Checking Accounts

Basic Checking
Enjoy easy access to your checking account and the freedom of no minimum balance.

  • Dividends paid on a balance of $150 or more
  • No monthly service charges

Lady balancing a checkbookElite Checking
Are you looking for even higher returns on your savings? With a minimum deposit of $2,500, you can open an Elite Checking Account and enjoy higher yields based on your average daily balance.

  • Unlimited check writing
  • No monthly service charges

Fresh Start Account
At VITAL FCU, we believe in second chances. If you’ve been denied an account at another financial institution because of bad credit for whatever reason, we want to help you and your family return your finances to good health with our Fresh Start Account.

  • No minimum balance
  • Non-interest bearing account
  • Mandatory direct deposit
  • Monthly fee of $15

Teen Checking
Time to put those basic skills to work! Our teen account, for ages 15 through 17, encourages learning more about personal finances.

  • Minimum $5 opening balance plus a $1 membership fee
  • Check writing and VISA Debit card

Discover more of what your Vital Federal Credit Union has to offer!

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Member Benefits

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Great Rates

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Mobile Banking

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Home Equity Loans

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Due to excessive fraud Florida and Ohio have been blocked for Visa debit card transactions. Please contact either branch for further details. Learn more