A checking account at VFCU works the same way as a checking account at any bank. However, some very important features make them better than the traditional checking accounts. Remember, banks are in business to make a profit any way they can.

Credit unions are in business to offer quality financial service. Therefore, the fees we do have on our checking accounts cover the credit union's cost only.

REQUIREMENT On personal checking accounts, there are absolutely no monthly service charges if you maintain a minimum balance of $500. Members only have to pay for the checks they use.

We pay you to have a checking account with the credit union. Competitive dividends are paid on checking accounts with balances of $400 or more.

Dividends are computed on your low monthly balance and paid quarterly.

As an additional convenience, we offer overdraft protection by transferring from your regular share savings account to cover any check that may exceed the balance in your checking account.

It's secure--everything is done for you.

Preauthoriezed drafts may be used to pay insurance premiums,etc.

CHECKING COPIES

Each time you write a check, you automatically make a carbonless copy which remains in your checkbook. You won't have to wait until the end of the month to have an exact record of your financial transactions nor will you need to keep track of cancelled checks--the originals are stored for you.