Rebuild with confidence. Encore Checking helps members avoid costly checking alternatives while practicing good checking habits. After a year, if your account is in good standing, you will be eligible to convert to a Regular Checking or Checking Plus account.These 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 shared branches with credit unions nationwide No-fee withdrawalsGet 4 no-fee withdrawals from non-VACU ATMs each month11 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 accessEnjoy free online banking with bill pay & eStatements Digital walletsStore and manage information in digital wallets Mobile bankingUse our convenient mobile banking app2 with mobile deposit32 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 checksEasily order checks online or by phone (four colors, $20 for 100) Phone bankingEnjoy free 24-hour QuikLine phone banking Rebuild your checking account and get back on trackWe’re here to help. Become a credit union member today to get started or log in to online banking to open an account.66 Non-members must visit a branch to open. New Members: Find a branch 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.