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Personal Checking

Find what fits you. Not sure yet? Try our Account Finder.

Account Finder

Lucky you. 

All of our accounts include: 


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There’s something here for you. VeraBank offers feature-and-benefit packed checking accounts to suit your needs.

*Message and data rates may apply from your wireless carrier.

1 $3/month for paper statements.

2 This feature is automatically available on our personal checking accounts. New accounts will be assigned a $100 overdraft limit for the first 30 days. After that, our dynamic limit may change at any time. Personal limits may range from $0 to $1,600 maximum. If the account is overdrawn for 24 days, the limit will drop to $0. There is no monthly fee for this service. There is a fee of $32.00 (subject to change) with a limit of four (4) overdraft fees per day for each overdraft created by check, in-person withdrawals, ATM withdrawals, auto transfer withdrawals or other electronic means. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. Opt-in required for Overdraft Privilege on ATM and everyday debit card transactions. See our Overdraft Privilege Policy for complete details.

3 Withdrawal is penalty-free any time after the first 6 days of funding your CD.

True Checking
Launch Checking
Encore Checking
Elite Checking
Renew Checking

Open a True Checking Account Online in Minutes

  • Minimum balance to open $100
  • No minimum balance requirement to avoid monthly maintenance fee*
  • e-Statements required to avoid a $3.00 monthly maintenance fee*
Other Services:
All Accounts Include

*e-Statements required to avoid a $3.00 monthly maintenance fee

**This feature is automatically available on our personal checking accounts. New accounts will be assigned a $100 overdraft limit for the first 30 days. After that, our dynamic limit may change at any time. Personal limits may range from $0 to $1,600 maximum. If the account is overdrawn for 24 days, the limit will drop to $0. There is no monthly fee for this service. There is a fee of $32.00 (subject to change) with a limit of four (4) overdraft fees per day for each overdraft created by check, in-person withdrawals, ATM withdrawals, auto transfer withdrawals or other electronic means. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. Opt-in required for Overdraft Privilege on ATM and everyday debit card transactions. See our Overdraft Privilege Policy for complete details. 

***$5 fee per transfer; additional fees may apply from savings account

****Message and data rates may apply from your wireless carrier

Transaction restrictions may apply on all apps. See a VeraBank representative for details.
Apple®, Apple Pay® and iPhone® are trademarks of Apple Inc., registered in the U.S. and other countries.
Google Pay™ is a trademark of Google LLC.
Samsung Pay® is a trademark of Samsung Electronics Co., Ltd.
Mastercard® is a registered trademark, and Masterpass™ and the circles design are trademarks of Mastercard® International Incorporated.

Open a Launch Checking Account Online in Minutes

  • $25 minimum to open
  • No monthly fee with eStatements*
  • Free Online and Mobile Banking****
  • Two free withdrawals per month at non-VeraBank ATMs
  • Specially designed debit card
  • Available for customers age 13 to 24*****
Other Services:
All Accounts Include

*$3/ month with paper statements

**This feature is automatically available on our personal checking accounts. New accounts will be assigned a $100 overdraft limit for the first 30 days. After that, our dynamic limit may change at any time. Personal limits may range from $0 to $1,600 maximum. If the account is overdrawn for 24 days, the limit will drop to $0. There is no monthly fee for this service. There is a fee of $32.00 (subject to change) with a limit of four (4) overdraft fees per day for each overdraft created by check, in-person withdrawals, ATM withdrawals, auto transfer withdrawals or other electronic means. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. Opt-in required for Overdraft Privilege on ATM and everyday debit card transactions. See our Overdraft Privilege Policy for complete details.
 

***$5 fee per transfer; additional fees may apply from savings account 

****Message and data rates may apply from your wireless carrier 

*****For those under the age of 18, a parent or guardian must be present to open an account. At age 25, the checking account converts to True Checking.
 

Transaction restrictions may apply on all apps. See a VeraBank representative for details.
Apple, Apple Pay and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.
Google Pay is a trademark of Google LLC.
Samsung Pay is a trademark of Samsung Electronics Co., Ltd.
Mastercard is a registered trademark, and Masterpass and the circles design are trademarks of Mastercard International Incorporated.

Encore Checking Benefits

Open a Encore Checking Account Online in Minutes

  • Minimum balance to open $100
  • No monthly fee with just one of the following:
  • A minimum daily balance of $1,000, or
  • A monthly direct deposit of $500 or more (Otherwise $5 monthly fee)
  • One-time, penalty-free withdrawal from a VeraBank CD*
  • One standard order of VeraBank custom checks per year at no charge
  • Consumer loan discount of .25% with auto debit from a VeraBank account
  • VeraBank debit card (Earn rewards or cash back!)
  • Available for those age 62 and older
Other Services:
All Accounts Include

*Withdrawal is penalty-free any time after the first 6 days of funding your CD.

**This feature is automatically available on our personal checking accounts. New accounts will be assigned a $100 overdraft limit for the first 30 days. After that, our dynamic limit may change at any time. Personal limits may range from $0 to $1,600 maximum. If the account is overdrawn for 24 days, the limit will drop to $0. There is no monthly fee for this service. There is a fee of $32.00 (subject to change) with a limit of four (4) overdraft fees per day for each overdraft created by check, in-person withdrawals, ATM withdrawals, auto transfer withdrawals or other electronic means. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. Opt-in required for Overdraft Privilege on ATM and everyday debit card transactions. See our Overdraft Privilege Policy for complete details.

***$5 fee per transfer; additional fees may apply from savings account

****Message and data rates may apply from your wireless carrier


Transaction restrictions may apply on all apps. See a VeraBank representative for details.
Apple, Apple Pay and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.
Google Pay is a trademark of Google LLC.
Samsung Pay is a trademark of Samsung Electronics Co., Ltd.
Mastercard is a registered trademark, and Masterpass and the circles design are trademarks of Mastercard International Incorporated.

Open an Elite Checking Account Online in Minutes

  • Minimum balance to open $500
  • Interest bearing – tiered*
  • $5,000 minimum balance to receive interest
  • 8 Free non-VeraBank ATMs per statement cycle
  • .25% rate discount on new non-Mortgage loan with auto debit from a VeraBank account
  • Free new small safe deposit box for 1 year
  • Free incoming wires
  • Free 1 VeraBank box of checks per year
  • Free Official Checks
  • Monthly service charge - $15

To avoid service charge:

  • Minimum daily balance of $5,000 or maintain one of the following:
    • Minimum daily combined Deposit Balances: $10,000 (excludes CDs)
    • Minimum daily combined Loan Balances: $25,000
Other Services:
All Accounts Include

*FDIC coverage is limited to $250,000.00 on interest bearing accounts

**This feature is automatically available on our personal checking accounts. New accounts will be assigned a $100 overdraft limit for the first 30 days. After that, our dynamic limit may change at any time. Personal limits may range from $0 to $1,600 maximum. If the account is overdrawn for 24 days, the limit will drop to $0. There is no monthly fee for this service. There is a fee of $32.00 (subject to change) with a limit of four (4) overdraft fees per day for each overdraft created by check, in-person withdrawals, ATM withdrawals, auto transfer withdrawals or other electronic means. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. Opt-in required for Overdraft Privilege on ATM and everyday debit card transactions. See our Overdraft Privilege Policy for complete details.
 

***Message and data rates may apply from your wireless carrier

Transaction restrictions may apply on all apps. See a VeraBank representative for details.
Apple, Apple Pay and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.
Google Pay is a trademark of Google LLC.
Samsung Pay is a trademark of Samsung Electronics Co., Ltd.
Mastercard is a registered trademark, and Masterpass and the circles design are trademarks of Mastercard International Incorporated.

Open a Renew Checking Account Online in Minutes

Why Renew?
If you’re building or rebuilding a healthy financial relationship, interested in saying good-bye to high check-cashing fees, and need access to your money with a debit card, this second chance checking account’s for you!

      • Minimum balance to open $25
      • No minimum balance requirement
      • $9.95 monthly fee with a monthly direct deposit; otherwise, monthly fee is $14.95
      • Debit card available 
This account includes:

All Accounts Include

*Message and data rates may apply from your wireless carrier

Transaction restrictions may apply on all apps. See a VeraBank representative for details.
Apple, Apple Pay and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.
Google Pay is a trademark of Google LLC.
Samsung Pay is a trademark of Samsung Electronics Co., Ltd.
Mastercard is a registered trademark, and Masterpass and the circles design are trademarks of Mastercard International Incorporated.

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