Checking Accounts

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

Join Visions now! Open a checking account online

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!

Explore debit card details

Additional Information

Direct deposit for payroll, Social Security, and more
Convenient transfers and deposits
In addition to accepting traditional deposits in branch and at ATMs, we also have a number of options to set up one-time or recurring automated transfers, deposits, and payments. Learn about deposits and transfers.
Enroll in digital banking for access to a range of convenient solutions:
- Set up one-time or recurring transfers using the Funds Transfer tool
- Send money to family and friends with Zelle®
- Make member-to-member transfers
- Use our Express Deposit feature for online and mobile check deposits
  ...and more!
Learn about digital banking.
Ordering new checks
Order checks however it's most convenient for you:
- Stop by your local office and request a box
- Select "Check Reorder" from within digital banking
- Call us at 800.242.2120
For convenient customizations and to explore hundreds of check designs, use the link in digital banking. Log in to your account from a web browser or the Visions FCU Mobile app.
1. Click on the Services menu then select Check Reorder.
2. Select your checking account and you will be directed to the Harland Clarke site, where you can opt for standard Visions checks or purchase boxes of your chosen, personalized design. Additional costs may apply.
Accessing a copy of a previous check

All of your cleared checks are listed in your checking account history in digital banking. Click on the transaction to view details and the check image. Your checking account history, including cleared checks, are available in digital banking for approximately one year prior to the current date.
You may also request a check copy at any Visions office, by calling our Contact Center at 800.242.2120 option 4, or through Live Chat in digital banking. A $2 fee is charged for all check copy orders that are requested from Visions. The copy will be mailed to you at the address listed on your account.
To view copies of checks paid using our online Bill Pay service, you must access Bill Pay in Digital Banking (found on the menu under Transfers/Payments) and follow the link to Visit Bill Pay site. Then, view your Payment History to find payment details and a copy of the check. A copy of the front and back of the check will be available only after the check has been cleared.
Requesting stop payments
How do I stop a check payment?
You may request a check stop payment at any Visions office, by phone with our Contact Center at 800.242.2120 menu option 4, or online while logged into digital banking.
A $30 fee is charged to place a stop payment on a check. All fees are subject to change. Speak with a representative to review our current Service Charge Schedule for more information on current service charges.
To request a stop payment in digital banking:
1. Log in and select Stop Payments, located under the Services tab.
2. Complete the digital form based on the known payment information.
How do I stop a Bill Pay payment?
To place a stop payment on a check that was issued through our online Bill Pay service:
1. Log in and open the Bill Pay service in digital banking.
2. Select "Visit Bill Pay Site" to access the full Bill Pay pages and menus. (On the app, select the Options button then visit Bill Pay site.)
3. Locate your payment in the Payment History.
4. Click the VIEW button to the right of the payment.
5. Next select the "Send a Stop Payment Request" button.
You may request a Stop Payment on any Bill Pay check that has not yet been cleared.
No fees are charged to stop payment on a Bill Pay check.
Resources – Overdraft coverage and special checking options
Review our Overdraft Coverage solutions, including our Readi Reserve line of credit, Overdraft Protection, and Standard vs. Extended Coverage.
Also available for your checking needs:

*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

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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.