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Edge Pay: A Debit Card for the Modern World

Security and savings when you pay with Edge

In an increasingly complex and uncertain world, Edge Pay is a modern debit card that protects more than your money. It won’t let you spend more than you have—no overdraft fees, EVER—and the round-up feature gives you automatic savings with every swipe.

With Edge Pay, you’ll also get protective benefits for your identity, your health, and your phone. And VSECU will add to your round-up savings (up to $5 per month!) to help cover your $4.95 monthly subscription fee. Not bad for simply using your debit card.


Not a member? You’ll be prompted to join when you open your account. 


IDProtect® offers ID theft monitoring and resolution.1

Keep an eye on your credit with 24/7 monitoring and daily access to your credit score.

Really. No overdraft fees. Ever!

VSECU gives you 50% bonus savings on your monthly round-up amount to help with your account fee each month.

Save on prescription, vision, and dental costs.

Receive up to $400 in replacement or repair costs.2


Automatically save with the round-up feature, which rounds point-of-sale purchases to the nearest dollar and deposits the difference into your savings.

See how much you’re spending and when you’ve hit a certain spending limit.

It’s your money. Carry a balance that works for you.

Free account access at over 30,000 ATMs.

Deposit checks on the go with your cell phone.

Save a tree with this eco-friendly account that discourages the use of checks and paper statements.*

See how Edge Pay compares to our Basic Checking account.

*Account requires you to opt into eStatements. Otherwise, a monthly statement paper fee will be charged.


Edge Pay is more than a debit card, and offers additional savings and protection available only through the Edge Pay Club Checking Website and Club Checking mobile app upon account registration.

Help protect and restore your identity in case of identity theft, monitor and access your credit report, protect your cell phone, and enjoy health discounts for vision, dental, and prescription purchases.

Details are provided below, but if you’re ready to get started, open your Edge Pay account online or at one of our VSECU branches.

Id protect icon green IDENTITY PROTECTION

IDPROTECT® provides identity theft monitoring and resolution services for you and your joint account owners.1

  • REIMBURSEMENT: Get up to $10,000 identity theft expense reimbursement coverage1 for expenses associated with restoring your identity.
  • RESOLUTION: With fully managed identity theft resolution services, a dedicated fraud specialist helps until your identity is restored.
  • RECOVERY: Your identity theft recovery case plan provides information about the recovery process.
  • CREDIT MONITORING: Credit file monitoring3 offers daily monitoring and automated alerts of key changes to your credit report.
  • ID MONITORING: Identity monitoring of more than 1,000 databases and public records sniffs out suspicious activity.
  • CREDIT REPORTING: Enjoy daily access to a triple-bureau credit report and a single-bureau credit score.4
  • CARD REGISTRATION: With registration, reporting your cards lost or stolen is one toll-free call away.
  • NEWS & RESOURCES: Get online identity theft news and valuable phone and web resources.

Cell phone protection icon green CELL PHONE PROTECTION

Receive up to $400 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. or abroad.2

Health savings icon green HEALTH SAVINGS

Spend less with health discounts* on the following (and more):

  • Prescription drugs at the pharmacy or by mail order
  • Eyeglasses, contact lenses, and other retail eyewear items
  • Eye examinations and LASIK
  • Dental services and expenses, including routine and preventive care

*This is not insurance.


1. Open your account with $25.
2. Access your benefits by registering in Club Checking.
3. Pay for things and save!

*A $4.95 monthly subscription fee will be assessed at the end of the billing cycle. The more you use your card, the less you’ll pay—VSECU helps cover your account fee by giving you bonus savings on every purchase, up to $5 a month.

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.

1 Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.

2 Cellular telephone bill must be paid using eligible account.

3 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the certificate of insurance.

4 Credit file monitoring may take several days to begin following activation.

5 Credit Score is a VantageScore 3.0 based on single bureau credit data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.