Keep your money local — use it worldwide

After all, it’s smart to put your money someplace safe and sound, like VCCU.

Of course, you also want your checking account to give you value, and be easily accessible whenever and wherever you need it.

  • No monthly service fees with no strings attached or balance requirements
  • Free Debit/ATM card
  • Free Quest Home Banking
  • Free Quest Bill Pay

Convenient overdraft options

Courtesy Pay is an overdraft privilege for your checking account that allows checks to clear, up to your limit, even when there's not enough in the account. A small Courtesy Pay fee applies for each item paid. To opt-in for coverage, click here

28,000 free ATMs nationwide

Including 5,500 in 7-Eleven stores. You can also use our local mini-network of free ATMs throughout Ventura County. 

It’s easy to open a FREE checking account

Step 1

Complete an application

Complete an online application or click here for an application to complete, print, sign then return it to any VCCU office, or mail it to: PO Box 6920, Ventura, CA 93006-6920.



Step 2

Direct deposit change notification

If your direct deposit is going to another financial institution, use our Direct Deposit Form to tell your employer or government agency that you want your money sent to your VCCU checking account.


Change your Social Security deposit by phone

Call Social Security at 800/ 772-1213. 



Step 3

Notify automatic payment vendors

Complete an Automatic Payment Form for each current payee.

Be sure vendors deducting direct payments from your current checking account know they should begin deducting from your VCCU checking account.

Important tips

Keep your current accounts open

Until your automatic payments and direct deposits changes are effective. We recommend keeping at least $200 in your current account to cover any outstanding checks.

Make a list of automatic payments

Use your current checking account statement to see which businesses are receiving automatic payments from you, then use our Automatic Payment Form to make changes.


Electric company
Gas company
Phone service provider
Satellite/cable TV company
Water/trash company


Auto loan
Child support/court-ordered payments
Homeowners association
Health club dues
Health insurance premiums
Internet service provider
Mortgage company
Transfers to other savings account