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 | Free |
| 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 Fees |
| Apply Now | Apply Now |
Disclosures
*New and existing Vantage West Members are eligible for one of three rewards options:
1) To qualify for the 10,000 Rewards Points bonus ($100 cash value), you must open an Essential Checking account or a Premium Rewards Checking account and complete each of the following within 60 days of account opening: Direct deposit an aggregate total of $2,000, complete 5 debit card transactions (transaction must be completed with the associated debit card), and register for electronic statements.
Or
2) To qualify for the 25,000 Rewards Points bonus ($250 cash value), you must open an Essential Checking account or a Premium Rewards Checking account and complete each of the following within 60 days of account opening: Direct deposit an aggregate total of $5,000, complete 10 debit card transactions (transaction must be completed with the associated debit card), and register for electronic statements.
Or
3) To qualify for the 45,000 Rewards Points bonus ($450 cash value), you must open an Essential Checking account or a Premium Rewards Checking account and complete each of the following within 60 days of account opening: Direct deposit an aggregate total of $7,500, complete 15 debit card transactions (transaction must be completed with the associated debit card), and register for electronic statements.
Promotion runs August 1, 2025 – September 30, 2025. Your checking account must remain open for at least six (6) months. If it is closed within six (6) months of the open date you may be responsible for reimbursement of any bonus awarded. Minimum opening deposit for Premium Rewards Checking and Essential Checking is $20.00. Limit one (1) new Premium Rewards or Essential Checking account, per Membership and per Member, will be eligible for the bonus. Offer only available to individuals who have not had a checking relationship with Vantage West in the past six (6) months. Offer valid for new Premium Rewards and Essential Checking accounts only. Conversions between Premium Rewards and Essential Checking are not eligible for the bonus. Must open or have a current Vantage West Credit Union Membership. Offer cannot be combined with any other offers associated with opening a checking account.
The Rewards Points will be credited to your rewards account within 30 days of the date the last requirement is met. Essential Checking does not earn additional rewards points. A qualifying product (Premium Rewards Checking or Credit Card) must be opened to continue earning rewards points. Your account must be in good standing at the time the bonus is awarded. Offer subject to change without notice.
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.
Premium Rewards Checking service fee (without qualifying waiver) is $12 per month.
Accurate as of April 1, 2025. Some products and services are subject to approval. Membership required. Certain restrictions may apply. Federally insured by NCUA.
