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Protection that pays – see how much better we stack up against some of our competitors. 

Shield Checking Grid


Key Features

  • Debit Card Rewards
  • Digital Banking
  • 30,000+ Free ATMs
  • 5,000+ Service Centers
  • Earn up to 3% APY1
  • Low $5 monthly service charge2
  • No minimum balance requirements
  • IDProtect® — identity theft monitoring and resolution service3
    • Includes up to $10,000 identity theft expense reimbursement coverage4 to cover expenses associated with restoring your identity
  • Cellular Telephone Protection4
    • Cellular telephone bill must be paid through Shield Checking account
  • Unlimited check writing with no per check fee
  • Debit Rewards with every purchase
  • Free digital banking
  • Free Visa debit card
  • Access to over 5,000 service centers
  • Access to over 30,000 surcharge-free ATMs5
  • Overdraft line of credit protection available
  • Free thank you gift when you open account6
  • Buy back of your unused checks and debit card from other financial institution7
  • $10 minimum deposit to open

1The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid based on the Dividend Rate and frequency of compounding for an annual period.  Shield Checking account is a tiered rate account. If your average daily balance is $15,000.00 or below and you meet all of the following requirements, the first dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply: 1) you complete at least 8 debit card transactions each statement period; and 2) maintain an average daily balance greater than $3,500.00. The second dividend rate and range of annual percentage yield listed for this account will apply to any balances above the initial $15,000.00. Each rate will apply only to that portion of the account balance within each balance range. For example: if you have a balance of $16,000.00, you will earn the first dividend rate on $15,000.00 and the second dividend rate on $1,000.00. If you do not meet the requirements to earn the premium dividend rate, the third dividend rate and annual percentage yield listed for this account will apply to the entire balance in the account.  Rates are subject to change without notice. There is a $5 per month service fee for Shield Checking account. Fees could reduce the earnings on the account.

2Other fees such as non-sufficient funds, overdraft, and sustained overdraft fees, etc. may apply. 

3IDProtect service is a personal identity theft protection service available to account owner(s) and their joint account holders. Service is not available to a “signer” on the account who is not an account owner. Service is not available to businesses, clubs, organizations and/or churches and their members, schools and employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered).

4Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.

5To avoid paying a fee, choose any INOVA FCU ATM, Alliance One or CO-OP Network ATM across the nation. Foreign ATM transactions will be charged $2 per transaction.

6Free gift may be reported on a 1099-INT or 1099-MISC. Free gift provided at the time of account opening. Free Thank You Gift can be redeemed only by opening an eligible checking account in an INOVA branch location. Free Thank You Gifts will not be mailed to new or existing members.

7Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented. 

Insurance product is not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.