Flexible checking account options to fit your needs.


We all use our checking accounts differently, from purchases to direct deposit and everything else in between. That’s why here at Visions, we believe in offering options designed for what matters to you.

Looking for something simple and reliable? Our Flex Checking account has no minimum balance or deposit requirements – just use your money however you want, wherever you want.

Speaking of wherever you want, our Flex Checking Plus is perfect for travelers, reimbursing ATM fees and saving you big when you’re out of town. Not only that, it rewards you for building your savings, too, earning you dividends on your deposits – and a whole lot more.

woman using the express deposit service

Types of Checking Accounts

Flex Checking – Convenient, reliable, affordable.


  • No monthly service charge
  • No minimum balance requirement
  • Unlimited check writing
  • No dividends
  • Once per calendar year, (1) box of standard checks at no charge
  • Available in a Health Savings Account (HSA) option

Plus, access to our perk-packed debit card!

Flex Checking Plus – More benefits. Less cost.


  • Dividends on all balances
  • Unlimited refunds on non-Visions ATMs
  • Free overdrafts from savings
  • Free 3x5 safe deposit box (where available)
  • Free official checks and money orders
  • Free wire transfers
  • Free stop payments on personal checks

The best part? It's all only $8 per month – and you may already qualify to have that waived!**

Plus, if you already have a Flex Checking account then you can upgrade without changing anything! That's right – your checks and debit cards stay the same, your number doesn't change, and all of your payments and deposits go on as usual – just with a lot more benefits.

Plus, no matter which option you choose, all our accounts feature:

  • 24/7 access online, over the phone, at the ATM, and on your device
  • Overdraft Protection
  • VISA® Debit Card

Additional Information

Direct Deposit

  • Provide your employer with your account number and Visions routing number: 221375378
  • Go to ClickSWITCH to change your existing direct deposit online – all in 60 seconds or less

Debit Cards

Transferring Funds

  • Member-to-member transfers in digital banking
  • Send money to family and friends with Zelle®, wherever they bank in the U.S.

Ordering New Checks

  • Stop by your local office and request a box
  • Select "Order Checks" from within your online banking account

Overdraft Coverage

  • To learn more about our overdraft options, click here


**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.

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