Checking FAQ
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Checking Account Overdraft Protection
Members may be able to utilize one or any combination of our three overdraft services to help cover personal checks, debit card transactions, automated payments, and more.
Services include:
- Overdraft Protection
- Our Readi Reserve line of credit
- Overdraft Privilege – Standard or Extended Coverage
Learn more about our overdraft coverage.
Apply for Overdraft Protection with a Readi Reserve Line of Credit
Visions offers overdraft protection for personal checking accounts in the form of a line of credit. Up to an approved limit, the Readi Reserve line of credit can cover all overdraft situations in the checking account with no fees and may also be borrowed against for any purpose.
The limit ranges from $500 to $20,000 and will add a level of comfort in the event that you cannot make a transfer or deposit to the checking account. If approved, the Readi Reserve would be placed on your account and overdraft transfers are automated to cover charges as needed. If the line of credit is not used, no fees are charged. If the line of credit is utilized, you may pay back the balance with monthly payments or with a lump sum payment.
A loan application must be submitted to request the Readi Reserve, and you may apply at any branch location, online while logged into your account, or by phone with our Contact Center at 800.242.2120. -
How do I order checks?
Ordering checks with Visions is easy! Follow the steps below to get started:
- Log in to your Digital Banking account or open the Visions mobile app.
- Click on the Services menu then select Check Reorder.
- Select your checking account and you will be directed to the Harland Clarke site to complete your order.
You may also reach out to our Member Services for assistance at 800-242-2120 menu option 4 or stop by any branch locations, with proper ID.
Members with our Flex checking receive one free box of plain blue checks each year. When ordering, as long as the order is placed with no customization, and standard shipping is selected, the order should be processed free of charge.
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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 your Visions Digital Banking account.
To request a stop payment through your Digital Banking account:- Log in to your Digital Banking account.
- Open the Select Options box to the right of your checking account
- Click Stop Payments to proceed.
A $30 fee is charged to place a stop payment on a check.
All fees are subject to change. Log into your Online or Mobile Banking account to view our Service Charge Schedule for more information on current service charges.Stop Bill Pay Payment
To place a stop payment on a check that was issued through our online Bill Pay service:
- Log in to your Digital Banking account.
- Enter your Bill Pay service.
- 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.)
- Locate your payment in the Payment History.
- Click the VIEW button to the right of the payment.
- 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.
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How do I view a copy of a check in Digital Banking?
All of your cleared checks are listed in your checking account history in Digital Banking. Select 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.