Free Checking Accounts

A VCCU checking account is like an extension of your wallet, but better. It gives you easy, hassle-free access to your cash when you need it and keeps it safe for you in the meantime. Plus, with no monthly service fees and no per-check charges, it’s totally free to get started!

Our checking accounts also come with 24/7 online account access, overdraft protection, and worldwide debit and ATM access. To open your account, visit one of our branches or call 805.477.4000.

In addition to standard checking accounts, we offer:

  • Youth Checking Accounts

    Minors who are at least 14 years old may qualify for one of our youth checking options. To apply, youth should visit a VCCU branch and be sure to bring their Social Security card, their photo ID (either a school ID or driver’s license) and an adult family member who can be a joint signer on the account.

  • Zeal Checking

    Zeal checking accounts are included as part of the Benefits Plus membership we offer for those ages 55 and over. In addition to standard VCCU checking account benefits, Zeal accounts come with special perks, like no minimum balance and no direct deposit requirements, to make your life even easier.

  • Specialized Checking

    Your checking account doesn’t have to be one-size-fits-all. If you need a special account for a particular group of expenses, such as household items, educational costs, credit card payments or anything else, we’re here to help.

For more information on what’s included with your free checking account and what costs extra, please review our checking account fees.


Check Ordering

Running out of checks? You can conveniently order checks online, and they’ll arrive at your doorstep within seven to 10 business days. All you need is a reorder ID or check and your next starting check number. 


Check 21 Act

The Check Clearing for the 21st Century (Check 21) Act, allows financial institutions to process checks faster by using an electronic image of the check or a substitute check to replace your paper check. Previously, mailing your original paper check would cause a delay, but with Check 21 in place, checks can now be cleared in just a couple of hours.

If you have questions about Check 21 or how it affects you, please give us a call. The Federal Reserve also provides additional information on Check 21 that you may find helpful.

  • Equal Housing Lender
  • NCUA
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.