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You qualify if you live, work, worship, attend school, or do business in San Bernardino County, California. Immediate family members of current Vida members also qualify regardless of location.

Opening a Regular Savings account establishes your membership. Vida deposits the $5 membership share for you, so joining costs you nothing. There is no credit check, and joining does not affect your credit score.

No credit check is required for membership. We do check ChexSystems to make sure you haven't had recent account closures with negative balances. Applying for loans or credit cards later involves a separate credit review.

Online applications typically take 5-10 minutes. Most applicants receive a decision the same business day. You'll need a government-issued photo ID, your Social Security number, and basic contact information.

Yes. You can complete the entire membership application online via our application portal. You can also stop by the branch at 1520 N. Palmetto Ave. in Ontario if you'd rather apply in person.

Banks are for-profit institutions owned by shareholders. Credit unions are not-for-profit and owned by their members. When Vida makes money, it goes back to members through better rates, lower fees, and reinvestment in the community, not to outside shareholders.

Vida is also a certified Community Development Financial Institution (CDFI).

Three checking accounts: PayAssure (our featured account with built-in transaction coverage), Dividend Checking (earns dividends on balance), and Freedom Checking (a basic checking option). All come with a free Visa Debit Card and access to online and mobile banking.

PayAssure covers transactions on your account up to your qualifying limit. If a purchase would otherwise be declined or cause an overdraft, PayAssure covers it. You have to opt in to use it on your Visa Debit Card. Opt-in is free.

Regular Savings opens with a $5 membership share, which Vida deposits for you, and opening it establishes your Vida membership. Other savings products have different minimums: Money Market requires $2,500, Certificates of Deposit require $500, and IRA share accounts also start at $5.

Vida is federally insured by the National Credit Union Administration (NCUA). Your deposits are insured up to $250,000 per owner per insurance category. IRA accounts have separate insurance coverage from your other deposit accounts.

Four options:

• Mobile deposit through the Vida app on your phone
• At the branch teller window
• At any shared branch nationwide (5,000 locations)
• By mail to 1520 N. Palmetto Ave., Ontario, CA 91762

Money Market accounts give you access to your funds with a 5-withdrawal monthly limit and earn dividends on your balance. Certificates lock your money for a fixed term (3 to 60 months) in exchange for a higher guaranteed rate. Choose Money Market for flexibility, Certificates for higher returns on money you won't need.

Yes. Most members have a checking account, a savings account (for membership), and often additional savings products like Money Market or Certificates. You can also open joint accounts, custodial accounts for minors, or retirement accounts.

Personal loans up to $20,000 individual or $40,000 joint. Auto loans with 100% financing up to 84 months. Home loans through our partner Varris (purchase, refinance, HELOC, fixed second mortgages). Visa Platinum and Visa Classic credit cards.

Apply online through our application portal, by phone at (909) 983-1959, or in person at the branch. Most personal and auto loan applications receive a decision within one business day. Home loans go through our mortgage partner Varris and timing depends on documentation.

You'll need to be a Vida member to receive loan funds, but you can apply for membership and a loan at the same time. The application captures both. If you're approved, your membership savings account is opened when you accept the loan, with the $5 share deposited by Vida.

There's no single cutoff. We look at your full financial picture, including credit history, income, and your relationship with Vida. We work with members across the credit spectrum, including those with limited or rebuilding credit. Your rate will be based on creditworthiness.

Yes. Pre-approval lets you shop for a car knowing exactly what you can afford and at what rate. Bring your pre-approval letter to the dealer and negotiate from a position of strength. Pre-approvals are typically valid for 30 days.

Yes. Vida offers a 0.5% rate reduction on auto loans financing electric or hybrid vehicles. The discount is automatically applied at the time of loan approval for qualifying vehicles.

Skip a Payment lets you defer one monthly loan payment when you need breathing room. Eligible loans include most consumer loans in good standing. There's a small processing fee, and the skipped payment is added to the end of your loan term.

Yes. Auto loan, personal loan, and home loan refinances are all available. We'll review your current rate and terms and let you know what Vida can offer. There are no application fees.

Visa Platinum has a lower starting APR (8.48%) and higher credit limits (up to $20,000), designed for established credit. Visa Classic has a higher APR (11.88%) and lower limits, designed for members building credit. Both have no annual fee, a 25-day grace period, and no foreign transaction surcharge.

Call immediately, 24 hours a day:

• Lost or stolen Visa Debit Card: (800) 472-3272
• Lost or stolen Visa Credit Card: (855) 284-3957

You can also freeze your card instantly through CardValet on the Vida mobile app.

For Visa Debit Card disputes, call (844) 880-0730. For credit card disputes, call (855) 284-3957. Have the transaction details ready (date, amount, merchant). For Zelle disputes, use the dedicated dispute forms on our fraud prevention page.

Yes. Both Visa Debit and Visa Credit cards work worldwide wherever Visa is accepted. Set a travel notice in advance through online banking or by calling Vida so your transactions aren't flagged as suspicious. A small foreign transaction fee may apply to credit card purchases.

CardValet is a free mobile app that gives you real-time control over your Vida cards. Turn cards on or off instantly, set spending limits, restrict use to specific merchant types or geographic areas, and get instant transaction alerts. Available through the Vida mobile app.

Visit homebanking.vidafcu.org and click "Enroll" or "New User." You'll need your member number, Social Security number, and the email address Vida has on file. The setup takes about 5 minutes.

On the online banking login page, click "Forgot Password." You'll verify your identity through a code sent to your registered email or phone, then create a new password. If you can't access your registered contact methods, call Vida directly at (909) 983-1959.

Open the Vida mobile app, select Deposit, choose the account, enter the check amount, and take photos of the front and back of your endorsed check. Most deposits clear by the next business day. Daily and monthly deposit limits apply.

Bill Pay is free for all Vida members. Pay individuals and businesses, schedule recurring payments, and track payment history all from online banking or the mobile app.

Yes. The Vida FCU mobile app is available free on the App Store (iOS) and Google Play (Android). It includes account access, mobile deposit, Bill Pay, transfers, CardValet, and an ATM/branch locator.

In online banking or the mobile app, go to Settings, then Alerts. Choose which events trigger notifications (balance changes, transactions, deposits, payments) and how you want to receive them (email, text, push notification). Card-specific alerts are set through CardValet.

No. Vida charges zero overdraft fees, zero NSF (non-sufficient funds) fees, and zero overdraft protection fees. This is permanent, not a promotional period.

PayAssure Checking and Freedom Checking have no monthly maintenance fees. Dividend Checking has a low monthly service fee with options to waive based on balance or activity. Savings, Money Market, Certificates, and IRAs do not have monthly fees.

All current loan rates, savings rates, and the full schedule of fees are on our Rates page, updated regularly.

Incoming wires are free. Outgoing domestic wires are $20. Outgoing international wires are $35. Wires must be requested before 1:00pm PST for same-business-day processing.

Yes, at any of the 30,000+ CO-OP network ATMs nationwide and at the on-site ATM at our Ontario branch. Out-of-network ATMs may charge a surcharge from the operator, which Vida does not control.

Act fast:

• If your card is missing: call (800) 472-3272 (debit) or (855) 284-3957 (credit), 24/7
• If you suspect online banking is compromised: change your password and call Vida
• If you authorized a transaction you now think was fraud: call us at (909) 983-1959

You can also freeze your card instantly through CardValet on the mobile app.

A Vida employee will NEVER ask you for your password, PIN, or full account number, by phone, email, or text. We may call to verify a suspicious transaction, but we will not ask for these credentials. If someone claiming to be from Vida asks for them, hang up and call us directly at (909) 983-1959.

Online banking and mobile sessions use encrypted connections (SSL/TLS). Card transactions go through Visa's fraud monitoring system. We use multi-factor authentication for online banking enrollment and high-risk transactions. We never sell your information to third parties for marketing.

There are two separate Zelle dispute forms depending on the situation:

• Unauthorized transaction: someone sent Zelle from your account without your permission
• Transaction error: you sent Zelle but something went wrong (wrong amount, wrong recipient, etc.)

The most common scams targeting Vida members include impersonation calls (someone claiming to be from Vida asking for credentials), phishing emails, text scams about packages or tolls, romance scams, and pig butchering (cryptocurrency investment scams).

1520 N. Palmetto Ave., Ontario, CA 91762. Branch hours are Monday through Friday, 10:00am to 5:00pm. Closed on weekends and federal holidays.

Yes. Vida participates in the CO-OP Shared Branching network, which gives you access to your accounts at 5,000+ credit union branches at 1,800+ credit unions nationwide. You can deposit, withdraw, transfer, and make loan payments at any shared branch. Bring your member number and a valid photo ID.

Complete the Wire Transfer Request form online with the receiving institution's wire instructions. Vida will contact you to verify the request before processing. Domestic wires submitted before 1:00pm PST are processed same business day.

Log into online banking and update your address, phone, and email in Settings. You can also update by phone at (909) 983-1959 or in person at the branch. Vida requires current contact info for fraud alerts and important account notifications.

Yes. Vida serves a bilingual community in the Inland Empire and offers Spanish-language assistance both in branch and over the phone.

Account closures require a request in person at the branch or in writing with verified identity. Bring a valid photo ID. We'll process any final transactions and issue a check for your remaining balance. Closing your Regular Savings closes your membership.