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


Debit card, ATM fee rebates, and online and mobile banking


Minimum required to open


Monthly fee2

  • 2 Charged beginning the first month the account is opened.

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 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 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, $20 for 100)

Phone banking

Enjoy free 24-hour QuikLine phone banking

Rebuild your checking account and get back on track

We’re here to help. Become a credit union member today to get started or log in to online banking to open an account.6

  • 6 Non-members must visit a branch to open.