Checking

Why Open A Checking Account?

Checking accounts are a fundamental component of personal finance, providing individuals with a safe and convenient way to manage their day-to-day finances. Essentially, a checking account acts as a financial hub, allowing account holders to deposit money, make payments, and access funds easily.

Checking accounts come with a variety of features, such as a debit card for purchases and ATM withdrawals, check-writing capabilities, and online and mobile banking services for effortless account management. Checking accounts offer flexibility and immediate access to funds, making them ideal for handling regular expenses, bill payments, and managing everyday transactions. Additionally, some checking accounts may offer the opportunity to earn dividends on higher balances, providing a small return on deposited funds. At Vital FCU, we offer a variety of checking accounts to suit any and all of your needs!

Basic Checking

Vital FCU’s basic checking account is a hassle-free and convenient way to way to access your funds with the freedom of no minimum balance requirements! Enjoy the ease of managing your finances without worrying about maintaining a specific balance.

Our basic checking account also comes with NO monthly service charges. With our basic checking account you will earn dividends with an average daily balance of $150.00. At Vital FCU, we believe in providing a transparent and straightforward banking experience!

Elite Checking

If you are looking to open a checking account with an even higher return on your money, then Vital FCU’s elite checking account is for you! Our elite checking account requires a minimum deposit of $2,500.00. You can open one of our elite checking accounts and unlock a range of benefits tailored to maximize the growth of your funds today!

With our elite checking account, not only do you get to enjoy higher yields based on your average daily balance, but you also get unlimited check writing, no monthly service charges, and tier dividend rates that can earn you more on your deposits! With Vital FCU, managing your elite checking account is a breeze! Maximize your returns and open an elite checking account with Vital FCU today!

Fresh Start Account

Our Fresh Start checking account is designed to offer you a new beginning and a pathway toward financial health. We understand that life can present challenges that can lead to below average credit history. At Vital FCU, we believe everyone deserves a fresh start, and we are committed to helping you rebuild your financial health.

With our Fresh Start checking account, there's no minimum balance requirement, providing you with the flexibility to manage your funds without the stress of maintaining a specific amount in your account. We want to make banking as accessible as possible.

Please note that the Fresh Start checking account is a non-dividend earning account. While you won't earn dividends on your balance, the focus is on providing you with a supportive and secure banking solution to reestablish your financial standing.

Perks of this account:

  • No minimum balance

  • Non-dividend bearing account

  • Mandatory direct deposit

  • Monthly fee of $15.00

Teen Checking

Our teen checking account at Vital FCU is the perfect stepping stone for young individuals aged 15 through 17 to start their journey toward financial independence and responsibility. We believe in empowering the next generation to learn about personal finances.

With our teen checking account, we want to make banking accessible and stress-free. There's no minimum balance requirement, allowing teens to manage their funds without worrying about maintaining a specific amount in the account. This flexibility provides a great opportunity for them to learn about budgeting and saving.

We are committed to helping young individuals build a strong foundation in finance, and that's why our teen checking account has no maintenance fees. We want to encourage financial literacy without burdening them with unnecessary charges.

For added security and guidance, we require that a parent or legal guardian be a joint account holder. This ensures that both the teen and their parent/guardian have visibility into the account's activities, promoting open communication about money management.

As part of the teen checking account package, teens will receive a Visa® Debit Card designed exclusively for their use. This card is a powerful tool to teach responsible spending habits while providing convenience and security for day-to-day transactions. Rest assured that spending limits can be set to ensure financial safety. To open a teen checking account, teens must provide a valid state-issued ID and a Social Security card.