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Extra Credit Checking

Teenagers and members aged 13-224 can earn cash on money in the bank — just like extra credit from the teacher.

  • 4 Applicants under age 15 must have a parent/guardian as joint owner on the account.

$20

Minimum required to open

$0

No monthly fee

$1

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 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

First box of checks is free! Easily order online or by phone (four colors, $16 for 100).

Phone banking

Enjoy free 24-hour QuikLine phone banking