Extra Credit Checking

Take the first step towards financial freedom with our Extra Credit Checking, available for members ages 13-22. With the features needed to head down the path of financial success, getting started is easy.

Pays Dividends Monthly Fee  Min. Balance to Open

View rates

None  $20

Get Started

Included with Extra Credit Checking:

  • Free VACU debit card
  • Nationwide ATM & shared branch access
  • ATM fee rebates
  • Online Banking with Bill Pay & eStatements**
  • One fee refund for insufficient funds upon request
  • One free box of specialty checks


Checking Switch KitChecking Switch Kit

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


Watch as Clementine opens her first checking account.



 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

†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.

**For teens 13 and older.

**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.