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Digital Banking

Our many convenient ways of banking mean you can access your accounts whenever, wherever, and on whatever device you choose.

Online Banking

Take control of your money, on your own terms – no branch visit required. From your computer, online access allows you to transfer funds, check account balances, see your transaction history, manage accounts, pay bills and more.

Features & benefits

  • View account balances, transaction history, pending debit card transactions and images of checks that have cleared
  • Transfer funds between your VACU accounts, to other VACU online banking users and to accounts at other banks
  • Make loan or credit card payments
  • Open additional accounts, apply for loans, accept offers
  • Download account information into Quicken® or Microsoft Money®
  • Enroll to receive account alerts via email or text
  • Use the latest proven technology to secure your personal and financial information

Bill Pay

Skip the stamp cost and handwriting checks with free online bill pay

Manage Cards

Turn cards on or off, apply for limit increases, transfer balances, and more

Money Tracker

Set personal budget goals and keep them by tracking spending across accounts

eStatements & eNotices

Cut back on paper and waste and get banking documents online, for free

Enroll in online banking–it’s easy.

Signing up takes just three minutes and is fully secure. You will need your Social Security Number and member number, and you will be asked a few security questions. Online banking access also gets you access to mobile banking including our apps.

Mobile Banking

Apple or Droid? Both smartphone platforms1 work with our mobile apps2. Deposit checks on the fly, transfer funds, pay bills, and show off your tech-savviness with digital wallets at cash registers around the globe.

 Available on the App Store   Android App on Google Play

  • 1 Available for both iPhone & iPad in the App Store℠ and all Android Devices on Google Play™. Once downloaded to your device, you will be asked to enter your online banking user ID and password. You will then receive a one-time PIN to your email to be used the next time you log on to mobile banking
  • 2 While Mobile Banking is free from VACU, please be aware that your mobile service provider may charge you for data plan usage, so check your plan before you start using the service.

Features & benefits

  • Turn your credit or debit card on and off with a simple swipe or click
  • View account balances, history and pending transactions
  • Bank fast with Quick Menu
  • Find branches and ATMs nationwide
  • Make immediate transfers between your VACU accounts
  • Schedule, edit or cancel bill payments
  • Logon using your fingerprint or face with capable devices
  • Deposit checks with mobile deposit
  • See balances before logging on with an Apple Watch™
  • Use digital wallets with Apple Pay™, Google Pay™, and other pay systems
  • View your credit card history and make payments
  • View and track your FICO® score, updated quarterly3
  • Place a travel memo on your cards
  • 3 FICO and "The score lenders use" are registered trademarks of Fair Isaac Corporation in the United States and other countries.

Apps not your thing?

With Mobile Web, you can get a lot of the app’s functionality by simply logging into our website from your mobile device. You won’t be able to access mobile deposit or your FICO® score4, but you can still bank securely and conveniently.

  • 4 FICO and "The score lenders use" are registered trademarks of Fair Isaac Corporation in the United States and other countries.

Enroll in online banking and get our free mobile app.

If you are already enrolled in online banking, simply download the mobile app through the Apple App Store9 or Google Play10 on your device. If you haven’t enrolled in online banking, signing up takes just three minutes.

  • 9 Apple, the Apple logo, iPhone, iPad and iPod touch are trademarks of Apple Computer, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
  • 10 Google Play is a trademark of Google Inc.

Text Banking

You text all day anyway, so why not bank that way, too? Text Banking is a fast, free, and easy way to check your account balances and recent transactions. All you need is a mobile device that has text message (SMS) service enabled. Messaging rates apply.

To use Text Banking, text one of these simple commands to VACU’s short code 59851 to begin receiving account balances and recent transaction information.

Text Command Request
B or BAL A list of all your accounts & their balances
H or HIST The 5 most recent transactions for all your accounts
The 5 most recent transactions for a specific account
(for example, "H C1" for checking or "H S1" for savings)
MENU A list of available commands
HELP VACU support & contact information
STOP Deactivate the service

 Text Banking Tips

  • Add 59851 to your list of mobile contacts to save time (use the name VACU Texting or Text Banker…or something fun!)
  • If you send a text from outside the U.S., you may incur roaming fees; check with your carrier for details
  • Text messages are not case sensitive
  • If your device is lost or stolen, or there are changes to your wireless carrier provider or mobile number, logon to Online Banking to cancel or edit your Text Banking service

Get text banking today

If you are already enrolled in Online Banking, visit and sign in on your mobile device. Select “Text Banking” from the menu, and complete the on-screen activation instructions. If you haven’t enrolled in online banking, signing up takes just three minutes.

QuikLine Phone Service

Prefer picking up the phone? Do your banking anytime with our free 24-hour phone banking service, QuikLine. You'll save time when you use it for routine transactions and inquiries.

Features & benefits

  • Check account balances and activity
  • Determine which checks have cleared
  • Transfer funds between various accounts, such as savings and checking
  • Make loan payments
  • Make credit card payments
  • Verify deposits
  • Get loan advances on your line of credit
  • Request a check from your savings or line of credit

Access QuikLine phone banking

Call QuikLine at 804-560-5600 or 800-285-1096. You'll need a touch-tone phone. Just listen and follow the instructions — we’ll prompt you at each step of the way.