Encore Checking Need to get back on track? Encore Checking helps members avoid costly checking alternatives while practicing good checking habits. We’re here to help! After 12 months, accounts in good standing are eligible to be converted to Regular Checking or Checking Plus upon request. Pays Dividends Monthly Fee Min. Balance to Open No $9.95*** $20 Get Started Included with all of our checking accounts: Free VACU debit card Nationwide ATM & shared branch access ATM fee rebates Online Banking with Bill Pay & eStatements Store and manage your payment information with digital wallets Free Mobile Banking App* with Mobile Deposit Easy online check reordering QuikLine phone banking 4 checking withdrawals from non-VACU ATMs free of network fees each month** Checking Switch Kit Use our Checking Switch Kit to easily move your existing account to VACU. Get details Already have a VACU checking account? Whether you’re looking to set up direct deposit, reorder checks or learn more about the features of your VACU checking account, our resources can help. View our account holder resources *While Mobile Banking is free from VACU, please be aware that your mobile service provider may charge you for data plan usage. Check your plan before you start using the service. **Please 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. ***Charged beginning the first month the account is opened.