Premium Rewards Checking

  • Rewards points (1 for every $5 spent) on qualifying purchases with your Vantage West Visa Debit card
  • Dividends paid on all balances
  • Low $20 opening deposit requirement
  • Option to purchase FraudScout ID protection and monitoring services2
  • 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 $7503
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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
  • Mobile deposits and money management tools
  • Essential Checking requires eStatements. Paper statements are not available.
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Premium Rewards Essential
Reward Points (1 point on every $5)
Free Visa Debit Card
Design Your Own Card $3.00
Budgets / Savings Goals
Mobile Deposits
Unlimited Check Writing
Free ID RiskCompass From CyberScout
Free Card / Fraud Alerts
FraudScout ID Monitoring Available For Purchase Available For Purchase
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
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Last Updated February 4, 2020. 

Some products and services are subject to approval. Membership required. Certain restrictions may apply. Federally insured by NCUA. LifeStages ID & Fraud Resolution Services are provided by CyberScout®, and do not reimburse for any financial losses. Services are available to checking 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.

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.

2Service is not automatic and enrollee must complete all enrollment steps before receiving any FraudScout benefits. 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.

3Premium Rewards Checking service fee (without qualifying waiver) is $12 per month.If you converted from a Premium Checking to Premium Rewards Checking account the fee waiver through a first mortgage is grandfathered in if the mortgage was funded before Nov. 5, 2018.