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 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 checksFirst box of checks is free! Easily order online or by phone (four colors, $20 for 100). Phone bankingEnjoy free 24-hour QuikLine phone banking Open an Extra Credit Checking accountLet’s get started on your financial journey. New Members: Open an account 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.