Premium Rewards Checking

  • Rewards points (1 for every $5 spent) on qualifying purchases with your Vantage West Visa Debit card
  • Dividends paid on all balances
  • Low $20 opening deposit requirement
  • Option to purchase FraudScout ID protection and monitoring services2
  • Unlimited non-Vantage West ATM withdrawals and up to $7/monthly surcharge reimbursements
  • No monthly service fees with minimum daily balance of $3,000, or combined average daily balance in all deposit accounts of $10,000 or monthly net direct deposit of $7503
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Essential Checking

  • No monthly services fees or minimum balance requirements
  • Low $20 opening deposit requirement
  • Free use of Vantage West ATMs
  • Mobile deposits and money management tools
  • Essential Checking requires eStatements. Paper statements are not available.
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Premium Rewards Essential
Reward Points (1 point on every $5)
Free Visa Debit Card
Design Your Own Card $3.00
Money Management / Access Tools
Mobile Deposits
Unlimited Check Writing
Payment Confidence Options
Free ID RiskCompass From CyberScout
Free Card / Fraud Alerts
Free Lifestages ID & Fraud Resolution
FraudScout ID Monitoring Available For Purchase Available For Purchase
Foreign ATM Withdrawals $1.75
Unlimited Bill Pay
Opening Deposit $20 $20
Monthly Fee $12 Free
Fee Waviers Average daily balance in Premium Rewards Checking of $3,000+ or Combined average daily balance in all deposit accounts of $10,000+ or Monthly direct deposit of $750+ No Fees
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Last Updated October 16, 2018

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Some products and services are subject to approval. Membership required. Certain restrictions may apply. Federally insured by NCUA. LifeStages ID & Fraud Resolution Services are provided by CyberScout®, and do not reimburse for any financial losses. Services are available to checking account-holders, and anyone living in those account-holders’ immediate household, including children of the account holder through age 23 who are away from home as full-time students.

1A “Qualifying Purchase” is non-pin merchant transaction. We reserve the right to determine at our sole discretion whether a particular transaction is a Qualifying Purchase or to include or exclude other charges from the definition of Qualifying Purchases.

3 Service is not automatic and enrollee must complete all enrollment steps before receiving any FraudScout benefits. Must be 18 years or older with a valid Social Security Number, email address, and access to the internet. See FraudScout Terms and Conditions for additional information.

4Premium Rewards Checking service fee (without qualifying waiver) is $12 per month. If you converted from a Premium Checking to Premium Rewards Checking account the fee wavier through a first mortgage is grandfathered in if the mortgage was funded before Nov. 5, 2018.