Flexible checking options with a Visa® debit card to fit your needs.
¿Está buscando algo simple y confiable?
Flex Checking has no required balance or monthly service fee – just use your funds however you want, wherever you want.
Hablando de cualquier lugar, ...
Flex Checking Plus is perfect for travelers, reimbursing Non-Visions ATM fees and saving you big when you’re out of town. Plus, it earns you dividends on your deposits – and a whole lot more.
Whether it's with Flex Checking or Flex Checking Plus, enjoy 24/7 convenience and secure payments with a complimentary Visa® debit card. Open your checking in digital banking, over the phone at 800.242.2120, or at your local branch.
Choose the checking that's right for you
Open your new checking account in digital banking, over the phone at 800.242.2120, or at your local Visions branch.
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Flex Checking
Convenient, reliable, affordable.
· No monthly service charge
· No minimum balance requirement
· Unlimited check writing
· Complimentary Visa® debit card
· No dividends
Ask about a tax-advantaged Health Savings Account (HSA), also available as Flex Checking!
Flex Checking Plus
More perks, more savings.
· Unlimited refunds on non-Visions ATMs
· Free official checks, money orders, and wire transfers
· Free stop payments on personal checks
· Complimentary Visa® debit card
· Dividends on all balances
¿Lo mejor de todo? It's all only $8 per month – and you may already qualify to have that waived!*
Upgrade from Flex Checking to Flex Checking Plus with no hassle!
That's right, your checks, debit cards, and number don't change, plus any of your payments, transfers, and deposits can continue as usual – just with a lot more benefits.
Whichever you choose, all our checking accounts feature:
· 24/7 access at ATMs, over the phone, in digital banking, or at your local Visions branch and shared branch locations
· Overdraft Protection and optional coverage – ask about our Readi Reserve!
· A variety of check options with customizations available
· Complementary Visa® debit card, featuring:
· Tap to Pay convenience
· Fraud protection
· Visa® Purchase Alerts
· Card Controls available in digital banking
...and your choice of debit card design!
Información adicional
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Direct deposit for payroll, Social Security, and more
To set up a new direct deposit to your checking account, your employer or payment provider will need Visions routing number (221375378) and your checking account number in the correct format. Obtener más información sobre el depósito directo.If you have an existing direct deposit, you can use ClickSWITCH to change it online – all in 60 seconds or less!
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Convenient transfers and deposits
In addition to accepting traditional deposits in branch and at ATMs, we also have a number of options to set up one-time or recurring automated transfers, deposits, and payments. Learn about deposits and transfers.Enroll in digital banking for access to a range of convenient solutions:
- Set up one-time or recurring transfers using the Funds Transfer tool
- Send money to family and friends with Zelle®
- Make member-to-member transfers
- Use our Express Deposit feature for online and mobile check deposits
¡Y mucho más!
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Solicitud de cheques nuevos
Puede solicitar cheques de la siguiente manera:- Pase por su oficina local y solicite una caja
- Select "Check Reorder" from within digital banking
- Call us at 800.242.2120
For convenient customizations and to explore hundreds of check designs, use the link in digital banking. Log in to your account from a web browser or the Visions FCU Mobile app.
- Click on the Services menu then select Check Reorder.
- Select your checking account and you will be directed to the Harland Clarke site, where you can opt for standard Visions checks or purchase boxes of your chosen, personalized design. Additional costs may apply.
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Accessing a copy of a previous check
All of your cleared checks are listed in your checking account history in digital banking. Click on the transaction to view details and the check image. El historial de su cuenta corriente, que incluye los cheques pagados, está disponible en la banca digital durante aproximadamente un año previo a la fecha actual.You may also request a check copy at any Visions office, by calling our Contact Center at 800.242.2120 option 4, or through Live Chat in digital banking. Se cobra una tarifa de $2 por todos los pedidos de copias de cheques a Visions. La copia se enviará a la dirección que aparece en su cuenta.
To view copies of checks paid using our online Bill Pay service, you must access Bill Pay in Digital Banking (found on the menu under Transfers/Payments) and follow the link to Visit Bill Pay site. Luego, vea su Historial de pagos para encontrar los detalles del pago y una copia del cheque. Una copia del frente y el dorso del cheque estará disponible solo después de que el cheque se haya cobrado.
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Requesting stop payments
How do I stop a check payment?You may request a check stop payment at any Visions office, by phone with our Contact Center at 800.242.2120 menu option 4, or online while logged into digital banking.
Se cobra una tarifa de $30 por realizar la suspensión del pago de un cheque. Todas las tarifas están sujetas a cambios. Speak with a representative to review our current Service Charge Schedule for more information on current service charges.
To request a stop payment in digital banking:
- Log in and select Stop Payments, located under the Services tab.
- Complete the digital form based on the known payment information.
How do I stop a Bill Pay payment?
Para realizar la suspensión del pago de un cheque que se emitió a través de nuestro servicio de pago de cuentas por Internet:
- Log in and open the Bill Pay service in digital banking.
- Seleccione "Visitar el sitio de Pago de cuentas" para acceder a las páginas y menús completos del Pago de cuentas. (En la aplicación, seleccione el botón Opciones y, a continuación, Visitar el sitio de Pago de cuentas).
- Busque su pago en el historial de pagos.
- Haga clic en el botón VER a la derecha del pago.
- A continuación, seleccione el botón "Enviar solicitud de suspensión de pago".
Puede realizar la suspensión del pago de cualquier cheque de pago de cuentas que no se haya pagado aún.
No se cobran tarifas para realizar la suspensión del pago de un cheque para Pago de cuentas.
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Resources – Overdraft coverage and special checking options
Review our Overdraft Coverage solutions, including our Readi Reserve line of credit, Overdraft Protection, and Standard vs. Extended Coverage.Also available for your checking needs:
*Flex Checking Plus: requires $1,000 minimum account balance or $25,000 in combined consumer deposit/loan balances at all times to avoid $8 monthly service charge. Fee waiver also available for veteran service members and their spouses; proof of service required for Veterans Program waiver and must be shown at account opening.
Artículos sobre cuenta de ahorro y corriente
El enfoque SMART para ahorrar
¿Cuál es su próxima gran meta de ahorro? Ya sea un viaje a las montañas, un pago anticipado para un nuevo hogar, o ahorros para un mes de emergencia, siempre es buena idea tener un plan de ahorros "SMART" para mantener su presupuesto encaminado. Cada enfoque SMART debería ser: Specific (específico), Measurable (medible), Attainable (alcanzable), Relevant (pertinente) y Time-Bound (por tiempo limitado).
Su tarjeta de débito para gastos diarios
Motivos por los que el débito es mejor que el efectivo, los cheques y el crédito. Las tarjetas de débito, que representan casi un tercio de todas las transacciones que hacen los consumidores en EE. UU., se usan más que el efectivo, los cheques y las tarjetas de crédito. Sin embargo, eso no debería sorprenderlo. Aunque han sido populares durante muchas décadas, las tarjetas de débito han mejorado y han incorporado tecnología para hacer que las transacciones sean más rápidas, seguras y fáciles de rastrear.
Seguro de acciones de NCUA
Como su cooperativa de crédito, somos su administrador financiero, que defiende su bienestar financiero y protege los activos que usted nos ha confiado.
