Member Services

Direct Deposit

Direct deposit is a safe, convenient option for VITAL FCU members who want to:

  • Spend less time making deposits at the credit union
  • Have quicker access to earned income, including social security checks
  • Avoid the risk of losing or misplacing a paycheck

Download a [lightbox href=”,+SC+29305&RoutingNum=253279785″ iframe=”true” width=”700″ height=”500″]direct deposit form.[/lightbox]

Payroll Deduction

Payroll deduction is an easy, secure and sensible way to pay yourself first by adding regularly to your VITAL Savings account. You’ll be surprised how quickly your savings add up!

Simply designate the amount of money you would like deducted from each paycheck. Your employer handles the transaction automatically and sends the money directly to VITAL FCU to be deposited to your share savings account, checking account or IRA.

BALANCE Financial Fitness Program

VITAL FCU is dedicated to helping you realize your financial goals – reducing your debt, saving for higher education, buying your first home, or planning for retirement. Through the BALANCE Financial Fitness Program, you have access to free, unbiased money management information and assistance. BALANCE counselors can answer many of your questions immediately – from how long an item stays on your credit report to whether it’s better to lease or buy a car. For more complex issues, such as debt elimination or budget development, an appointment will be scheduled – giving you the personal attention you need to meet your objectives.

To take advantage of this program, simply call 888-456-2227 or visit for more information. Counselors are available Monday through Thursday, 5:00 a.m. to 8:00 p.m. (PST), Friday, 5:00 a.m. to 5:00 p.m. and Saturday, 8:00 a.m. to 5:00 p.m.

Wire Transfers

To send a wire transfer, you need to provide VITAL FCU with the following information for the wire destination:

  • The full name and account number of the beneficiary
  • The required bank information of the beneficiary
  • A U.S. correspondent bank for all international wires

If you have any other questions about sending or receiving a wire transfer through VITAL FCU, call 864-699-5940 or 888-222-0313.

Other Member Services Include:

  • Safe deposit boxes (located at our Asheville Highway branch. Please contact our 1000 Asheville Highway Spartanburg, SC 29303 location for details)
  • Notary Service
  • Certified Checks

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


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