Checking Accounts

Not all checking accounts are created equal. That's why we offer a variety of checking accounts to meet your individual needs no matter what age you are or what stage of life you're in.

There are plenty of benefits that accompany our checking accounts such as no minimum balance (Value Checking Account), overdraft protection with no fees (drafted from your savings account), convenient Direct Deposit and/or Payroll Deduction and a Mastercard Debit Card to access your money whenever you need it. Additionally, you'll always have access to your accounts with Access-24, our automated telephone banking system, and VisionNet 24, our Online Banking service.   

You're sure to find the perfect checking account for you that will suit your needs and provide you with the features that you want. You can click on each checking account for more information.

We're sure that you'll find one that's just right for you. Ask a Member Service Representative for more information on these products.

Value Checking Account

Our Value Checking Account is a great basic checking account for anyone and everyone. There is a $4 monthly fee.

Features:

  • No minimum balance is required.
  • You will have overdraft protection available from your Share Account.
  • You can also apply for an Overdraft Line of Credit.
  • Unlimited check writing capabilities are included.
  • You can apply for our MasterCard Debit Card so you can always access your money; be it for purchases or ATM withdrawals.

To open your account, simply visit one of our convenient locations or contact a member service representative and we'll handle the rest.

Dividend Checking

Members who have our Dividend Checking Account, and maintain at least a $500 average daily balance, will be paid dividends on their account. As always, you can use Direct Deposit and Payroll Deduction to make things easier for you and you'll always have access to your accounts with Access 24, our automated telephone banking system, and VisionNet 24, our Online Banking service. There is a $7 monthly fee if a daily balance of $300 is not maintained.

Features:

  • Your dividends are paid quarterly.
  • You will receive a FREE starter check and if you are a Senior, age 60 or over, you receive one box of FREE checks per calendar year.
  • Overdraft protection comes from your savings account.
  • Apply for our Overdraft Line of Credit if you want more protection than just your savings account.
  • You have unlimited check writing capabilities from your checking account.
  • Apply for your Vision Financial Mastercard Debit Card.

To open your account, simply visit one of our convenient locations or contact a member service representative and we'll handle the rest.

Premier Checking

Free Checking is Here!

All you have to do is meet the following requirements:

It’s that simple. With a Premier Checking account, you will enjoy the convenience of:

  • Overdraft Protection from your Savings Account
  • You may apply for an Overdraft Line of Credit if you would like some extra protection
  • Unlimited check writing capabilities
  • No monthly service fee!*”

To open your account, simply visit one of our convenient locations or contact a member service representative and we'll handle the rest.

*If you do not meet the three requirements above, you will incur a $7 charge per month for this type of checking account.

Senior Checking

Our members ages 60 and over will receive a checking account that is completely FREE. This is not a basic account with basic features. This is the normal Dividend Checking Account that you had before you turned 60. There are a lot of great benefits to being a senior and FREE Checking is just one of them.

Features:

  • Your dividends are paid quarterly.
  • You will always receive one box of FREE checks per calendar year.
  • Overdraft Protection is provided from your Savings Account.
  • You may apply for an Overdraft Line of Credit if you would like some extra protection.
  • You will always have unlimited check writing capabilities.
  • You can apply for a Mastercard Debit Card so that you can make purchases anytime by simply swiping your card. This card can also be used at ATM's to make cash withdrawals.

To open your account or for more information, simply visit one of our convenient locations or contact a member service representative and we'll handle the rest.

Reminder: You must let us know as soon as you turn 60 in order to receive the senior benefits. We are not able to issue credits for members who inform us after their 60th birthday.

Student Checking

The Student checking account is absolutely FREE for our members that are enrolled in school full time. The account provided to you, FREE of charge, is our Dividend Checking Account with all the features and benefits that accompanies it.

Features:

  • Your dividends are paid quarterly.
  • You will receive one box of FREE checks per calendar year as long as you are in school full time.
  • Overdraft Protection is provided from your Share Account.
  • You may apply for an Overdraft Line of Credit if you would like some extra protection.
  • You will always have unlimited check writing capabilities.
  • You can apply for a MasterCard Debit Card so that you can make purchases anytime by simply swiping your card. This card can also be used at ATMs to make cash withdrawals.

To open your account*, simply visit one of our convenient locations or contact a member service representative and we'll handle the rest.

*Once approved, a school ID or school schedule is required for validation.

Military Checking

The Military checking account is absolutely FREE for current and retired members of the military, provided you are eligible for membership at Vision Financial FCU. The account provided to you, FREE of charge, is our Dividend Checking Account with all the features and benefits that accompanies it.

Features:

  • Your dividends are paid quarterly.
  • You will receive one box of FREE checks per calendar year.
  • Overdraft Protection is provided from your Share Account.
  • You may apply for an Overdraft Line of Credit.
  • You will always have unlimited check writing capabilities.
  • You can apply for a Mastercard Debit Card so that you can make purchases anytime by simply swiping your card. This card can also be used at ATMs to make cash withdrawals.    

If you're already a member, just fill out the Account Change Form to apply for your checking account. If you're not a member yet then just fill out the Membership Application to take advantage of FREE checking and all of our other exceptional products and services.

Ask a Member Service Representative for more information!

If your individual needs change and you’d like to take advantage of another checking account that will better suit your lifestyle, please contact one of our branches so that we can better serve you.

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Membership

Our members are part owners and have a say in how the credit union is run. Stop by any of our branches today and join VFFCU and experience our philosophy of “Member Owned – Value Driven.”

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Bank Your Way

Having the flexibility to access your account whenever and wherever you need it with online and mobile banking is important. Whether you’re across town or across the country, your accounts are always at your fingertips, 24/7.

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Vision Financial Federal Credit Union
214 Pacific Avenue
PO Box 15818
Durham, North Carolina 27704
Phone: (919) 477-0696
        or (800) 235-8455
Fax: (919) 471-8211
Routing Number: 253175517

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