We realize one checking account won’t work for everyone. That’s why we’ve got choices. Great choices.

Would you like help deciding which VCB checking account is right for you? Answer a couple of simple questions about the way you bank, and we’ll suggest the best account to fit your needs.

	Free Checking	Interest Checking3	Medallion Checking4	MEGA Checking5
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 personal checking account pays a competitive rate and offers many FREE services.	Our premier 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	0	$1,000	$15,000 combined personal deposit relationship	$10,000 average in MEGA Checking or $50,000 combined personal deposit relationship
Balance Earns Interest
FREE Visa® Check Card with ScoreCard® Rewards
World-wide ATM Usage at VCB and non-VCB ATMs1	Plus no VCB fees world-wide	Plus no VCB fees world-wide	Plus no VCB fees world-wide	Plus no VCB or non-VCB fees world-wide…really!
FREE Online Banking with FREE Bill Pay
FREE eStatements
Overdraft Line of Credit2  with No Annual Fee
Safe Deposit Box	Fee varies with box size	Fee varies with box size	Free 3x5 Discounts for larger sizes	Free 3x5 Discounts for larger sizes
FREE Notary Service
FREE Telebanking
Discounts on Loans with Direct Debit Payments
FREE Custom Checks
Bonus Rate on CDs			.10% on new standard CDs	.10% on all new CDs
Fee-FREE Cashier’s Checks
Fee-FREE Traveler’s Checks
Fee-FREE Domestic Wire Transfers
Fee-FREE Stop Payments
Fee-FREE Deposit Corrections and Returned Items
Discounts on VCB Residential Mortgages and Personal Loans
Discounts on VCB Residential Mortgage Closing Costs

Reorder your checks easily online.

Please read our Bank Services Agreement or our Schedule of Fees. For additional information about eStatements, please click on our eStatements page. Take advantage of our consistently high Deposit Rates and experience outstanding customer service today; call (877) VCB-5015 or use our locator to find a branch convenient to you.

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^1. 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.
^2. Overdraft lines of credit are subject to approval.
^3. Interest Checking. A balance of $1,000 or greater must be maintained to avoid a $10 monthly maintenance fee. APY may be obtained with any positive account balance. However, fees may reduce earnings, where applicable.
This is a variable rate account; the Annual Percentage Yield (APY) may change after account opening.
^4. Medallion Checking. A combined personal deposit relationship of $15,000 must be maintained to avoid a $12 monthly maintenance fee. APY may be obtained with any positive account balance. However, fees may reduce earnings, where applicable. This is a variable rate account; the APY may change after account opening. Free custom checks apply to the Bank’s medallion style only. Fee-free traveler’s checks applies to checks-for-one only. Free safe deposit box is subject to availability. Free notary service is for customers only. Ask for complete details.
^5. 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. APY may be obtained with any positive account balance. However, fees may reduce earnings, where applicable. This is a variable rate account; the APY may change after account opening. Limit one MEGA Checking account per household. Ask for complete details.

Member FDIC.