Checking Accounts Overview
To manage your money, you need a checking account that supports your unique spending habits and safeguards your funds. Both our Basic and Edge Pay accounts provide access to ATMs, Online Banking, and Mobile Banking. Choose an account that helps you reach your goals and complements your lifestyle.
BASIC CHECKING
- Perfect for members who want a no-frills account, like to write checks frequently, and need access to an overdraft line of credit.
- Pays monthly dividends.
- Doesn’t charge monthly maintenance fees.
EDGE PAY CHECKING
- Great for members who like to use their debit card to pay for things and who want to stay on budget and avoid extra fees.
- Offers automatic round up savings with a monthly bonus match from VSECU.
- Provides identity and cell phone protection along with wellness savings.
Are you ready to open your account? Click here to start the application process.
COMPARE CHECKING ACCOUNTS
| Basic Checking: | Edge Pay Checking: | |
|---|---|---|
| Minimum Opening Balance | $25 | $25 |
| Interest-Bearing Account | Yes | No |
| Bonus Deposit to Savings Account | No | Yes—up to 50% of monthly round-up with a $5 cap |
| Insufficient Funds Fee | $28 | No |
| Overdraft Protection Available | Yes | No |
| Paper Account | Yes—checks and monthly paper statements | No—must opt into eStatements to avoid a paper statement fee |
| Additional Account Benefits | No | Yes—IDProtect®, cell phone protection, and health discounts |
| Monthly Fee | No | $4.95 monthly subscription fee |
