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Checking Account Comparison

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Features & Benefits
Checking Plus
(compare to Interest Checking elsewhere)
Encore Checking
Extra Credit Checking
(For ages 15-22)
Minimum balance requirement
$1,000 daily balance
 $20 minimum opening balance
Monthly fee
None — Free
None if minimum balance is maintained
None — Free
Pays dividends
Debit card


Online Banking


Online Bill Pay


Electronic statements (eStatements)


Mobile Banking1


Mobile Deposit1

Free — Available with our Mobile Banking apps

Text Banking2


QuikLine Phone Banking


ATM checking withdrawals at ATMs not owned by VACU3

4 per month free of VACU network ATM fees; $2 thereafter.
Surcharge rebates available with qualifying checking activity.

Statement Rewards
Money-saving offers based on debit card purchase and checking activity, viewed in Online Banking
Change Jar
Optional automatic savings program that rounds up debit card purchase amounts
Check printing cost
Most economical is $16 for 150 checks
One free order of VACU specialty checks
Overdraft Protection transfers from other designated accounts
$5 maximum one fee per day even if multiple overdraft sources are accessed
Overdraft / returned item fee
$20 for the first fee,
$35 for each additional fee
$20 for the first fee,
$35 for each additional fee
One fee waived upon request
Read Important Disclosures

1While Mobile Banking and Deposit is free from VACU, please be aware that your mobile service provider may charge you for data plan usage, so check your plan before you start using the service.

2While Text Banking is free from VACU, your mobile service provider may charge for sending and receiving text messages. Check with your provider for details and specific charges that may apply for you.

3Please 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.

4Charged 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.