VCCU's Simply Checking Accounts come packed with perks!
No matter which account you choose, you can count on these big benefits.
Simply Checking Accounts
Our checking accounts offer convenience plus value.
Open an Account: Simply Checking Accounts Request an Appointment: Simply Checking Accounts
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30,000+ Surcharge-free ATMs |
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Mobile Check Deposit |
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Mobile Wallet - Apple Pay, Samsung Pay and Google Pay |
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Real-time Fraud Alerts |
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Tap & Go™ Contactless Payments |
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Early Payday Direct Deposit |
Simply Checking Comparison
Experience the difference of banking with a credit union that puts you first. Explore Ventura County Credit Union's checking account options and see which no-hassle checking fits your needs and lifestyle.
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Description |
Simply a no frills checking, done right Get Started |
Full-service checking without monthly fees Get Started |
Pays dividends* and no fee with qualifying balance Get Started |
A checking account that earns you points on everyday purchases Get Started |
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Min. Balance to Open |
$25 |
$25 |
$25 |
$25 |
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Monthly Service Fee |
$0 |
$0 |
$8 Waived with $2,500 avg. daily balance and within first 30 days of account opening |
$8 Waived with $1,500 avg. daily balance, or 8 debit card transactions within a month, and within first 30 days of account opening |
| Dividends Paid | - | - | ✔ (see current rates) |
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| Overdraft/ Courtesy Pay Access | - | ✔ | ✔ | ✔ |
| Zelle® | - | ✔ | ✔ | ✔ |
| Order Paper Checks | - | ✔ | ✔ | ✔ |
| Earns points on qualifying debit card transactions | - | - | - | 1 point per $3 spent** |
| Additional Features |  Certified by Bank On for meeting National Account Standards as a safe and affordable account |
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Speed, security and safety with debit Mastercard®
Mastercard offers too many benefits to count! From the Extended Warranty Insurance to its Zero Liability Protection and 24/7 Identity Theft resolution services. Plus, it's never been easier to use in stores and online with Mastercard's contactless payment options. See how a debit Mastercard can help simplify your life.
Check Reordering
You can conveniently order checks online, and they’ll arrive at your doorstep within 7 to 10 business days. All you need is a reorder ID or check and your next starting check number.
Notice: Due to supply chain disruptions, some products may have extended delivery times.We appreciate your patience and encourage you to check your order history through Harland Clarke for the status of your order.
VCCU is a full-service, Southern California credit union with branches in Ventura, Port Hueneme, Oxnard, RiverPark, Camarillo, Thousand Oaks, Simi Valley and Moorpark. If you live, work or attend school in Ventura or Santa Barbara Counties, you are eligible to join!
I became a member right as I turned 18 years old. It was a family tradition to open up an account at VCCU and one tradition I am happy to pass down.
Jasmine R., Oxnard
All accounts are subject to approval.
*Dividends are paid monthly based on average daily account balance. Rates are subject to change without notice. Other restrictions apply.
*Dividends are paid monthly based on average daily account balance. Rates are subject to change without notice. Other restrictions apply.
**Points earned on eligible debit card purchases. Cash advances, ATM withdrawals, fees, and balance transfers do not earn points. Exclusions and expiration rules may apply. See our Rewards program for more details.