VCCU Checking

Imagine free checking. Imagine no per check charges. You're not dreaming. You're at VCCU. When you switch to Totally Free Checking there are no monthly service fees, no per check charges, no hassle. VCCU checking includes worldwide Debit/ATM access and free 24/7 online account access. For a complete schedule of fees, click here.

Second Chance Checking

We also offer a Second Chance Checking account for members who may not be able to open an account due to ChexSystems reporting. Please stop by any VCCU office or call us at 805.477.4000 to begin. For fees, click here.

Overdraft Protection

Avoid "bounced checks" with your choice of automatic overdraft protection options. Choose the order in which they are applied to minimize fees.

An AdvantageLine loan can be linked to your checking, savings or other VCCU accounts for no-fee convenience and a personal line-of-credit. Interest is only charged on the amount you owe.  

Savings to Checking Automatic Overdraft -  If your checking account is overdrawn, available funds from your savings account are automatically transferred to cure the overdraft. A fee of $2 per transfer will be assessed to your account for this automatic service. To avoid the fee, you can log on to your Quest Home Banking or mobile banking account, call Telephone Teller or complete the transfer "manually" through an ATM anytime. During normal business hours, you also have the option to speak with a Member Service representative in a branch or Call Center to transfer funds free of charge.

Courtesy Pay overdraft privilege. For a fee of only $29.00 per item, Courtesy Pay covers overdrafts to a total of up to $1,000 ($500 minimum) including Courtesy Pay fee. This helps you avoid additional bounced-check or late payment fees on returned checks or drafts. Coverage for ATM or point-of-sale purchases is available if member opts-in. Overdraft privilege is available automatically to all members in good standing. Member has 30 days to bring account balance positive. No application is necessary.*

To opt-in for coverage, click here.

*The Courtesy Pay  privilege program is a courtesy and is not an extension of credit. Overdraft privilege is not available for ATM withdrawals or PIN-generated debit transactions unless member has opted-in.

For more details on all of your options, please click here or call Ventura County Credit Union at  805/ 477-4000.

Youth Checking

Checking accounts for youth who are at least 14 years old. Requirements include having an adult family member as a joint account signer and a Social Security number.

It’s easy to open – bring a Social Security card and a picture ID – driver’s license or local school issued identification to any VCCU office. ATM/Debit cards are available with approval. Other qualifications and overdraft limitations apply.

Zeal Checking

Enjoy the Perks...With Zeal Benefits

Our special program, for members 55 years of age or older, comes with BENEFITS PLUS membership and gives you the extras you deserve. It's our way of saying "thank you" for coming to us for your car and home loans, trusting us with your savings and counting on us for your day-to-day financial services. Every Zeal checking account comes with no minimum balance or direct deposit requirements, plus NO monthly fee, FREE debit/ATM card, NO per check charges and more...

Special Checking

When you need to set up a special account for a particular category of expenses, VCCU understands. Whether it's a separate account for household expenses, educational costs, paying credit cards, or whatever, we're here to help.

Online Check Ordering

Order your checks online! Use our online ordering system to order checks for your VCCU Checking account. It's easy to do and the checks will arrive at your home in 7-10 business days. You need to have your Reorder ID or a check handy and know your next starting check number. For a reorder of checks, please click here. For further assistance in ordering checks, please call or visit VCCU.


What could be more convenient than an ATM? Because of our mini-network with other local credit unions, you can use their ATMs fee-free. With locations in Ventura, Oxnard, Camarillo, Thousand Oaks, Simi Valley,  Port Hueneme and on Military Bases, there's bound to be one of our no-fee ATMs near you! Of course, you can use any other ATM on the Plus, Star, CO-OP, Cirrus and American Express networks. When you use an ATM outside of the mini-network, there is no VCCU fee for the first five transactions per month. A small fee will be charged for each transaction in excess of five per month.

Make deposits at most VCCU, Pacific Oaks, CBC Federal Credit Union and many CO-OP Network ATMs. Click here for more than 28,000 nationwide ATM locations. You can withdraw up to $500 per business day from your checking or savings account. Some ATMs also allow you to transfer funds within your accounts.

Check 21

VCCU has created a Question and Answers brochure about the Check Clearing Act of the 21st Century, commonly known as Check 21. Essentially the act allows financial institutions to make check processing faster by using an electronic image of the check, or substitute check, to replace your original paper check. Where paper checks used to take several days to clear due to mailing, a substitute check could clear as quickly as a few hours. Click here to view the brochure, or give us a call if you want to know how Check 21 might affect your check writing habits. We are here to help. The Federal Reserve also has information about Check 21 online.

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