Regular Checking Free, with no minimum balance. Open an account with just $20. Learn more about Regular Checking. New Members: Open an account Members: Add an account 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 13 to 22 years old, open a checking account with the tools to put you on the path to financial success.1 Learn more about Extra Credit Checking 1 Applicants under age 15 must have a joint owner on the account. New Members: Open an account Members: Add an 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 while building your savings. Learn more about Checking Plus New Members: Open an account Members: Add an account Earn dividends with a minimum $5,000 monthly balance 0.50 % APY 2 2 The deposit rate information applies to accounts starting on the 12/07/2022. 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 an enhanced relationship with VACU. Learn more about Enhanced Benefit Checking New Members: Open an account Members: Add an account Earn dividends with a minimum $5,000 monthly balance 0.50 % APY 3 3 The deposit rate information applies to accounts starting on the 12/07/2022. 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. Let’s rebuild your finances and get back on track together.4 Learn more about Encore Checking 4 Non-members must visit a branch to open. New Members: Find a branch Members: Add an account 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 month5 5 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 app6 with mobile deposit7 6 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. 7 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 0.50% 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 0.50% 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 Open a Regular Checking account today Join Virginia Credit Union’s 300,000 members and discover a financial institution that puts you first. New Members: Open an account Members: Add an account 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 0.50% 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 0.50% 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.