Free Checking Accounts
Free Checking Accounts
Every checking account is free at Veridian. More options with no monthly fees - That's the value of Veridian.
Premium Plus Checking
4.00% APY** Dividend
Best if...
- You regularly make purchases with your credit card.
- Your direct deposit of your net income of $250 or more is sent to Veridian monthly.
- You want our highest checking account interest rate^.
Premium Checking
3.00% APY** Dividend
Best if...
- You regularly make purchases with your debit card.
- Your direct deposit of your net income of $250 or more is sent to Veridian monthly.
- You want to earn a premium interest rate^.
Checking
0.05% APY** Dividend
Best if...
- You want a simple checking account.
- You don't want a credit card with your account.
- You don't use a debit card regularly.
Earn interest on your balance based on your spending habits.
Compare and choose the account that's right for you.
| Feature |
Premium Plus Checking
|
Premium Checking
|
Checking
|
|---|---|---|---|
| 4.00% APY**on all balances up to $20,000 | 3.00% APY**on all balances up to $15,000 | 0.05% APY**on all balances | |
| Requires enrollment in eDocs | |||
| Requires direct deposit | |||
| Requires 15 debit card purchases monthly | |||
| Requires 15 credit card purchases monthly | |||
| Open Account Learn More | Open Account Learn More | Open Account Learn More |
Giving you more.
That’s the value of Veridian.
Benefits of EVERY Veridian Free checking account
- Tap to pay, and compatible with mobile payments (Apple Pay, Google Pay and more).
- Turn your card on and off, and set spending limits with Card Control in digital banking.
-
Make unlimited transactions at Veridian-owned ATMs with no surcharge, or up to 10 transactions free at a SHAZAM Privileged Status Network ATM near you.
- Card issued instantly on site. Choose a green or purple card!
- Access your accounts, transfer money, pay bills, check your balance and more from online banking or the Veridian mobile app.
- Use Remote Check Deposit on your mobile device.
- Track your credit score for free with Credit Central.
- Set email or text alerts for balances, transfers and due dates.
- Easily open new accounts with Quick Apply.
- No minimum balances.
- No monthly fees.
- Free Overdraft Protection.
- Reorder checks online anytime.
- Get paid early when your direct deposit is sent to Veridian.
Pair our Premium Plus Checking with our Visa® Signature Card for max earning potential
Any Veridian Credit card^ qualifies you for a Premium Plus Checking Account, but only the Visa Signature Card lets you earn cash back on top of a premium interest rate.
Learn more about premium plus checking account earningsThis is an estimation tool for illustration purposes only. It assumes purchases are made with a Visa® Signature Card, associated with a Premium Plus Checking account, which qualifies for the Premium Plus dividend yield each month. Actual results may vary.
Frequently Asked Questions
Yes, and we’ll make things easy for you. When you convert an existing checking account, your account number will stay the same. That means your existing debit card, checks and automatic payments will all remain active with your new Premium or Premium Plus Checking account.
Yes! There are no monthly fees for any of our checking accounts. However, overdraft fees could apply if any transactions take your account to a negative balance.
You may only be listed as the primary account holder on one Premium or Premium Plus Checking account.
ATM transactions, automated clearing house (ACH) payments, checks, eChecks and cash advances do not count towards your qualification.
Any associated card purchases must settle and post to the account/card between the first day of the month and the second to last day of the month. Any pending transaction and/or transactions posted on the last day of the month will be applied to the next month's totals.
Yes. All card holder transactions on a single credit card account are considered. However, you cannot attach more than one credit card account to a Premium Plus Checking Account.
Yes. Each debit card associated with your Premium Checking Account will count towards the qualifications.
Ready to open your checking account?
Current members can open a checking account faster with Quick Apply in online banking.
+ Assumes 4.00% APY (annual percentage yield) paid on Premium Plus Checking balances up to $20,000; 0.15% APY on funds exceeding $20,000. If minimum qualification requirements are not met during the monthly qualification cycle, the rate of .01% APY will apply to the entire balance of the Premium Plus Checking account.
** APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date and is subject to change after the account is opened. 3.00% APY paid on Premium Checking balances up to $15,000; 0.15% APY on funds exceeding $15,000. 4.00% APY paid on Premium Plus Checking balances up to $20,000; 0.15% APY on funds exceeding $20,000. If minimum qualification requirements are not met during the monthly qualification cycle, the rate of .01% APY will apply to the entire balance of the Premium/Premium Plus Checking account.
^ To qualify for a premium rate, enrollment in eDocs, direct deposit of net income to an account under the membership, and a minimum of 15 card purchases, averaging $10 each, during the month, is required. Premium Checking requires 15 debit card purchases, averaging $10 each, and Premium Plus requires 15 credit card purchases, averaging $10 each. Balance transfers, ATM transactions and cash advances do not count toward the monthly card transaction requirements. Card(s) must be associated with the Premium/Premium Plus Checking account. Business and Home Improvement Visa credit cards are ineligible. Transactions must settle and post to the associated card account between the first day of the month and the second to last day of the month. Transactions posted the last day of the month will be applied to the next month’s transaction totals. One Premium Checking or one Premium Checking Plus account is allowed per tax identification number. Must be 18 years of age or older to open a Premium or Premium Plus Checking account. Qualifications are subject to change, and we will notify you as required by applicable law.
° Assumes cash back rate of 2%, which requires inclusion in Loyalty Program by enrolling in eDocs and maintaining either direct deposit of at least $250 to Veridian monthly or, if unavailable, a minimum of 10 qualifying checking account transactions per month. Borrowers will receive standard cash back rate of 1.5% if they fail to meet Loyalty Program qualifications during the month. Points toward cash back are earned at the time of purchase based on your current Loyalty Program status.