Rewards Plus Checking


  • Rewards points (1 for every $5 spent) on qualifying purchases with your Vantage West Visa Debit card
  • Dividends paid on average daily balances of $3,000 or more
  • Engagement dividend of 2.00% APY2 with 20 credit and/or debit transactions per month
  • Free monthly access to silver-level FraudScout ID protection and monitoring services3, and additional premium fraud resolution protections
  • Unlimited non-Vantage West ATM withdrawals and up to $10/monthly surcharge reimbursements
  • No monthly service fees with average daily balance of $3,000, or 20 monthly credit and/or debit transactions or a first mortgage with Vantage West4
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Rewards Checking


  • Rewards points (1 for every $5 spent) on qualifying purchases with your Vantage West Visa Debit card
  • Unlimited withdrawals at non-Vantage West ATMs
  • LifeStages ID & Fraud Resolution Services5, provided by CyberScout
  • All other benefits of Rewards Checking, including: mobile deposits, online bill pay, and money management tools
  • No monthly service fee with an average daily balance of $1000 or more, or complete 10 or more credit and/or debit card transactions in a month, or if you have a first mortgage loan with Vantage West6
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Essential Checking


  • No monthly services fees or minimum balance requirements
  • Low $20 opening deposit requirement
  • Free use of Vantage West ATMs
  • Free customizable Visa Debit card
  • Other benefits of Vantage West checking including: mobile deposits and money management tools
  • Essential Checking requires eStatements. Paper statements are not available.
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Rewards Plus Rewards Essential
Reward Points (1 point on every $5) No
Dividends No No
Free Visa Debit Card
Design Your Own Card
Money Management / Access Tools
Mobile Deposits
Unlimited Check Writing
Payment Confidence Options
Free ID RiskCompass From CyberScout
Free Card / Fraud Alerts
Free Lifestages ID & Fraud Resolution
FraudScout ID Monitoring Available For Purchase Available For Purchase
Foreign ATM Withdrawals $1.75
Unlimited Bill Pay $2/month
Opening Deposit $100 $20 $20
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Last Updated January 9, 2018
Disclosures

Some products and services are subject to approval. Membership required. Certain restrictions may apply. Federally insured by NCUA.

1A “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.

2The 2.00% (APY) Annual Percentage Yield engagement dividend for Rewards Plus Checking is paid on average daily balance up to $5000 and is subject to change.

3Silver-level FraudScout bundle available at no charge to Rewards PLUS Checking account Primary Accountholders who choose to accept it; service is not automatic and enrollee must complete all enrollment steps before receiving any FraudScout benefits. Additional service bundles available for purchase. Must be 18 years or older with a valid Social Security Number, email address, and access to the internet. See FraudScout Terms and Conditions for additional information.

4Rewards PLUS Checking service fee (without qualifying waiver) is $16 per month.

5LifeStages ID & Fraud Resolution Services are provided by CyberScout®, and do not reimburse for any financial losses. Services are available to Vantage West Essential, Rewards, and Rewards PLUS account-holders, and anyone living in those account-holders’ immediate household, including children of the account holder through age 23 who are away from home as full-time students.

6Rewards Checking service fee (without qualifying waiver) is $5 per month.