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Checking Account Comparison

From paying for groceries or gas to getting money at the ATM for dinner and a movie, our personal checking options can help. All our accounts offer you 24/7 access to your funds, overdraft protection, direct deposit and much more.


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Opening Deposit
Monthly Fee
Regular Checking
Free checking with no monthly fee

Learn more

Checking Plus
Checking that earns dividends

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if minimum
daily balance
falls below
Extra Credit Checking
Free checking for young adults ages 15 - 22

Learn more

Enhanced Benefit Checking
Full-featured, relationship-based checking

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if minimum average monthly combined deposit balances fall below $25,000
Encore Checking
Checking for members rebuilding their checking history
Read Important Disclosures

1Please be aware the other ATM owner may charge a fee. Using your debit card to get cash back with purchases can help you save on ATM fees.

2Charged beginning the first month the account is opened.

Please contact Member Services at (804) 323-6800 or (800) 285-6609 if we can help you in any way.


Included with all Virginia Credit Union checking accounts:

  • Free VACU debit card
  • Nationwide ATM and shared branch access
  • Free Bill Pay, eBills, eStatements & eNotices
  • Easy online check reordering
  • Statement Rewards - money-saving offers based on your debit card usage
  • Change Jar -  rounded up debit card purchases that are deposited to savings

Free and easy account access