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Personal Checking
Accounts

Our convenient checking services were designed to make your life easier. The chart below highlights the features and benefits included in our Personal Checking and Value Checking Plus accounts.

Stop by any branch or give us a call to get started. Membership is required. Not currently a member? Click here to learn more.

View our rates.

Personal Checking Account

Our personal checking account is a smart and easy way to manage your money with maximum flexibility. You can write all the checks you want and there are plenty of ways to access your account, including online banking, mobile banking, telephone banking and at the ATM.

Personal Value Checking Plus Account

For a low monthly service charge of just $5, our Value Checking Plus checking account includes all the benefits of our Personal Checking Account, plus special features that will save you money and give you peace of mind.

This account includes Benefits Plus, which will help you and your family do more and get more – for less! Discover all the value, service, security, and savings Benefits Plus offers or log into your Benefits Plus account here.

Value Checking Plus+

  • Green Checkmark
    Unlimited check writing
  • Green Checkmark
    Free debit card
  • Green Checkmark
    Free online banking and e-Statements
  • Green Checkmark
    Free bill pay when enrolled in e-Statements
  • Green Checkmark
    Free telephone banking
  • Green Checkmark
    Direct deposit and payroll deduction available
  • Green Checkmark
    Overdraft privilege (for qualifying members)
  • Green Checkmark
    Balances of $2,000 or more earn dividends
  • Green Checkmark
    No fee on cashier’s checks or money orders
  • Green Checkmark
    50% discount on safe deposit box rental* (1)
  • Green Checkmark
    Free duplicate checks
  • Green Checkmark
    Identity Theft Protection & Security Center with automatic Restoration Rescue®
  • Green Checkmark
    Discounts and cash rebates on travel services such as airfare, cruises, hotels and car rental* (2)
  • Green Checkmark
    Discounts at over 3,000 online merchants + cash-back rewards
  • Green Checkmark
    Gift card savings up to 15% on retail gift cards
  • Green Checkmark
    Quarterly Everyday, Everywhere cash rebates
  • Green Checkmark
    Health services discounts on vision, hearing and pharmacy
  • Green Checkmark
    Free Benefits Plus app available in the Apple and Google Play stores
  • Green Checkmark
    Insured up to $750,000* (3)

Value Checking Plus+

  • Green Checkmark
    Unlimited check writing
  • Green Checkmark
    Free debit card
  • Green Checkmark
    Free online banking and e-Statements
  • Green Checkmark
    Free bill pay when enrolled in e-Statements
  • Green Checkmark
    Free telephone banking
  • Green Checkmark
    Direct deposit and payroll deduction available
  • Green Checkmark
    Overdraft privilege (for qualifying members)
  • Green Checkmark
    Balances of $2,000 or more earn dividends
  • Green Checkmark
    No fee on cashier’s checks or money orders
  • Green Checkmark
    50% discount on safe deposit box rental* (1)
  • Green Checkmark
    Free duplicate checks
  • Green Checkmark
    Identity Theft Protection & Security Center with automatic Restoration Rescue®
  • Green Checkmark
    Discounts and cash rebates on travel services such as airfare, cruises, hotels and car rental* (2)
  • Green Checkmark
    Discounts at over 3,000 online merchants + cash-back rewards
  • Green Checkmark
    Gift card savings up to 15% on retail gift cards
  • Green Checkmark
    Quarterly Everyday, Everywhere cash rebates
  • Green Checkmark
    Health services discounts on vision, hearing and pharmacy
  • Green Checkmark
    Free Benefits Plus app available in the Apple and Google Play stores
  • Green Checkmark
    Insured up to $750,000* (3)

Regular Checking

  • Green Checkmark
    Unlimited check writing
  • Green Checkmark
    Free debit card
  • Green Checkmark
    Free online banking and e-Statements
  • Green Checkmark
    Free bill pay when enrolled in e-Statements
  • Green Checkmark
    Free telephone banking
  • Green Checkmark
    Direct deposit and payroll deduction available
  • Green Checkmark
    Overdraft privilege (for qualifying members)
  • Blue X Icon
    Balances of $2,000 or more earn dividends
  • Blue X Icon
    No fee on cashier’s checks or money orders
  • Blue X Icon
    50% discount on safe deposit box rental* (1)
  • Blue X Icon
    Free duplicate checks
  • Blue X Icon
    Identity Theft Protection & Security Center with automatic Restoration Rescue®
  • Blue X Icon
    Discounts and cash rebates on travel services such as airfare, cruises, hotels and car rental* (2)
  • Blue X Icon
    Discounts at over 3,000 online merchants + cash-back rewards
  • Blue X Icon
    Gift card savings up to 15% on retail gift cards
  • Blue X Icon
    Quarterly Everyday, Everywhere cash rebates
  • Blue X Icon
    Health services discounts on vision, hearing and pharmacy
  • Blue X Icon
    Free Benefits Plus app available in the Apple and Google Play stores
  • Green Checkmark
    Insured up to $750,000* (3)

Regular Checking

  • Green Checkmark
    Unlimited check writing
  • Green Checkmark
    Free debit card
  • Green Checkmark
    Free online banking and e-Statements
  • Green Checkmark
    Free bill pay when enrolled in e-Statements
  • Green Checkmark
    Free telephone banking
  • Green Checkmark
    Direct deposit and payroll deduction available
  • Green Checkmark
    Overdraft privilege (for qualifying members)
  • Blue X Icon
    Balances of $2,000 or more earn dividends
  • Blue X Icon
    No fee on cashier’s checks or money orders
  • Blue X Icon
    50% discount on safe deposit box rental* (1)
  • Blue X Icon
    Free duplicate checks
  • Blue X Icon
    Identity Theft Protection & Security Center with automatic Restoration Rescue®
  • Blue X Icon
    Discounts and cash rebates on travel services such as airfare, cruises, hotels and car rental* (2)
  • Blue X Icon
    Discounts at over 3,000 online merchants + cash-back rewards
  • Blue X Icon
    Gift card savings up to 15% on retail gift cards
  • Blue X Icon
    Quarterly Everyday, Everywhere cash rebates
  • Blue X Icon
    Health services discounts on vision, hearing and pharmacy
  • Blue X Icon
    Free Benefits Plus app available in the Apple and Google Play stores
  • Green Checkmark
    Insured up to $750,000* (3)

Checking Accounts

A checking account is a great tool to help you manage your money effectively and responsibly. It’s important to compare and understand the associated features, fees and requirements before opening an account.

View our Financial Empowerment program on Checking Accounts to learn about:

  • Checking account features
  • How checking accounts work
  • Debit cards vs. credit cards

Overdraft

Sometimes, we spend money without thinking about how it will affect our account balances, resulting in an overdraft fee.

Overdrawing your checking account creates unwanted fees that end up costing you more money. View our Financial Empowerment program on Preventing Overdraft Fees to learn about:

  • Consequences of overdrawing your account
  • Facts about unwanted overdraft fees
  • Tips on managing your account balances

Review our Schedule of Fees and Charges.

1Subject to availability. The contents of the safe deposit box are not insured by us or any government insurance program. Certain restrictions apply.

2VacationLand Federal Credit Union has selected Generations Gold, Inc., a fully independent third-party benefits provider, to provide travel and other discounted services directly to Benefits Plus® members. VacationLand Federal Credit Union assumes no liability for any of the providers in fulfilling their services. All liabilities, claims, damages, and demands are the sole and direct responsibility of Generations Gold, Inc. and its independent service or benefits providers. Discounts received through Benefits Plus® may not be used in conjunction with any other discounts. Benefits and services available through the Program are subject to change without notice. Not all plans and discounts are available in all areas. The descriptions herein are summaries only and intended for informational purposes only and do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. You can view the complete terms, conditions, exclusions and complete program details by visiting www.benefits-plus.org or by calling 1.866.329.7587. Generations Gold, Inc., is not insured by any Federal Government Agency. © 2016 Generations Gold, Inc. All rights reserved.

3All depository accounts are insured up to $750,000. The first $250,000 is provided by the NCUA Share Insurance Fund (NCUSIF). An additional $500,000 is made available through private insurance from Excess Share Insurance (ESI). This coverage is more than most financial institutions offer!