Checking Services


Why pay high monthly fees for a checking account? With a wide range of checking options, including features to meet your needs like ATM fee rebates, online account access and ATMs anywhere, you’ll get more for your money at VACU.

Compare our account options:

   Pays Dividends Monthly Fee

Regular Checking

Our Regular Checking is free and requires no minimum balance, letting you take your money further and bank with confidence.

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 No  None

Extra Credit Checking

This free checking account, available for members ages 13-22, is the start to a bright financial future.

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Checking Plus

Checking Plus gives you all the benefits of Regular Checking and lets you earn dividends just by doing what you’re already doing.

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None if minimum daily balance is $1,000 or more; $10 if less than $1,000.

Enhanced Benefit Checking

Created for members who have a more complete banking relationship with VACU, offering additional benefits and incentives to those with higher balances.

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None if minimum average monthly combined deposit balances are $25,000 or more; $15 if less than $25,000.

Encore Checking

Designed for members rebuilding their checking history. Encore Checking offers the opportunity to qualify for free Regular Checking.

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 No  $9.95***

Included with all of our checking accounts:




Tools and resources to help you live more confidently. Learn more


Use our Checking Switch Kit to easily move your existing checking account to VACU. Get details



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

*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.

**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.

***Charged beginning the first month the account is opened.