Checking Account

At VSECU, we offer one basic Checking account. It’s pretty simple, but after all, a Checking account should be simple. You just need a safe place to hold your money so you can write checks, make purchases with your debit card, and manage your finances. VSECU also offers secure online and mobile access 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.



Access your checking account at any ATM around the world. VSECU ATMs give you free and unlimited access to your account, and you can avoid surcharge fees by using CO-OP or VSECU ATMs.


View transaction history, transfer money between accounts, and make payments to your VSECU loans all for free and online. Bill Pay makes it easy to make payments directly from your Checking account.


With our free Mobile Banking app, you can access your accounts when you’re on the go. Use Mobile Deposit to take a picture of a check and deposit it into your account from anywhere in the world.


Card Alerts offers text or email notifications when your card is used. Set custom alerts for transaction types and dollar amounts that you choose. You may change your alert preferences at any time.


You can request a free debit card with your Checking account. Your debit card can be used anywhere the VISA logo is displayed to make purchases and also to access your accounts at ATMs.


With your VSECU Checking account, you can write unlimited checks without any monthly maintenance or transaction fees, making paying your bills, rent, and more free and easy.


Verified by Visa allows you to add a password to confirm online purchases made with your Visa® debit card, giving you the ultimate in protection for online and in-person transactions.



We have one of the only checking accounts that actually makes you money! Each month, dividends earned on your checking account balances are credited directly back to your account.


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.

Open an Account

You can complete this online application to open a credit union savings, checking or certificate of deposit account. You will have the option to fund the account from your existing VSECU account(s) or accounts at another financial institution, by mail or in person. If you are already a member and want to apply for a product online, it’s easier to apply once you’ve logged into Online Banking. That way we can save you time by pre-filling the application with information we already have on file for you.