Checking Accounts Overview

To manage your money, you need a checking account that supports your unique spending habits and safeguards your funds. Both our Basic and Edge Pay accounts provide access to ATMs, Online Banking, and Mobile Banking. Choose an account that helps you reach your goals and complements your lifestyle.


  • Perfect for members who want a no-frills account, like to write checks frequently, and need access to an overdraft line of credit.
  • This is an interest-bearing account.
  • Doesn’t charge monthly maintenance fees.
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  • Great for members who like to use their debit card to pay for things and who want to stay on budget and avoid extra fees.
  • Offers automatic round up savings with a monthly bonus match from VSECU.
  • Provides identity and cell phone protection along with wellness savings.
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Are you ready to open your account? Click here to start the application process.


Basic Checking: Edge Pay Checking:
Minimum Opening Balance $25 $25
Interest-Bearing Account 0.00% No
Bonus Deposit to Savings Account No Yes—up to 50% of monthly round-up with a $5 cap
Insufficient Funds Fee $28 No
Overdraft Protection Available Yes No
Paper Account Yes—checks and monthly paper statements No—must opt into eStatements to avoid a paper statement fee
Additional Account Benefits No Yes—IDProtect®, cell phone protection, and health discounts
Monthly Fee No $4.95 monthly subscription fee
View Account Terms and Fee Schedule