Checking that
doesn't punish you.
Three accounts to pick from. Zero overdraft fees. Zero NSF fees. Free Visa Debit, free online banking, free mobile banking. Membership is the price of admission. After that, it's yours.
Membership required. Vida deposits your $5 membership share for you. All accounts subject to eligibility and approval. Verify current terms with Vida FCU before opening.
Overdraft Fees
PayAssure replaces the standard overdraft fee with zero.
NSF Fees
No non-sufficient-funds fees. On any account.
Account Options
PayAssure, Dividend, and Freedom. Pick what fits.
Surcharge-Free CO-OP ATMs
No ATM fees at any machine with the CO-OP logo, nationwide.
Three ways
to check.
Same zero-fee philosophy across all three. Different features for different lives. Pick the one that fits how you actually use your money.
- Zero overdraft fees and zero NSF fees on all three accounts
- Free Visa Debit Card included with every account
- Online banking, mobile app, bill pay, and eStatements on all three
- Deposit via mobile, in branch, by mail, direct deposit, ATM, or any of 5,600+ CO-OP Shared Branches nationwide
- Surcharge-free withdrawals at CO-OP network ATMs — find locations or text a ZIP code to 91989
- Routing number 322280427 for direct deposit setup
Vida’s signature account. With your signed opt-in and qualification, covers eligible overdrafts up to your qualifying limit — with no fee.
Earns monthly dividends on a $1,000+ daily balance. Low monthly service fee waived three different ways; fees could reduce earnings. Designed for steadier balances.
Free checking, no dividends. Qualifies via direct deposit, a Vida loan, a Visa card, an IRA or share certificate, or full-time student status.
Overdraft coverage.
With no fee.
PayAssure Opt-In is Vida’s no-fee overdraft solution. When you qualify and opt in, eligible transactions are covered up to your qualifying limit — no surprise fee, no declined card at the register, no moment of having to put something back.
Enrollment requires your signed opt-in. Qualification is based on account standing, including consistent deposits over a three-month period, and any covered balance must be repaid within 30 days. Talk to Member Services to confirm your eligibility and enroll.
PayAssure is a discretionary overdraft program, not a loan or a line of credit. Coverage is provided at Vida’s discretion and is not guaranteed for any transaction, even after you opt in. Your individual coverage limit is set by Vida from your account history and deposit pattern and may change over time. Any covered balance must be brought positive within 30 days; later deposits are applied to the negative balance first. Coverage of ATM withdrawals and everyday debit card transactions requires your written opt-in, and you can opt out at any time by phone, in branch, or with the PayAssure Opt-In form. Vida charges no overdraft, NSF or overdraft transfer fee. The complete program rules are in the PayAssure Opt-In terms.
Opt in once. Covered when it counts.
Eligible transactions go through up to your qualifying limit with no overdraft fee. You bring the balance back within 30 days.
Consistent deposits. Good standing.
Qualification is based on account standing, including consistent deposits over a three-month period. Member Services will confirm your limit when you opt in.
The whole
toolkit.
Free Visa Debit, online banking, mobile app, and the network access to use them. All in. No tiers, no add-ons.
Free Visa Debit Card
Use it anywhere Visa is accepted. Mobile wallet ready. Replaces your old paper-check habit.
30,000+ ATM Network
Withdraw and deposit at over 30,000 shared-network ATM locations. Plus shared branching nationwide.
Mobile Banking
Free apps for iPhone and Android. Mobile check deposit, balance checks, transfers, and bill pay on the go.
Online Banking & Bill Pay
Full account access, statements, transfers, and bill pay through Vida's secure online banking. 24 hours a day.
CardValet Controls
Turn cards on or off, set spending limits, get real-time alerts. Card management in your pocket.
SMS Banking
Quick balance checks and account updates by text message. For when you don't have the app open.
The stuff people ask first.
Which account should I open?
If you've been hit with overdraft fees before, go PayAssure. If you keep $1,000+ in checking and want to earn dividends, go Dividend. If you have direct deposit, Freedom is the simplest free option.
Do you really charge zero overdraft fees?
Yes. No overdraft fees, no NSF fees, no overdraft protection fees. PayAssure covers eligible transactions up to your qualifying limit instead of charging an overdraft fee.
Is Dividend Checking really free?
It has a small monthly service fee that waives three different ways: maintain a $500 daily balance, keep $5,000 in your regular savings account, or be 62 or older. Most members qualify for the waiver easily.
What if I don't have direct deposit for Freedom Checking?
Other qualifying activity works too: holding a Vida loan, a Vida Visa card, an IRA, or a share certificate. Full-time students also qualify regardless of direct deposit.
How do I opt into PayAssure on my Visa Debit Card?
When you open a PayAssure account, you'll be asked to opt in for debit card coverage. You can also opt in any time after opening through online banking, by phone, in branch, or by completing the PayAssure Opt-In form.
Where can I use my Visa Debit Card?
Anywhere Visa is accepted. Use it for everyday purchases, online shopping, mobile wallet payments, and ATM withdrawals at 30,000+ network locations.
Open it
online.
Apply for membership and open your checking account at the same time. About five minutes start to finish. Spanish-language support available at no cost.