Essential Checking
- No monthly service fees w/eStatements
- No minimum balance requirements
- Low $20 opening deposit requirement
- Free use of Vantage West ATMs
- Mobile deposits and money management tools
Premium Rewards Checking
- Rewards points (1 for every $5 spent) on qualifying purchases with your Vantage West Visa Debit card1
- Dividends paid on all balances
- Low $20 opening deposit requirement
- Unlimited withdrawals at Vantage West ATMs
- Reimbursement of surcharge fees at non-Vantage West ATMs up to $7/month
- No monthly service fees with average daily balance of $3,000, or combined average daily balance in all deposit accounts of $10,000 or monthly net direct deposit of $7502
| Premium Rewards | Essential | |
|---|---|---|
| Reward Points (1 point on every $5) | ||
| Dividends | ||
| Free Visa Debit Card | ||
| Budgets / Savings Goals | ||
| Mobile Deposits | ||
| Unlimited Check Writing | ||
| Free Card / Fraud Alerts | ||
| Foreign ATM Withdrawals | Up to $7/month reimbursed at non Vantage West ATMs | $1.75 |
| Unlimited Bill Pay | ||
| Opening Deposit | $20 | $20 |
| Monthly Fee | $12 | No monthly service fees w/ eStatements |
| Fee Waivers | 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 monthly service fees w/ eStatements |
| Apply Now | Apply Now |
Disclosures
1 Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points. Points can be redeemed for cash back, merchandise, gift cards, travel, and charitable donations. A “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. See Vantage West Rewards terms and conditions PDF for details and restrictions of the program.
No monthly service fee with eStatements on the Essential Checking account. No monthly service fees with an average daily balance of $3,000 or a combined average daily balance in all deposit accounts of $10,000 or a monthly net direct deposit of $750 for Premium Rewards Checking. Premium Rewards Checking service fee (without qualifying waiver) is $12 per month. The minimum opening deposit is $20.00.
Accurate as of October 1, 2025. Some products and services are subject to approval. Membership required. Certain restrictions may apply. Federally insured by NCUA.