Here are some ways to avoid or minimize paying fees.

Avoid overdraft fees

  • Immediately subtract in your check register any checks, debit card or electronic deductions and other withdrawals.
  • Use Online Banking, Mobile Banking or QuikLine Phone Banking to keep tabs on your account. In Online Banking, sign up for balance alerts to your email or mobile phone.
  • Balance your checking register regularly. Use our balancing form or calculator (Excel).
  • Sign up for Overdraft Protection from savings or a line of credit. A $5 overdraft transfer fee is much less than an overdraft or NSF fee.
  • Be aware of holds for pending debit card transactions. If you use a debit card, stay alert to pending transactions which reduce your available balance. See more information.

Avoid ATM fees

  • Use fee-free ATMs at VACU and all Wawa® and Sheetz® stores in Virginia.
  • Get cash back at the store when you use your debit card and PIN for purchases.
  • Pay with your debit card to reduce the need for cash.
  • Avoid a lot of small withdrawals–get more cash per trip to an ATM.

Remember, at non-VACU ATMs you get up to 4 checking withdrawals per month free of VACU network ATM fees. While other ATM owners may add a surcharge, you can enjoy ATM fee rebates with qualifying checking activity.

Avoid overdraft transfer fees

These are fees for overdraft transfers from savings or a line of credit (if you have signed up for Overdraft Protection).

  • Use Online Banking, Mobile Banking or QuikLine Phone Banking to keep tabs on your accounts and to make your own transfers.
  • Authorize direct deposits to go to checking instead of savings.
  • Adjust checking and savings payroll deductions to reflect your normal spending habits.

Avoid savings account fees

  • Limit cash or official check withdrawals to 2 per month to avoid excessive withdrawal fees.
  • To avoid a fee for an official check when you need a check from savings, transfer the funds to your VACU checking account and write your own check. Or request a check through Quikline Phone Banking, where there is no official check fee.
  • Maintain a regular savings account balance of at least $100 or use other VACU services to avoid a savings-only fee for a savings account opened more than 1 year (members under 23 excluded).

Avoid late fees

Avoid inactivity fees

  • Maintain a total share balance of at least $100 or keep your accounts active.

Please contact us if you have questions or we can help you in any way.