No Monthly Fee
No minimum balance required — ever. Keep more of your money where it belongs.
Free MastercardTM Debit Card
Accepted everywhere MastercardTM is — in store, online, and in apps.
MastercardTM ID Protection
Dark web monitoring, fraud alerts, and 24/7 resolution — inside your Velocity app.
Budgeting Tools
Track spending and set budgets to see exactly where your money goes.
Credit Toolkit
Free credit score, simulator, and tips to build and protect your credit.
Send Money with Zelle®
Instant free transfers to anyone — no extra app needed.
Buy Now, Pay Later
Split purchases into payments right inside Velocity.
Card Management
Lock your card, set spend limits, and get real-time alerts instantly.
Refer a Friend
Earn rewards for every friend you bring to Velocity.
Want more from your checking account?
Velocity Rewards Checking adds over $81 in monthly value — telehealth, cell phone protection, roadside assistance, travel discounts, and Mastercard ID ProtectionTM — plus a 2.25% APY on balances up to $15,000. All for $6 a month, easily waived with $1,000 in direct deposit, $1,000 in card spend, and eStatements enrollment.
Ask a member services representative about upgrading today.
Get a Fresh Start with Access Checking
If you’ve had trouble getting or keeping a checking account, Velocity’s Access Checking gives you a fresh start. With just a $10 opening fee and a $15 monthly service fee, you’ll receive a checking account with checks or a debit card.
Stay in good standing for one year—no negative balances, overdrafts, or new charge-offs—and you may be eligible to move to a traditional checking account.
Ask your banker for details and start rebuilding today.
Ready to get started?
Affiliations
Zelle® and Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Get Paid Early: Qualifying direct deposit. Early access depends on payer submission timing and is not guaranteed.
ID Theft Protection: Mastercard ID ProtectionTM by Generali Global Assistance. Round up feature available on debit cards; see Agreements & Disclosures for details.
Overdraft Protection: A $5.00 fee is charged per overdraft transfer. Overdraft Transfer Fee may be imposed on ACH transactions, check drafts, and debit card purchases where applicable. Velocity Credit Union does not guarantee payment of all overdrafts and may decline to pay an overdraft at any time without prior notice.
Refer A Friend: Referred member must open a new Velocity checking account and meet qualifying requirements, e.g., completes 10 debit and/or credit card purchases within 60 days (excluding ATM transactions), AND complete one (1) electronic deposit of $250 or more (ACH, Mobile Deposits, or Zelle Deposits). No minimum balance required to earn the reward. Reward paid within 2-3 weeks of referral qualification completion. Program limits apply; maximum 10 rewards or $500 in rewards per calendar year. See velocitycu.com/refer for full program terms.
Rewards Checking: (1) Qualifying Monthly Activity: $1,000+ electronic deposit, $1,000+ combined card spend, enrolled in eStatements; (2) Monthly Service Fee: The $6 monthly service fee is waived with qualifying monthly activity. APY = Annual Percentage Yield. 2.25% APY is variable, applies to Rewards Checking balances up to $15,000 when qualifying monthly activity requirements are met. Balances over $15,000 earn 0.05% APY. The rates are subject to change after account opening. Refer to the current Deposit Rate sheet. Fees may reduce earnings on the account. Federally insured by NCUA.
Send Money with Zelle: Transfer times may vary; some transfers may take 1-3 business days. Recipient must have a Zelle-enabled account.
About Member Benefits
Benefits are available to personal checking account owner(s) and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration, and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate.