Checking Accounts
Flexible checking options with a Visa® debit card to fit your needs.

Looking for something simple and reliable?
Flex Checking has no required balance or monthly service fee – just use your funds however you want, wherever you want.
Speaking of wherever you want...
Flex Checking Plus is perfect for travelers, reimbursing Non-Visions ATM fees and saving you big when you’re out of town. Plus, it earns you dividends on your deposits – and a whole lot more.
Whether it's with Flex Checking or Flex Checking Plus, enjoy 24/7 convenience and secure payments with a complimentary Visa® debit card. Open your checking in digital banking, over the phone at 800.242.2120, or at your local branch.
Choose the checking that's right for you
Open your new checking account in digital banking, over the phone at 800.242.2120, or at your local Visions branch.
Not a member, yet? Click here to join!

Flex Checking
Convenient, reliable, affordable.
· No monthly service charge
· No minimum balance requirement
· Unlimited check writing
· Complimentary Visa® debit card
· No dividends
Ask about a tax-advantaged Health Savings Account (HSA), also available as Flex Checking!

Flex Checking Plus
More perks, more savings.
· Unlimited refunds on non-Visions ATMs
· Free official checks, money orders, and wire transfers
· Free stop payments on personal checks
· Complimentary Visa® debit card
· Dividends on all balances
The best part? It's all only $8 per month – and you may already qualify to have that waived!*
Upgrade from Flex Checking to Flex Checking Plus with no hassle!
That's right, your checks, debit cards, and number don't change, plus any of your payments, transfers, and deposits can continue as usual – just with a lot more benefits.
Whichever you choose, all our checking accounts feature:
· 24/7 access at ATMs, over the phone, in digital banking, or at your local Visions branch and shared branch locations
· Overdraft Protection and optional coverage – ask about our Readi Reserve!
· A variety of check options with customizations available
· Complementary Visa® debit card, featuring:
· Tap to Pay convenience
· Fraud protection
· Visa® Purchase Alerts
· Card Controls available in digital banking
...and your choice of debit card design!

Additional Information
- Direct deposit for payroll, Social Security, and more
- Convenient transfers and deposits
- Ordering new checks
- Accessing a copy of a previous check
- Requesting stop payments
- Resources – Overdraft coverage and special checking options
*Flex Checking Plus: requires $1,000 minimum account balance or $25,000 in combined consumer deposit/loan balances at all times to avoid $8 monthly service charge. Fee waiver also available for veteran service members and their spouses; proof of service required for Veterans Program waiver and must be shown at account opening.
Savings and Checking Articles

The SMART Approach to Savings
What’s your next big savings goal? Whether it’s a trip to the mountains, a down payment for new home, or an extra month of emergency savings, it’s always a good idea to set a “SMART” savings plan to keep your budget on track. Every SMART approach should be: Specific, Measurable, Attainable, Relevant, and Time-Bound.

Your Debit Card for Daily Spending
Why debit beats cash, checks, and credit! Accounting for nearly a third of all consumer transactions in the US, debit cards are used more than cash, checks, and credit cards. That shouldn't come as a surprise, though. While they've been popular for decades, debit cards have advanced with technology to make transactions faster, more secure, and easier to track.

Share Insurance from NCUA
As your credit union, we’re your financial steward, advocating for your financial well-being and protecting the assets you’ve entrusted to our care.