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With a minimum $5,000 monthly balance1
(View Rates)

  • 1 Rate effective as of 12/1/2023. With minimum $5,000 balance. Annual percentage yield (APY) may change after account is opened. Fees may reduce earnings on your accounts.


Minimum required to open


No monthly fee with minimum average monthly combined balance of $25,000 or more2

  • 2 $15 if less than $25,000. Qualifying share accounts include your active checking accounts, regular savings, Premium and Premium Plus money market savings, savings certificates and IRAs. The $25,000 minimum average monthly combined deposit balances include deposit balances of all joint owners of the Enhanced Benefit Checking account except for custodian and business accounts.

Similar to Checking Plus, Enhanced Benefit Checking rewards you with dividends and provides great rates on our products and services.

Added rewards for members:

  • Bonus rate on certificate renewals
  • One free box of VACU specialty checks each year
  • Free official checks
  • One free stop payment each month
  • Free overdraft transfers from savings
  • Two free domestic wire transfers each month
  • 20% safe deposit box discount based on availability

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

Open an Enhanced Benefit Checking account

Earn rewards that come from a deeper relationship with Virginia Credit Union. Become a credit union member today to get started or log in to online banking to open an account.