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PERSONAL CHECKING

NOVA Perks™ by 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…

Up to 1.75% APY*

NOVA Perks™ Elite Checking Premier Dividend

The Ultimate NOVA Perks™ Experience

$9/Month

Only $7/month for military, first responders, and students 23 and under.

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

Elite 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.

Health Savings Card

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.

Apply Online
View BaZing Guide to Benefits

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.

Up to 0.35% APY*

NOVA Perks™ Premium Checking Premier Dividend

More Protection. More Perks. More Possibilities.

$7/Month

Premium 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.

Health Savings Card

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.

Apply Online
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

FREE

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.

Apply Online
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Launch Your Perks Today!

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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.

“My daughter has sensitive skin, and her prescription lotion was going to be $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

Colorado Proud Card
Wyoming Proud Card
Standard Debit Card

FAQs

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 a monthly subscription cost associated with expanded perks and banking 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.

BaZing Business Application – NOVA Perks™ by Blue Business Partnership

If you are interested in partnering with Blue and BaZing to promote your business through the ‘Shop Local, Save Local with BaZing Savings’ program, click the link below to fill out an application.

Apply Now
Still have questions?

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All rates effective as of:

Rates may be subject to change without notice.

Terms & Disclosures

  1. Disclaimer: 1) Subject to the terms and conditions detailed in the Guide to Benefits. 2) Insurance products are: NOT A DEPOSIT. NOT FEDERALLY INSURED. NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY. 3) Identity and credit monitoring require additional activation for monitoring to begin. 4) Rate may change monthly. 5) Subject to terms and conditions, some exclusions apply. 6) Non-payment will result in transfer to Basic Plan. Price subject to change. Membership Required. Insured by NCUA. Must be 18 or older.
  2. ELITE CHECKING Enrollment in NOVA Perks™ by Blue, Elite account qualifies member for full program benefits. Certain benefit options must be paid from the Elite checking to be covered, see BaZing Guide to Benefits for more details. Account will incur a monthly fee and will be deducted from the account at the beginning of the month. Account will not be taken to a negative balance for fee payment. Courtesy Pay may not be used to pay the monthly fee. Account qualifies member for our best dividend rate on checking balances up to $15,000. Account qualifies member for an interest benefit on regular term shares. Offer cannot be combined with Promotional Term Share rates. Account in good standing is eligible for an Interest Rebate applied to auto, boat, recreational vehicle, and personal loans booked after NOVA Perks™ by Blue launch date. Loan payments must be made from the qualified Elite Blue checking account. Rebate will be deposited into the share during the month following loan payments made on time and with good funds. Rebate value may be reported for tax purposes as required by IRS regulations, see your tax professional for more information. Nonpayment of the monthly account fee will result in transfer to the Basic plan which does not qualify for the full program benefit, see Basic account disclosure for more details. See Truth in Savings Disclosure for rate details. Offer subject to change without notification. Must be 18 years or older. Insured by NCUA.
  3. Sky High Savings Rate Lock Disclosure * Annual Percentage Yield. No minimum balance required to obtain disclosed APY. Locked rate is effective for six (6) months following member request. Rate applies to the full balance of the share. Consecutive rate lock periods will be granted if requested prior to the lock expiration at the currently offered rate, if available. If no request is received, the rate will be changed to the current base rate at the end of the lock period. Must have an active Elite Checking to qualify. If Elite Checking is transitioned to any other checking product or is closed, rate will be changed to the current base rate. No limit on deposits or withdrawals. Offer subject to change at any time without advance notice. All other account terms and conditions apply. See your Member Service Agreement for more details.
  4. PREMIUM CHECKING Enrollment in NOVA Perks™ by Blue, Premium account qualifies member for partial program benefits. Certain benefit options must be paid from the Premium checking to be covered, see BaZing Guide to Benefits for more details. Premium checking account will incur a monthly fee and will be deducted from the account at the beginning of the month. Nonpayment of the monthly fee will result in transfer to the Basic account, see Basic account disclosure for more details. Account will not be taken to a negative balance for fee payment. Courtesy Pay may not be used to pay the monthly fee. Enrollment in NOVA Perks™ by Blue, Premium account qualifies member for a dividend rate on checking balances up to $15,000. See Truth in Savings Disclosure for rate details. Offer subject to change without notification. Must be 18 years or older. Insured by 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. Nonpayment of the monthly fee may result in a negative balance of the checking account. Waive the monthly fee by completing at least one transaction per month or maintaining a minimum $100 balance throughout the month. Offer subject to change without notification. Must be 18 years or older. Insured by NCUA.
*Annual Percentage Yield (APY) **Annual Percentage Rate (APR) Rates subject to change at any time.