Business LoansAccounts Style 02Car LoansCareersCheckingCredit CardsDigital BankingAccounts Style 01Home Equity LoansInsuranceInvestingMembershipMortgagePersonal LoansRV, Boat, Motorcycle LoansSavings

  • Checking

    Discover checking products customized to meet your needs. Looking for a debit card or just mobile banking? Or maybe you prefer paper checks and an account that pays you back?
A couple eating at restaurant.

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.?

Learn more about Extra Credit Checking

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

Earn dividends

with a minimum $5,000 monthly balance

0.25

?

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

Earn dividends

with a minimum $5,000 monthly balance

0.25

?

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.?

Learn more about Encore Checking

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 month?

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 app?
with mobile deposit?

Paper checks

Easily order checks online or by phone (four colors, $20 for 80)

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 0.25% APY?

(View Rates)

Pays dividends

Yes, starting at 0.25% APY?

(View Rates)
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 members and discover a financial institution that puts you first.

Scroll to top
800-285-6609 VACU Routing Number 251082615
  • 1

    Applicants under age 15 must have a parent/guardian as joint owner on the account.

  • 2

    The deposit rate information applies to accounts starting on the 07/04/2026. APYs may change after account is opened. Fees may reduce earnings on your accounts.

  • 3

    Non-members must visit a branch to open.

  • 4

    Charged beginning the second month the account is opened.

  • 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.

  • 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.

  • 8

    Rate effective as of 07/04/2026. With minimum $5,000 balance. Annual percentage yield (APY) may change after account is opened. Fees may reduce earnings on your accounts.

NCUA logo Insured by NCUA Equal Housing Opportunity logo Equal Housing Opportunity NMLS# 407552
Privacy Privacy Settings Site Map
© 2026 Virginia Credit Union