[NY only] Jovia Financial Credit Union $150 Checking Bonus

Update 4/10/21: Deal is back, hat tip to Larrabeedrill

Offer at a glance

Maximum bonus amount: $150
Availability:Nassau/Suffolk county on Long Island NY
Direct deposit required: Yes, $100+
Additional requirements: None
Hard/soft pull: Soft pull
ChexSystems: Unknown
Credit card funding: Unknown
Monthly fees: None
Early account termination fee: Unknown
Household limit: None listed
Expiration date: None listed

Contents

1 The Offer
2 The Fine Print
3 Avoiding Fees
- 3.1 Monthly Fees
- 3.2 Early Account Termination Fee
4 Our Verdict

The Offer

Direct link to offer

Jovia Financial Credit Union is offering a bonus of $150 when you open a new checking account and receive a direct deposit of $100+

The Fine Print

Offer available for new and existing Jovia members from October 1, 2020 through December 31, 2020.
Membership eligibility requirements apply.
Existing accounts prior to the promotional period do not qualify. Offer is for new, first-time Go Green Checking accounts with a reoccurring minimum direct deposit of $100 in the checking account within 60 days of account opening.
Cash bonus will post automatically to the members’ checking or share account and will be reported as income on IRS form 1099-INT. Must meet account qualifications to earn APY and ATM fee reimbursements.
Free first order of checks for new accounts only. Rates subject to change without notice.
All offers can be withdrawn at any time and are subject to change without notice. Employees, volunteers, and affiliates of Jovia and their immediate families are not eligible.
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees to worry about.

Early Account Termination Fee

I wasn’t able to find a fee schedule, so I’m unsure if there is any early account termination fee.

Our Verdict

Looks like it’s worth doing considering it’s a soft pull to open and there are no monthly fees to worry about.

Useful posts regarding bank bonuses:

Post history:

Update 11/14/20: Deal is back and is now $150 instead of $125.

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Larrabeedrill

DP:
Paycheck direct deposit of $100 hit 10/28, $150 sub triggered the same day.

Some notes on the Refer a Friend $50 offer: To find out your referral code, you can chat with them on the website and they can look it up for you. To make sure it triggers P1 and P2 should each keep $100 in the account for 90 days. I’ll update once this goes through

If you need a referral code for P1 feel free to use mine: 297334

bankbonus

Thanks, used your code

killdozer

I can use your code but it asks for first/last name of refer. If this is okay with you, email me meowshark AT hotmail dot COM

EdwardD

During online application process, when it came to the Identity Verification section, instead of asking identity questions, it said the application was under review. It then emailed me asking to upload driver license and SSN card. Had anyone be asked to do that? May be I should have applied in my local branch.

I am very confused about obtaining my own referral code. One rep gave me a 5-digit referral code. But I saw referral codes mentioned by this forum are 6 digits. Called again and another rep told me I can use the first 7 digits of my member ID as my referral code.

Can someone who already obtained your referral code please share how you got your 6-digit referral code?

After joining Jovia, where can I find my own referral code? In online banking or will I need to call? Do I need to already have the Green checking account in order to have a referral code?

Jummydean

Been 100 days since I referred my gf and still no referral bonus.

Did you and your gf finally each receive $50 referral bonus? If so, how long it took?

Yes, we both received it. I had to send them 2 private messages to look into the issue as to why we never received it. Took them about 110 days to pay us on the referral bonus.

Did you find out why referral bonus were not posting automatically by the system like the $150 checking bonus? Or is it that all referral bonus must be reviewed manually in order to receive them? The latter can be a problem if we use ACH transfer for direct deposit.

Rea

Anyone have a referral code for this?

Sure, mine is 289087

Thanks! I lmight try this one.

No Problem

Sure, mine is 297334

Ryan

The $150 bonus posted lightning fast after a push from Chase.
Opened account 5/1/21
Push from Chase 5/6/21
Bonus of $150 posted later that day on 5/6/21 : 0

Jimmydean

Has anyone gotten the bonus yet for referring a friend ?

Raymond

From the terms, it says you need to keep 100 USD in the account for 90 days. I haven’t got mine yet.

Copied from the website.
Offer available to Jovia members who refer a friend or family member to join the credit union as a new member who open a Go Green checking account with a minimum initial deposit of $100. $100 minimum initial deposit must be met within two weeks of account opening and must remain in account for 90 days. Cash bonus will post automatically to the members’ checking or share account when requirements are met. Cash bonus for opening account will be reported as income on IRS form 1099-INT.

bizmark03

with the 1% APY, it seems to be too good to pass. Any feedback on how easy or difficult it is to move money in or out?

Ssss

Any referral codes?

My Referral code 291145

Currently testing with P2. P1 referred P2. The $50 referral bonus doesn’t post the friend/family bonus immediately. and from the terms you have to wait 90 days while keeping $100 in the account. The referred P2 received the $150 already so it looks like it can combine both friends/family referral and the opening bonus.