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No. Every Jovard checking and savings account has a $0 minimum balance and no monthly maintenance fee.
Most applications are approved in under five minutes. You'll need a government-issued ID and your Social Security number or equivalent.
Yes. Joint personal accounts and business accounts are both available directly from the sign-up flow — just select the account type.
Yes, deposits are FDIC-insured up to $250,000 per depositor, through our partner bank.
You can freeze your card instantly from the app. A replacement virtual card is issued immediately, with a physical card arriving in 3–5 business days.
Transfers between your own Jovard accounts are free and instant. Standard external transfers are also free; same-day transfers carry a small fee shown before you confirm.
No. Jovard debit and credit cards have zero foreign transaction fees on purchases made anywhere in the world.