We realize one checking account won’t work for everyone. That’s why we’ve got choices. Great choices.
| Free Checking | Interest Checking5 | Medallion Checking6 | MEGA Checking7 | |
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| Account Overview | Our basic checking account gives you unlimited check-writing with no monthly maintenance fee or balance requirement. | Earn interest and still have access to funds while keeping a low minimum balance. | If you’d like to make your banking even more “interest” - ing, this checking account pays a competitive rate and offers many FREE services. | Our best checking account powers up your banking with a market-leading interest rate and plenty of FREE services, including no ATM fees anywhere and no overdraft fees — no kidding! Learn more now. |
| Minimum Opening Deposit | $100 |
$100 |
$100 |
$100 |
| Minimum Daily Balance to Avoid Monthly Maintenance Fee | None |
$1,000 |
$15,000 average daily combined personal deposit relationship |
$10,000 average in MEGA Checking or $50,000 combined personal deposit relationship |
| Balance Earns Interest |  |
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| Eligible for Rewards Rate1 | |
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| FREE Visa® Check Card with ScoreCard® Rewards | |
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World-wide ATM Usage |
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NO FEES at all. If another bank charges you a fee, we refund it. |
| FREE Online Banking, Bill Pay and eStatements |
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| FREE Mobile Banking3 | |
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| Overdraft Protection Available Via: - Auto Account Transfer - Line of Credit4 |
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| Safe Deposit Box (subject to availability) |
Fee varies with box size |
Fee varies with box size |
FREE 3x5 |
FREE 3x5 |
| FREE Notary Service | |
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| Discounts on Loans with Direct Debit Payments | |
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| FREE Custom Checks (select styles) |
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| Bonus Rate on CDs | .10% on new CDs |
.10% on all new CDs |
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| Fee-FREE Overdraft Processing | |
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| Fee-FREE Cashier’s Checks | |
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| Fee-FREE Traveler’s Checks (checks-for-one only) | |
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| Fee-FREE Domestic Wire Transfers |
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| Fee-FREE Stop Payments | |
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| Fee-FREE Deposit Corrections and Returned Items | |
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| Discounts on VCB Residential Mortgages | |
Reorder your checks easily online.
Please read our Bank Services Agreement or our Schedule of Fees. For additional information about eStatements, please visit our eStatements page. Take advantage of our consistently high Deposit Rates and experience outstanding customer service today; call (877) 822-5015 or use our locator to find a branch convenient to you. |
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1. At a higher rate based on the current market, the Rewards Rate applies when 5 or more transactions are completed and posted to the account during the monthly statement period. Returned items, interest, maintenance fees and service fees do not qualify towards this condition.
2. VCB does not assess fees for usage at any ATM. Other financial institutions/ATM operators may assess fees for using their ATMs; these fees are waived for MEGA Checking accounts.
3. VCB does not charge a fee for VCB Mobile Banking. Your wireless carrier may charge you for data usage and text messaging services. Please check with your wireless carrier for more information about which text or data plans are available to you.
4. Overdraft lines of credit are subject to approval.
5. Interest Checking. A balance of $1,000 or greater must be maintained to avoid a $10 monthly maintenance fee. This is a variable rate account, and the Annual Percentage Yield (APY) may change after account opening. APY may be obtained with any positive account balance. However, fees may reduce earnings, where applicable. Ask for complete details.
6. Medallion Checking. A combined personal deposit relationship of $15,000 must be maintained to avoid a $12 monthly maintenance fee. This is a variable rate account, and the Annual Percentage Yield (APY) may change after account opening. APY may be obtained with any positive account balance. However, fees may reduce earnings, where applicable. Free notary service is for customers only. Bonus Rate on CDs excludes no-penalty CDs, MEGA CDs and promotional offers or promotional CDs. Ask for complete details.
7. MEGA Checking. A $10,000 average personal checking account balance or a combined personal deposit relationship of $50,000 must be maintained to avoid a $25 monthly maintenance fee. This is a variable rate account, and the Annual Percentage Yield (APY) may change after account opening. APY may be obtained with any positive account balance. However, fees may reduce earnings, where applicable. Free notary service is for customers only. Bonus Rate on CDs is already reflected with MEGA CDs and does not apply to promotional offers. Limit one MEGA Checking account per household. Ask for complete details.
