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Checking

Need a debit card, or just want mobile banking? Prefer paper checks? Want an account that pays you back? Our checking products are made to meet your needs.

Regular Checking

Free, with no minimum balance. Open an account with just $20.

Account benefits

Free debit card, online and mobile banking, ATM fee rebates, and much more

No hidden fees

$0

No monthly fee or minimum balance

Extra Credit Checking

For members age 13 to 22, get a checking account with tools to put you on a path to financial success.1

  • 1 Applicants under age 15 must have a joint owner on the account.
Start saving early

$1

Earn dividends on as little as $1 in your account
(View Rates)

No hidden fees

$0

No monthly fee or minimum balance

Checking Plus

Earn dividends on your money and build your savings.

Earn dividends

with a minimum $5,000 monthly balance

2

  • 2 The deposit rate information applies to accounts starting on the 07/15/2019. APYs may change after account is opened. Fees may reduce earnings on your accounts.
Convenient benefits

Enjoy a free debit card, online and mobile banking, ATM-fee rebates, and much more

Enhanced Benefit Checking

Earn rewards for a deeper relationship with VACU.

Earn dividends

with a minimum $5,000 monthly balance

3

  • 3 The deposit rate information applies to accounts starting on the 07/15/2019. APYs may change after account is opened. Fees may reduce earnings on your accounts.
Get rewarded

Enjoy bonus rates on certificate renewals, free checks, free domestic wire transfers, free overdraft protection and more

Encore Checking

Everyone deserves a second chance. We help you rebuild your finances and get back on track.

Account benefits

Get all our great checking features while practicing good checking habits

Monthly fee

$9.95

Beats more costly alternatives

These great features come with every checking account:

Free debit card

Get a free debit card to make purchases and use at ATMs

Nationwide ATMs

Find ATMs at VACU locations or shared
branches with credit unions nationwide

No-fee withdrawals

Get 4 no-fee withdrawals from
non-VACU ATMs each month4

  • 4 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.

Online access

Enjoy free online banking
with bill pay & eStatements

Digital wallets

Store and manage information
in digital wallets

Mobile banking

Use our convenient mobile banking app5
with mobile deposit6

  • 5 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.
  • 6 For members 13 and older.

Paper checks

Easily order checks online or by phone
(four colors, $16 for 100)

Phone banking

Enjoy free 24-hour QuikLine phone banking

Compare checking accounts

Attribute to Compare Regular Checking Checking Plus Extra Credit Checking
Best for
Best for

Everyday checking needs

Best for

The benefits of Regular Checking,
plus dividends

Best for

Members age 13 to 22
starting their financial journey

Monthly fee
Monthly fee

$0

Monthly fee

$0 with minimum balance of $1,000 or more;
$10 if less than $1,000

Monthly fee

$0

Pays dividends
Pays dividends

No

Pays dividends

Yes, starting at 0.40% APY1

(View Rates)

  • 1 With minimum $5,000 balance. Annual percentage yield (APY) may change after account is opened. Fees may reduce earnings on your accounts.
Pays dividends

Yes, starting at 0.40% APY1

(View Rates)

  • 1 With minimum $5,000 balance. Annual percentage yield (APY) may change after account is opened. Fees may reduce earnings on your accounts.
Minimum balance to open
Minimum balance to open

$20

Minimum balance to open

$20

Minimum balance to open

$20