Enhanced Benefit Checking

Isn't it great to be rewarded? This account is our way of thanking you for a deeper deposit relationship with Virginia Credit Union.

Your $100 bonus* is waiting!

Until June 28, 2019, you can earn a $100 bonus* when you open an Enhanced Benefit Checking account and set up direct deposit. Open your checking account over the phone, at a branch or within online banking

Added benefits include:

  • Bonus rate on certificate renewals
  • One free box of VACU specialty checks each year
  • One free stop payment each month
  • Free official checks
  • Two free domestic wire transfers each month
  • Free overdraft transfers from savings
  • 20% safe deposit box discount based on availability
Pays Dividends Monthly Fee  Min. Balance to Open

View rates

None if min. average monthly combined deposit balances are $25,000 or more. $15 if less than $25,000.1  $20
Get Started

Included with all of our checking accounts:

Checking Switch Kit

Checking Switch Kit

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



 Already have a VACU checking account?

Whether you’re looking to set up direct deposit, reorder checks or learn more about the features of your VACU checking account, our resources can help.

 View our account holder resources

*Offer: In order to qualify for the $100 cash bonus, you must 1) be 18 years of age or older 2) Open a new personal checking account, by June 28, 2019, AND 3) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other eligible monthly income of $500 or greater electronically deposited into the account from an employer or outside agency for two consecutive months within 120 days of opening. We reserve the right to request documentation that the direct deposits qualify. Cash bonus is only available to new and existing members that do not currently have a personal checking account or direct deposit history with us within the prior 12 months. Offer may be withdrawn without notice. All accounts are subject to approval. Encore checking accounts do not qualify for the cash bonus. Employees, Board and Official Family are not eligible to receive this offer. Virginia residents only, 1 offer per member. $100 Cash Bonus Payment: Cash bonus is not considered part of the opening deposit and will be reported to the IRS for tax purposes. You are responsible for any applicable taxes. Offer cannot be combined with any other offer, is limited to one per account. We reserve the right to amend or cancel any part of this offer. Minimum opening deposit of $20 is required for VACU personal checking accounts. Product and service eligibility are subject to approval. Your account must be open and in good standing when the bonus is paid, approximately 6 months after opening.*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.

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.

**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.