Checking Account

Everything you need. Nothing you don’t. One simple, powerful account. After all, a Checking account should be simple. You get secure online and mobile to your credit union Checking account, allowing you to pay bills, transfer funds, deposit checks using Mobile Deposit, and keep track of your money at any time of the day. Plus you get one of the only checking accounts that actually pays interest which makes you money!

ATTENTION DEBIT CARD HOLDERS—We are upgrading your card processor in order to offer improved services and protection. You will not experience any interruption in service, but the upgrade will result in some modifications to your account. Please visit our card migration page to find out what’s happening, what you can expect, and what steps you can take to ensure a smooth transition.

Open a checking account



With free Online Banking and integrated Bill Pay you can do almost anything you can do in-branch, anywhere online.


Verified by Visa gives you the ultimate in protection for online and in-person transactions.


Our Mobile Banking app lets you access your accounts and deposit checks from anywhere your phone has service.



This is one of the only checking accounts that pays you dividends monthly, which are auto-deposited.

A free debit card can be requested with any checking account. Non-VSECU or CO-OP ATMs may be subject to surcharges and fees from other institutions. See your Member Rewards bonuses to learn how VSECU has eliminated ATM surcharges.


Debit Card Access
Use it anywhere the VISA logo is displayed to make purchases and also to access your accounts at ATMs.

Paper Checks
Write unlimited checks without any monthly maintenance or transaction fees, making paying bills free and easy.

ATM Access
Use our CO-OP & VSECU ATM Locator to avoid fees. Use your debit card to get cash back in-store, or at any ATM worldwide.

Card Alerts
Card Alerts lets you set custom alerts for different transaction types which can be changed any time.

Atm surcharge rebates ATM Surcharge Rebates
ATM surcharge rebates are available for Advantage and Advantage Plus members when using non-VSECU ATMs.

No maintenance feesNo Monthly Maintenance Fees
Unlike other institutions, there are no fees for the maintenance of checking accounts. We’re here to help!

Bill pay Bill Pay
It’s easy to schedule payments to pay your utilities and other bills using VSECU’s automated Bill Pay.

25 minimum balance $25 Opening Balance
VSECU only requires a $25 initial deposit to open and no monthly minimum required to keep your account.

VISA Checkout
Easily pay online at some of your favorite sites with VISA Checkout.

You can complete this online application to open a credit union savings, checking, money market or certificate of deposit account. You will have the option to fund the account via ACH debit or credit, and if you are an existing member you may do an ACH debit or credit or transfer from an existing account. If you are already a member and want to apply for a product online, it’s easier to apply once you’ve logged into our Online Banking system. That way we can save you time by pre-filling the application with the general information we already have on file for you. If you’re not already a member, it takes moments to join. The application will guide you through the process.