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PERSONAL CHECKING

NOVA Perks™ de Blue

NOVA Perks™ checking gives you everyday banking plus extraordinary perks designed for real life — from local discounts and cell phone protection to roadside assistance and premium rewards.

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NOVA Perks (trademark) Checking by Blue Federal Credit Union

More Than Checking,
Built for Real Life

Power up your checking and get rewarded for living life your way — with everyday banking tools, local savings, premium protections, and rewards that go beyond the basics.

NOVA Perks™ 1 Elite Checking

Best for maximizing rewards and premium perks

Earn elevated savings benefits, loan rebates, Billshark services, and powerful lifestyle protections designed to help you get more from every dollar.

NOVA Perks™ Premium Checking

Best for everyday protection and savings

Enjoy local discounts, cell phone protection, identity theft aid, roadside assistance, and added peace of mind built into your checking account.

NOVA Perks™ Basic Checking

Best for simple everyday banking

Get digital banking tools, nationwide CO-OP access, human support, and a debit card designed for life on the go.

View Full NOVA Perks™ Comparison Chart

NOVA Perks™ Elite Checking 2

Built for members who want more from everyday banking, NOVA Perks™ Elite combines premium financial rewards with powerful lifestyle benefits designed to support your goals. All the benefits of Premium Checking plus…

Hasta 1.75% APY*

NOVA Perks™ Elite Checking Premier Dividend

The Ultimate NOVA Perks™ Experience

$9/mes

Solo $ 7 por mes para militares, socorristas y estudiantes de hasta 23 años.

Promotional Savings Rate

Sky High Savings rate increases to 2.25% APY 3

Term Share Bonus

0.50% APY* bonus increase on Standard Term Shares

Interest Rebate

Get a 5.00% Interest Rebate on Loans

High Interest Checking

Get a higher interest rate on your Elite Checking account as high as 1.75% APY

2

Cosmic Benefits from Bazing

Billshark

Let Billshark’s team of experts negotiate your interntet, TV, cell phone and home security services on your behalf, or cancel subscriptions you no longer need.

Identity and credit monitoring require additional activation for monitoring to begin1

Shop Local, Save Local

Access local discounts and national retailer deals through BaZing Savings — for dining, shopping, travel, and more.

Access local discounts and national retailer deals through BaZing Savings — for dining, shopping, travel, and more.

Tarjeta de ahorros para la salud

Save on prescriptions, eye exams, frames, lenses, and hearing services every time you use your card.

Elite ID Theft Aid

Includes identity restoration, payment card resolution, credit monitoring, score tracking, and identity monitoring.

Elite Cell Phone Protection

Pay your monthly phone bill through your NOVA Perks™ account and receive protection for eligible cell phone repair or replacement costs.

Elite Travel Accidental Death Coverage

Enjoy added confidence while traveling with included accidental death coverage tied to eligible travel purchases.

Buyer Protection

Eligible purchases receive additional protection against theft, accidental damage, and qualifying warranty extensions.

Premium Roadside Assistance

Available 24/7 and free to use, with up to $80 in covered service charges. Help is always a call away.

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NOVA Perks™ Premium Checking 4

NOVA Perks™ Premium has everyday protections, local savings, and lifestyle benefits designed to help you get more out of every month.

Hasta 0.35% APY*

NOVA Perks™ Premium Checking Premier Dividend

More Protection. More Perks. More Possibilities.

$7/mes

Stellar Benefits from Bazing

Shop Local, Save Local

Access local discounts and national retailer deals through BaZing Savings — for dining, shopping, travel, and more.

Access local discounts and national retailer deals through BaZing Savings — for dining, shopping, travel, and more.

Tarjeta de ahorros para la salud

Save on prescriptions, eye exams, frames, lenses, and hearing services every time you use your card.

Elite ID Theft Aid

Includes identity restoration, payment card resolution, credit monitoring, score tracking, and identity monitoring.

Elite Cell Phone Protection

Pay your monthly phone bill through your NOVA Perks™ account and receive protection for eligible cell phone repair or replacement costs.

Elite Travel Accidental Death Coverage

Enjoy added confidence while traveling with included accidental death coverage tied to eligible travel purchases.

Buyer Protection

Eligible purchases receive additional protection against theft, accidental damage, and qualifying warranty extensions.

Premium Roadside Assistance

Available 24/7 and free to use, with up to $80 in covered service charges. Help is always a call away.

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View BaZing Guide to Benefits

NOVA Perks™ Basic 5

Bank confidently with the essentials you need for everyday life — plus added conveniences that help you stay connected wherever life takes you.

Everyday Banking Made Simple

GRATIS

Free when you complete one transaction per month or maintain a minimum $100 balance to waive the $8/mo fee.

CO-OP Branching

Access over 30,000+ surcharge-free CO-OP ATMs and 5,000+ shared branches across the country, so your money is always within reach.

Digital Banking Tools

Manage your money anytime with online banking, mobile deposit, bill pay, alerts, and budgeting tools designed for real life.

Visa® Debit Card

Tap, swipe, and shop securely with a debit card built for everyday convenience and backed by Visa® protection.

Limited Roadside Assistance

Get added peace of mind on the road with available Visa® roadside service coverage when unexpected situations happen.

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More Possibilities, Less Ordinary Banking

At Blue, we believe banking should support your money, your goals, and your community. See what NOVA Perks™ has done for members like you.

¡Mi hija tiene la piel sensible y su loción recetada iba a ser $200. I pulled up my NOVA Perks™ app, ran my Health Savings Card, and the total came down to $30.77. NOVA Perks saved me almost $170 on one prescription."

–Sarah K.

"I used my NOVA Perks app while on vacation in San Diego. I saved money on bike rentals, food, beverages, and shopping - almost $60 total. That would cover six months of Elite charges, and that was just one trip."

–Jen H.

"I have five cell phones on my plan and was paying $63 a month for cell protection through my carrier. I canceled it and switched to NOVA Perks Elite. Now I'm saving $54 a month - that's $648 a year."

–Aaron R.

Local Pride Card Designs

Tarjeta Colorado Proud
Tarjeta de Orgullo de Wyoming
Tarjeta de débito estándar

Preguntas frecuentes

Have a question about NOVA Perks? Find answers to the most common ones below.

What are the eligibility requirements for NOVA Perks?

NOVA Perks™ accounts are available to eligible Blue Federal Credit Union members. Certain perks and rewards may require qualifying activity, minimum balances, or enrollment to receive full benefits. See account disclosures for complete details.

How does the 5.00% Interest Rebate on Loans work?

Eligible NOVA Perks™ Elite members can receive a rebate on qualifying Blue Federal Credit Union loan interest. Rebate eligibility, loan types, and reward amounts may vary based on account qualifications and program terms.

Can I upgrade from Basic to Premium or Elite?

Yes. Existing Blue members can upgrade their NOVA Perks™ checking account by contacting Blue Federal Credit Union or visiting a branch location.

What is covered under Cell Phone Protection?

NOVA Perks™ Premium and Elite include cell phone protection for eligible devices when your monthly wireless bill is paid through your qualifying NOVA Perks™ account. Coverage may include repair or replacement costs for covered damage or theft, subject to program terms and limitations.

What is BaZing Savings and where can I use it?

BaZing Savings® gives NOVA Perks™ Premium and Elite members access to local discounts and national deals on dining, shopping, travel, entertainment, and everyday purchases through participating businesses and retailers.

Does NOVA Perks™ include roadside assistance?

Yes. NOVA Perks™ accounts include roadside assistance benefits, with Premium and Elite accounts offering enhanced roadside coverage options. Service availability and coverage limits may apply.

Are there monthly fees for NOVA Perks™ accounts?

NOVA Perks™ Basic is free with qualifying account activity or minimum balance requirements. Premium and Elite accounts have monthly service fees associated with expanded perks and rewards.

What makes NOVA Perks™ different from a standard checking account?

NOVA Perks™ combines everyday banking with lifestyle benefits, financial rewards, local savings, and protection features designed to support your life beyond just your account balance.

Aplicación empresarial BaZing. NOVA Perks™ de Blue Business Partnership

Si está interesado en asociarse con Blue y BaZing para promocionar su negocio a través del programa "Compre localmente, ahorre localmente con BaZing Savings", haga clic en el enlace a continuación para completar una solicitud.

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Contáctenos

Todas las tarifas son efectivas a partir de:

Las tarifas pueden estar sujetas a cambios sin previo aviso.

Terms & Disclosures

  1. Descargo de responsabilidad: 1) Sujeto a los términos y condiciones detallados en la Guía de Beneficios. 2) Los productos de seguro: NO UN DEPÓSITO. NO ESTÁN ASEGURADOS POR EL GOBIERNO FEDERAL. NO SON UNA OBLIGACIÓN NI ESTÁN GARANTIZADOS POR LA COOPERATIVA DE AHORRO Y CRÉDITO, SUS AFILIADOS O CUALQUIER AGENCIA GUBERNAMENTAL. 3) El monitoreo de identidad y crédito requiere una activación adicional para que comience el monitoreo. 4) La tasa puede cambiar mensualmente. 5) Sujeto a términos y condiciones, se aplican algunas exclusiones. 6) La falta de pago dará lugar a la transferencia al Plan Básico. Precio sujeto a cambios. Se requiere membresía. Asegurado por la NCUA. Debe tener 18 años o más.
  2. ELITE CHECKING Enrollment in NOVA Perks™ by Blue, Elite account qualifies member for full program benefits. Ciertas opciones de beneficios deben pagarse con la cuenta de cheques Elite para estar cubiertas, consulte la Guía de beneficios de BaZing para obtener más detalles. La cuenta incurrirá en una tarifa mensual y se deducirá de la cuenta a principios de mes. No se llevará a la cuenta a un saldo negativo para hacer el pago de la tarifa. El pago de cortesía no se puede utilizar para pagar la cuota mensual. La cuenta califica al miembro para nuestra mejor tasa de dividendos en saldos corrientes de hasta $15,000. La cuenta califica al miembro para un beneficio de intereses sobre acciones a plazo regular. La oferta no se puede combinar con las tarifas de acciones a plazo promocional. La cuenta al día es elegible para un reembolso de intereses aplicado a préstamos de automóviles, embarcaciones, vehículos recreativos y personales reservados después de la fecha de lanzamiento de NOVA Perks™ by Blue. Los pagos del préstamo deben realizarse desde la cuenta de cheques Elite Blue calificada. El reembolso se depositará en la acción durante el mes siguiente a los pagos del préstamo realizados a tiempo y con buenos fondos. El valor del reembolso se puede informar para fines fiscales según lo exigen las regulaciones del IRS; consulte a su profesional de impuestos para obtener más información. La falta de pago de la cuota mensual de la cuenta dará lugar a la transferencia al plan Básico, que no califica para el beneficio completo del programa; consulte la divulgación de la cuenta básica para obtener más detalles. Consulte la Divulgación de Veracidad en los Ahorros para obtener detalles sobre las tasas. Oferta sujeta a cambios sin previo aviso. Debe tener 18 años o más. Asegurado por la NCUA.
  3. Sky High Savings Rate Lock Disclosure * Annual Percentage Yield. No minimum balance required to obtain disclosed APY. La tasa fija es efectiva durante seis (6) meses después de la solicitud del miembro. La tasa se aplica al saldo total de la acción. Se otorgarán períodos consecutivos de tasa fija si se solicitan antes del vencimiento de la tasa fija ofrecida actualmente, si está disponible. Si no se recibe ninguna solicitud, la tarifa se cambiará a la tarifa base actual al final del período de bloqueo. Debe tener una cuenta de cheques Elite activa para calificar. Si la cuenta de cheques Elite se transfiere a cualquier otro producto de cheques o se cierra, la tasa se cambiará a la tarifa base actual. No hay límite de depósitos o retiros. La oferta está sujeta a cambios en cualquier momento sin previo aviso. Se aplican todos los demás términos y condiciones de la cuenta. Consulte su Acuerdo de servicio para miembros para obtener más detalles.
  4. PREMIUM CHECKING Enrollment in NOVA Perks™ by Blue, Premium account qualifies member for partial program benefits. Ciertas opciones de beneficios deben pagarse de la cuenta de cheques Premium para estar cubiertas, consulte la Guía de beneficios de BaZing para obtener más detalles. La cuenta de cheques Premium incurrirá en una tarifa mensual y se deducirá de la cuenta a principios de mes. La falta de pago de la cuota mensual dará lugar a la transferencia a la cuenta básica, consulte Divulgación de la Cuenta Básica para obtener más detalles. No se llevará a la cuenta a un saldo negativo para hacer el pago de la tarifa. El pago de cortesía no se puede utilizar para pagar la cuota mensual. Al inscribirse en NOVA Perks™ by Blue, Premium account qualifies member for a dividend rate on checking balances up to $15,000. Consulte la Divulgación de Veracidad en los Ahorros para obtener detalles sobre las tasas. Oferta sujeta a cambios sin previo aviso. Debe tener 18 años o más. Asegurado por la NCUA.
  5. BASIC CHECKING Enrollment in NOVA Perks™ by Blue, Basic account qualifies member for Anywhere Banking Tools. Basic account will incur a monthly fee and will be deducted from the account at the end of the month. La falta de pago de la cuota mensual puede resultar en un saldo negativo de la cuenta de cheques. Exímase del cargo mensual completando al menos una transacción por mes o manteniendo un saldo mínimo de $100 durante todo el mes. Oferta sujeta a cambios sin previo aviso. Debe tener 18 años o más. Asegurado por la NCUA.
*Annual Percentage Yield (APY) **Annual Percentage Rate (APR) Rates subject to change at any time.