transfer to my new Jovia checking account (see more details below).

With open membership now available nationwide, anybody in the U.S.A. can join Jovia Financial Credit Union with a 1-time $5 payment to the Cross-State Credit Union Foundation that Jovia will make on your behalf when you join (so it’s free to join).

Check out these Jovia Financial Promotions to learn how to earn cash bonuses when you join Jovia from anywhere in the U.S.A. and open participating new accounts.

Jovia Financial Offers Open Membership Anywhere in the U.S.A.

Through their partnership with the Cross-State Credit Union Foundation, Jovia Financial now offers open membership to anyone in the U.S.A.

You are Eligible for Jovia Membership when you enroll via their partnership with Cross-State Foundation, if you live, work or attend school on Long Island, NY, or if you are sponsored by a family member who is already a Jovia member.

There is a 1-time $5 membership fee to join the Cross-State Foundation, but Jovia will Cover the $5 Fee on Your Behalf, and the whole process is taken care of for you during your online membership application.

Once you get to the membership eligibility section of the online application, you simply follow the steps until you get to the Cross-State Foundation option, and then confirm that you want to join.

In order to join Jovia Financial Credit Union, you will need to open a Share Savings Account, but Jovia will make the $5 minimum opening deposit into your share account for you, so it’s free to open your Share Savings Account with no deposit required. However, you will need to maintain your $5 minimum balance in your Share Savings Account for as long as you remain a member.

Jovia Financial $150 Checking Account Bonus with Direct Deposit

1. When you open a new, first-time Go Green or CareFree Checking account with a recurring minimum direct deposit of $100 or more within 60 days of account opening, you will receive a $150 cash bonus (direct deposit may not be required, see #6 in this section below).

2. To qualify for the $150 direct deposit bonus, you’ll need to receive a recurring minimum direct deposit of $100 in the checking account within 60 days of account opening.

3. The $150 direct deposit bonus will automatically post to your checking account 30 days after the requirements are met.

4. It’s important to note that the $150 direct deposit bonus was triggered for me personally by my initial $100 deposit via ACH transfer from Chase Bank, so I did not have to set up a true direct deposit in order to qualify for the $150 bonus. So you may be able to qualify for the $150 direct deposit bonus by simply making a $100 ACH transfer to your new Jovia checking account (see #8 under the “Special Tips” section below for the full details).

Jovia Financial $250 Cash Bonus for Mortgages

1. When you apply for a mortgage loan from Jovia by December 31, 2024, you will receive a $250 cash bonus.

2. This offer is available for new and existing Jovia members for new mortgage loans, as refinances are not eligible.

3. Loans must close by March 31, 2025, to be eligible, and you will receive the $250 cash bonus to your checking or share account 14 days after closing.

Jovia Financial $25 Youth Accounts Bonus

With Youth Accounts from Jovia Financial, you can get a $25 cash bonus when you also sign up for Curio with $100 or more in your Dollar Dog or Teen Elements account.

Curio in combination with the Youth Accounts provides a rewards system that teaches money management skills.

New members must have $100 in your account at the time of enrollment in Curio, or existing members must have an aggregate deposit of $100 for 30 days leading up to Curio enrollment.

The $25 cash reward will automatically be credited to the youth savings account within 15 days of qualifying enrollment in Curio.

Jovia Financial Free Checking Account Options

With the Jovia Checking Accounts, there are no monthly maintenance fees and no minimum balance requirements.

The CareFree Checking account is the most basic option with no minimum balance fees, no monthly maintenance fees, and no overdraft fees.

With Go Green Checking, you can earn a 3% APY on balances up to $25,000 each month when you spend $250 on everyday purchases using your debit card, sign up to receive paperless statements, and either deposit $100 with direct or mobile deposit OR pay at least 1 bill using Bill Pay each month.

Special Tips for Jovia Financial Credit Union

1. You can enter a referral code during account opening for a checking account or share savings account. After you select your account type and enter your first and last name, the next page will give you the option to enter a referral code.

2. When applying for Jovia as a new member, you should open your checking account as your first account, because when you open a checking account first, your share savings account will automatically be opened on your behalf at the same time. This allows you to open both a checking account and share savings account with one application process. If you open your share savings account first, you will then have to apply for your checking account after your share savings account is open, which results in two application processes instead.

3. When you enter your home address during the application process, you should allow the auto-complete feature to enter your entire address for you, or you may get an error when you enter your address manually. Keep entering your full address into the street name entry field until your entire address pops-up, and then select your full address to be auto-filled for you. For some reason, when you enter your address, city, state and ZIP code separately, it often results in an error indicating that they don’t accept PO Box addresses (this is some type of technical error).

4. To qualify for Jovia membership via the Cross-State Credit Union Foundation, go through the entire new member application until you reach the membership eligibility questions, and then answer the eligibility questions until you reach the option to join Jovia through their partnership with the Cross-State Foundation. Jovia will even pay your 1-time $5 fee to Cross-State when you join.

5. Question #1 to Jovia Customer Service: Now that membership is available through a 1-time donation to the charity, I was wondering if anybody in the U.S.A. can join Jovia, or if there are still state restrictions? Answer: No more restrictions, anyone and everyone can now become a member.

6. Question #2 to Jovia Customer Service: If I join through another customer’s referral to get the $50 bonus, can I still get the $150 bonus when I set up a direct deposit to my checking account? Can I get both offers or just limited to one offer? Answer: You must first open a savings account with $5 deposit. You can do so online at www.Jovia.org, hover over, Spend & Save, you should get a pull down menu, click on Share Savings. You can also open the Go Green at this location. If you have a referral number, when you open the Go Green account with $100 deposit, you and the referral would receive $50. Yes you would be eligible for the bonus, if you set up a $100 direct deposit and sign up for paperless.

7. I personally joined Jovia Financial from outside of New York and was able to complete the online application without a problem. However, they did require an extra step in that I had to submit my Driver’s License via an email form that they sent me. I submitted my Driver’s License, and my account was fully approved by the next day. I originally opened my share savings account first, which meant that I had to open my checking account through a second application process once my share savings account was open. This was a mistake, as you should open your checking account first, and then your share savings account will automatically be opened on your behalf within the same application process. However, my checking account was opened and approved within the same day, so it didn’t result in too much of an issue.

8. For me personally, the $150 direct deposit bonus was triggered by me making my initial $100 deposit, which I did to qualify for the $50 referral bonus. I made my initial $100 ACH transfer from an outside bank (Chase Bank) into my Jovia checking account after my membership was approved, and then 30 days later, the $150 direct deposit bonus posted to my account, so I never had to receive a true direct deposit. That means you may also be able to qualify for the $150 direct deposit bonus by simply making a $100 ACH transfer into your new checking account, but your experience may vary. This would also mean that you could qualify for both the $50 referral bonus and the $150 direct deposit bonus by making a $100 ACH transfer into your Jovia checking account and maintaining the $100 balance for 90 days.

EXPIRED – Jovia Financial $50 Referral Bonus for New Members

The Jovia Financial Referral Program is currently expired, so you cannot stack it along with the new checking account bonus as you could in the past.

1. To earn the $50 referral bonus as a new Jovia member, you must enter a current member’s referral code during account opening, open a new Go Green, CareFree or Green Light Checking account with a minimum initial deposit of $100 within 2 weeks of account opening, and maintain the $100 minimum balance for 90 days.

2. You can enter the Referral Code “325760” during the Jovia Financial Online Application when you open your checking account or share savings account, as the option to enter a referral code appears on the next step of the application after you select an account and enter your first and last name. Please note that if you choose to open your checking account first as a new member, the share savings account will automatically be opened on your behalf, so that is the best option, as then you can open both accounts with one application, instead of first opening the share savings account and then the checking account.

3. Please feel free to use Referral Code “325760” to qualify for the $50 bonus as a new Jovia member. After you select an account type and enter your first and last name, you will be able to enter the referral code on the next step.

4. After you open the Go Green, CareFree or Green Light Checking account, you must deposit at least $100 within 2 weeks of opening and maintain the $100 balance for at least 90 days.

5. Please note that while the Green Light Checking account is an option for the referral bonus, only the Go Green and CareFree Checking accounts are available options for the $150 direct deposit bonus, so don’t open a Green Light Checking account if you plan on stacking both the $50 referral bonus and $150 direct deposit bonus together.

6. Once the requirements are met, the $50 referral bonus will automatically post to your checking or share account (please note that your $100 initial deposit may also trigger the $150 direct deposit bonus – see below for details).

EXPIRED – Jovia Financial Give $50, Get $50 Referral Program

When you refer your friends to Jovia Financial Credit Union, you can both earn a $50 cash bonus.

In order to qualify, the new member must enter the current member’s referral code during the application process when opening a share savings or checking account.

New members should open a checking account first, as the share savings account will then be automatically opened on your behalf, which means you only have to complete one application process instead of two.

The referral code must be entered during account opening on the next step after the account selection is made and the first and last name of the new applicant is submitted.

When the new member opens a Go Green, CareFree or Green Light Checking account with a minimum initial deposit of $100 within 2 weeks of account opening, and maintain the $100 balance for at least 90 days, both members will receive a $50 cash bonus.

The $50 cash bonus will post automatically to both members’ checking or share accounts when the requirements are met.

Please feel free to share your account opening and membership experiences with Jovia Financial Credit Union along with your referral codes in the comments below this article, so that everybody can take advantage of these promotional bonuses.