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
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.
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.
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.
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.
Phone service provider
Satellite/cable TV company
Child support/court-ordered payments
Health club dues
Health insurance premiums
Internet service provider
Transfers to other savings account