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Grow Checking is a Full-Featured Account

Checking is available in three flavors with Veritas FCU. Our full-featured checking account, now called Grow, has overdraft protection and pays a monthly dividend. It is a variable rate account. For those who really like getting paper statements in the mail, this is the account for you, as our other accounts require eStatements. If you currently have the Maximizer Checking Account, you will be automatically switched to a Grow Account. If you prefer another account, please call. Starting July 1, 2025, there will be a monthly fee for the Grow Account, but that fee is waived with an average daily balance of $1,000 or direct deposit of $1,000.

Chart describing Grow Account Attributes

*Variable Rate Account. The dividend rate and annual percentage yield are variable rates and may change at any time, at VFCU discretion. Dividends earned daily for each day on which the account balance equals or exceeds the minimum daily balance requirement. Dividend period is monthly; if you close your account prior to payment of a dividend, you will not receive any accrued dividend. Dividends are calculated by the daily balance method that applies to a daily periodic rate to the principal balance in the account each day.

**Grow Checking monthly fee waived with direct deposit of $1,000/month or an average daily balance of $1,000.

FAQs

Yes!! No matter which checking account you choose, eBanking allows you to manage your checking account, pay bills, view statements, and so much more – wherever you are. Sign in.

Download our App on Google Play or App Store.

Yes, we do have an easy-to-use mobile app! Enjoy secure and ultra-convenient banking through our app. With it, you can:

  • Check account balances
  • See recent activity and view history
  • Transfer funds from account to account
  • Transfer loan payments
  • ePay your bills
  • Control Debit and ATM cards
  • eDeposit by taking a photo of checks
  • Find ATMs and shared branches
  • Log in with biometrics finger touch
  • Set up custom alerts

Yes!! You can order checks with your Grow and Thrive checking accounts. VFCU staff must place your initial order. After the first order, simply use a current check to order checks from your favorite place. For example, walmartchecks.com offers a variety of checks at a reasonable price […that’s not an endorsement and we don’t get anything from them; they just have decent check prices.] Just be sure to compare the routing and account numbers on your ordered checks with the checks you received from us to be sure they are the same.

It doesn’t seem like much of a “courtesy” to charge a fee for insufficient funds (NSF). Isn’t it better just to get the NSF fee if my account is running low?

None of us like fees. It’s best to keep enough money in your account to pay your bills, but sometimes things happen. When they do, our Courtesy Pay system steps up to help.

With our Courtesy Pay system, any time funds are not available, our system pays the item and then charges a fee. You don’t have to have our Courtesy Pay.

Without Courtesy Pay, when funds are not available, debit card transactions get denied, but we can’t deny a preauthorized charge (automatic payments). Either way, you’d still get the fee for NSF or insufficient funds (AND, you’ll get a fee from the vendor that’s trying to get their money from your account). So Courtesy Pay can save you money.

Best practices:

  • Ensure enough funds are available in your account to alleviate courtesy fees altogether.
  • Know when auto drafts are to be withdrawn so you can deposit money, if needed.
  • Set up an alert for when your funds get low.
  • Check your account balance frequently so your account doesn’t drop too low.
  • Ask one of our MSRs to set up back up accounts for you. We first pull from your share account. If funds are not available, we go to your Line of Credit. If that’s not available, you can set up other back up accounts that you have.
  • If your funds do get too low and you can catch problems early, they are much easier to resolve. Talk to us, and maybe we can help.

We have a dedicated line for Bill Pay Support: 844-357-8886

GREAT RATES & DIVIDENDS

  • Exceptional savings and checking dividend rates

  • Below-market loan rates for personal or home loans, for buying or refinancing cars, and more

CONVENIENCE & ACCESS

  • Direct deposit

  • Wire transfer services (incoming & outgoing)

FREE PRODUCTS & SERVICES

  • Free ATM / Debit card

  • No annual fee and CashBack Rewards with our VISA credit card

FREE EBANKING, EPAY, AND APP

  • Account balance and transactions at your fingers

  • Pay bills online