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 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 Rebuild your checking account and get back on track We’re here to help. Become a credit union member today to get started or login to online banking to open an account. Join VACU Login Checking Resources See More Resources Checking FAQs Frequently asked questions about checking accounts. Switch Your Checking Making 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. Checking Account Management This course will help you learn the basics and give you tips and information on how to manage your checking account.