Monthly fee
$9.95
−$119 a year for an everyday customer: fees and interest, $2,000 kept.
Virginia · Checking account
Virginia Encore Checking
−$119 a year for an everyday customer. $9.95 a month. $20 to open.
- A year, everyday customer
- −$119
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · vacu.org
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · vacu.org
The source states this figure; we have no exact sentence on file yet.
Against the market
How it ranks
#827of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- ATM fee rebates
- Bill pay
- Branch access
- Check writing
- Contactless card
- Debit card
- Mobile check deposit
- Mobile wallet
- Second chance
- Support 24/7
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Fees
- Monthly fee
- $9.95 a monthvacu.org, checked Nov 8, 2026
- Minimum to open
- $20vacu.org, checked Nov 8, 2026
- Withdrawals a month
- 4vacu.org, checked Nov 8, 2026
- ATM network
- VACU locations or shared branches with credit unions nationwidevacu.org, checked Nov 8, 2026
- Out-of-network ATM fee
- Nonevacu.org, checked Nov 8, 2026
Who can open it
- Membership
- Open to anyone who qualifies through one of these:
- Employees and retirees of any Commonwealth of Virginia state agency or department, or any county, city, town, or other political subdivision in Virginia.
- Individuals who live, work, worship, volunteer, or attend school within the boundaries of the listed Virginia cities, towns, and counties.
- Employees, retirees, or full-time/part-time students currently enrolled at any Virginia state-funded college or university, Virginia Union University, Randolph-Macon College, Liberty University, or the University of Richmond.
- Immediate family and household members, regardless of where they live, including parents, spouses, children, siblings, grandparents, and grandchildren.
Insured through the NCUA, up to $250,000 per member, per ownership category: NCUA record.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees