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Checking Plus

Open a checking account that acts like a savings account, and get more for your money.

With a minimum $5,000 monthly balance4


  • 4 Rate effective as of 06/24/2019. With minimum $5,000 balance. Annual percentage yield (APY) may change after account is opened. Fees may reduce earnings on your accounts.


Open a Checking Plus account for $100 bonus5 

  • 5 In order to qualify for the $100 cash bonus, you must 1) be 18 years of age or older 2) Open a new personal checking account, by June 28, 2019, AND 3) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other eligible monthly income of $500 or greater electronically deposited into the account from an employer or outside agency for two consecutive months within 120 days of opening. We reserve the right to request documentation that the direct deposits qualify. Cash bonus is only available to new and existing members that do not currently have a personal checking account or direct deposit history with us within the prior 12 months. Offer may be withdrawn without notice. All accounts are subject to approval. Encore checking accounts do not qualify for the cash bonus. Employees, Board and Official Family are not eligible to receive this offer. Virginia residents only, 1 offer per member. $100 Cash Bonus Payment: Cash bonus is not considered part of the opening deposit and will be reported to the IRS for tax purposes. You are responsible for any applicable taxes. Offer cannot be combined with any other offer, is limited to one per account. We reserve the right to amend or cancel any part of this offer. Minimum opening deposit of $20 is required for VACU personal checking accounts. Product and service eligibility are subject to approval. Your account must be open and in good standing when the bonus is paid, approximately 6 months after opening.


No monthly fee with minimum average monthly combined balance of $1,000 or more6

  • 6 $10 if less than $1,000

Checking Plus is similar to Regular Checking. The difference: with Checking Plus, we will pay you dividends if you can keep a minimum daily balance, which can also help you avoid a monthly fee. (Regular Checking has no monthly fee, but pays no dividends.)

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 month1

  • 1 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 app2
with mobile deposit3

  • 2 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.
  • 3 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