Member-owned banking for San Bernardino County. Zero overdraft fees, zero shareholders — since 1961.
Membership is free: Vida deposits your $5 share for you. No credit check to join. Federally insured by NCUA. CDFI Certified.
Online Banking
Find an ATM
or shared branch.
30,000+ surcharge-free ATMs and 5,600+ shared branches nationwide. If it has the CO-OP logo, it works like Vida.
Or text your ZIP code to 91989 for nearby ATMs and shared branches. Vida branch: 1520 N. Palmetto Ave., Ontario.
Banking.
Without the bank.
Zero overdraft fees. Zero NSF fees. Zero shareholders. Vida is the credit union built for the people of San Bernardino County. Not for a quarterly report.
Overdraft Fees
Zero overdraft. Zero NSF. Not a typo.
To Join
Open a savings account. Free. That's your membership.
Local Since
Born in San Bernardino County. Still here. Still member-owned.
Member-Owned
Every dollar earned funds better rates and fewer fees.
Big banks collected $12 billion in overdraft fees in 2025.
We charged zero.
On purpose. Vida is one of the few financial institutions in the country that does not charge overdraft fees, NSF fees, or overdraft protection fees. It's not a promotion. It's how we're built.
See How Our Checking WorksSource: National Consumer Law Center, June 2026: overdraft and NSF fees paid in 2025 at the 20 largest consumer banks.
Done paying their fees?
Here's the way out.
Five steps. Real templates. A guided exit from your old institution, on your terms. Welcome to #nofeemovement.
The whole list.
No upsell hiding in the small print.
Loans, cards, checking, savings. All built on the same deal: member-first, not shareholder-first. Pick what you need.
Different on purpose.
Not by accident.
A credit union isn't a bank. The structure is different, the incentives are different, and yes, the fee schedule is different. Here's what that means for you.
Zero Fees.
Zero Games.
No overdraft fee. No NSF fee. No overdraft protection fee. No monthly fee on Freedom and PayAssure Checking. The numbers are real.
Member-Owned
By Design
No outside investors. No earnings reports. Every dollar earned funds better rates and fewer fees for members.
CDFI
Certified
Certified by the U.S. Department of the Treasury as a Community Development Financial Institution. Federally insured by NCUA. Equal Housing Lender.
Local
Since 1961
Born in San Bernardino County in 1961. Still here. Still serving the community that built us. Real branches. Real people.
Five minutes.
And free.
That's all it takes to join. Everything Vida offers unlocks the moment you become a member.
- Live, work, worship, attend school, or do business in San Bernardino County
- No credit check to join. Joining does not affect your score
- Spanish-language support available at no cost