Regular Checking Free, with no minimum balance. Open an account with just $20. Learn more 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. Learn more 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. Learn more Earn dividends with a minimum $5,000 monthly balance 0.15 % APY 2 2 The deposit rate information applies to accounts starting on the 11/30/2021. 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. Learn more Earn dividends with a minimum $5,000 monthly balance 0.15 % APY 3 3 The deposit rate information applies to accounts starting on the 11/30/2021. 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. Learn more 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 contactless 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, $17 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 0.15% 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 0.15% 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 Join VACU When you become a credit union member, you can access these great accounts, low rates, online and mobile banking, member discounts, and more. Join VACU Checking Resources See More Resources Checking FAQs Frequently asked questions about checking accounts. Switch Your Checking Making the switch to a checking account at your credit union is as easy as 1-2-3. Follow the steps listed here to get started. Checking Account Management This course will help you learn the basics and give you tips and information on how to manage your checking account.
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 0.15% 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 0.15% 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
Switch Your Checking Making the switch to a checking account at your credit union is as easy as 1-2-3. Follow the steps listed here to get started.
Checking Account Management This course will help you learn the basics and give you tips and information on how to manage your checking account.