Regular CheckingFree, with no minimum balance. Open an account with just $20.Learn more about Regular Checking. New Members: Open an account Members: Add an accountAccount benefitsFree debit card, online and mobile banking, ATM fee rebates, and much moreNo hidden fees$0No monthly fee or minimum balanceExtra Credit CheckingFor 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 New Members: Open an account Members: Add an accountStart saving early$1Earn dividends on as little as $1 in your account(View Rates)No hidden fees$0No monthly fee or minimum balanceChecking PlusEarn dividends on your money while building your savings.Learn more about Checking Plus New Members: Open an account Members: Add an accountEarn dividendswith a minimum $5,000 monthly balance 0.75%APY?Convenient benefitsEnjoy a free debit card, online and mobile banking, ATM-fee rebates, and much moreEnhanced Benefit CheckingEarn rewards for an enhanced relationship with VACU.Learn more about Enhanced Benefit Checking New Members: Open an account Members: Add an accountEarn dividendswith a minimum $5,000 monthly balance 0.75%APY?Get rewardedEnjoy bonus rates on certificate renewals, free checks, free domestic wire transfers, free overdraft protection and more Encore CheckingEveryone deserves a second chance. Let’s rebuild your finances and get back on track together.?Learn more about Encore Checking New Members: Find a branch Members: Add an accountAccount benefitsGet all our great checking features while practicing good checking habitsMonthly fee$9.95Beats more costly alternativesThese great features come with every checking account: Free debit cardGet a free contactless debit card to make purchases and use at ATMs Nationwide ATMsFind ATMs at VACU locations or sharedbranches with credit unions nationwide No-fee withdrawalsGet 4 no-fee withdrawals fromnon-VACU ATMs each month? Online accessEnjoy free online bankingwith bill pay & eStatements Digital walletsStore and manage informationin digital wallets Mobile bankingUse our convenient mobile banking app?with mobile deposit? Paper checksEasily order checks online or by phone(four colors, $17 for 100) Phone bankingEnjoy free 24-hour QuikLine phone banking Compare checking accounts Attribute to Compare Regular Checking Checking Plus Extra Credit CheckingBest for Best forEveryday checking needs Best forThe benefits of Regular Checking, plus dividends Best forMembers age 13 to 22 starting their financial journeyMonthly fee Monthly fee$0 Monthly fee$0 with minimum balance of $1,000 or more; $10 if less than $1,000 Monthly fee$0Pays dividends Pays dividendsNo Pays dividendsYes, starting at 0.75% APY?(View Rates) Pays dividendsYes, starting at 0.75% 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 todayJoin Virginia Credit Union’s 320,000 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 FAQsFrequently asked questions about checking accounts. Switch Your CheckingMaking 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.