Checking Accounts

You have to have one...why not get a checking account that is simple and fits your lifestyle?

Thrifty

The basic, no-frills checking
account. Perfect if you
want a simple,
hassle-free account
with no minimum balance.

Branchless

You don’t need a store
to spend money…or a branch
to manage it. This “on-the-go”
account rewards you for
using automated services and gives you the opportunity
to earn interest.

Fresh Start

Because you deserve a fresh
start on your financial future. Establish your credit while enjoying the basic checking benefits you need.

Interest

This better-than-basic checking account earns interest with a low minimum balance.

Preferred

Maximize your yield with
added benefits

Dominion

Special money-saving
benefits for members who
are 50+ or retired.

cuSaver

Build your savings automatically every time you make a purchase using your debit card. When you enroll, every debit card purchase is rounded up to the next dollar and the difference is transferred to your savings account. So how does it work?

Just use your debit card to buy something. Let's say it's groceries and you paid $78.18. We’ll transfer 82¢ to your savings!
Record $79 in your register.
You just saved 82¢! Way to go, you!

"Not So Standard" Benefits

Not so standard with the other guys...but we think you're special.

Free Visa debit card with unlimited transactions
Free cuOnline...our online banking service
- Free Bill Pay service included!
Free cuMobile...our mobile banking
Free cuPhone...our automated phone banking
Free Direct Deposit, Electronic Deposit, Payroll Deduction and Automatic Withdrawal Access
Free Unlimited Check Writing & Check Safekeeping
Free Unlimited CVFCU ATM Transactions
Free Notary Services

See CVFCU Rate and Fee Schedule for specific account pricing, rates and terms.

Overdraft Protection

Everyone has an “oops” moment! It might be a simple error in your checkbook, an unplanned event or an emergency…. We understand that life happens. That’s why CVFCU offers several overdraft protection options:

Overdraft Protection from Savings

Automatically moves money from savings to checking to cover overdrafts (as long as funds are available…so keep some “cushion money” in there!)
There is a nominal fee for each transfer from savings (but that beats an NSF fee and other charges from the merchant!)
Due to federal regulations, electronic transfers from savings are limited to six uses per month

Overdraft Line of Credit

Automatic protection when you need it
No transfer or overdraft fees!
Access to cash when you need it for large or unexpected expenses
Payments are billed monthly according to the balance on the last day of the previous calendar month assuming a three month repayment period. Current rate is 15.00% Annual Percentage Rate.

Overdraft Privilege
Overdraft Privilege acts as your last line of defense against overdrawing your checking account. (So if you have protection from savings and/or a line of credit those will be used first.)

Learn more

Overdraft Privilege Opt-In

Debit Card Rewards

UChoose Rewards is an easy way to put cash back into your pocket! Or snag a vacation. Or score the latest tech gadget. Choose from millions of rewards you truly want. The choice is yours!

With UChoose Rewards, you earn points for every transaction you make with a Your Community Credit Union debit card.

Earn one point for every $2 spent when you use your card. Get bonus points when you shop at participating retailers or at the UChoose Rewards website.

Get Started

Register your CVFCU debit card at UChooseRewards.com. (Have a checking account but no debit card? Need to open a checking account? Contact the Call Center at 434/528-9016.)
Then live your life. Buy groceries, fill up your gas tank, —you know, the usual. The only difference is that, now, you’ll be earning points toward free goodies!

UChooseRewards.com

CardValet

Your card, on your terms

Turn your debit card on and off
Set transaction controls for dollar amount limits, merchant categories and geographic locations
Receive alerts when your debit card is used, approved or exceeds the transaction controls set by you
Stay informed of potential fraud with alerts on attempted, declined transactions
Get real-time balances for your accounts
Learn more

Check Reorders

You can reorder personal or business checks quickly and securely by visiting ordermychecks.com