Simply Checking Accounts

Our checking accounts offer convenience plus value.

Open an Account: Simply Checking Accounts Request an Appointment: Simply Checking Accounts

VCCU's Simply Checking Accounts come packed with perks!

No matter which account you choose, you can count on these big benefits.

ATM icon 30,000+ Surcharge-free ATMs
Mobile Check Deposit icon Mobile Check Deposit
Mobile Wallet Icon Mobile Wallet - Apple Pay, Samsung Pay and Google Pay
Fraud Alerts icon Real-time Fraud Alerts
Tap and Go icon Tap & Go™ Contactless Payments
Early Pay - Get paid faster icon 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 California lifestyle, then open your account today!

  Simply Essential Checking Logo Simply Classic Checking Logo Simply Earn Checking Logo


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

Min. Balance to Open




Monthly Service Fee



$8 with eStatements, $11 without eStatements

Waive Monthly Service Charge



$2,500 average daily balance, waived in first 30 days of account opening

Dividends Paid - - ✔ 
(see current rates)
Overdraft/ Courtesy Pay Access -
Zelle® -
Order Paper Checks -
Additional Features
Certified by Bank On for meeting National Account Standards as a safe and affordable account




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, 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.

**Monthly service fee is waived with  an average daily balance of $2,500 or more. No fee will be assessed in the first 30 days of account opening.