Minimum required to open


No monthly fee


Earn dividends on as little as $1 in your account
(View Rates)

If you’re young and have never had a banking account, Extra Credit Checking is a great place to start. It’s free and requires no minimum balance, and also gives you money back each month in the form of dividends (a payment based on the amount in your account – save more, earn more). You also get your own debit card and access to convenient tools like our mobile banking app with mobile deposit for your smartphone (Apple or Droid), digital wallets, online access, and more.

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 month?

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 app? with mobile deposit?

Paper checks

First box of checks is free! Easily order online or by phone (four colors, $20 for 80).

Phone banking

Enjoy free 24-hour QuikLine phone banking

Open an Extra Credit Checking account

Let’s get started on your financial journey.