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  Visions Federal Credit Union Flex Checking Plus

Visions Federal Credit Union Flex Checking Plus

in Checking Accounts from Visions Federal Credit Union

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Visions Federal Credit Union Flex Checking Plus

Unaffiliated

in Checking Accounts from Visions Federal Credit Union

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Highlights
Monthly Fee $0 - $8
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee Starting at $1,000
APY (Annual Percentage Yield) 0.05% - 0.1%

Visions Federal Credit Union Flex Checking Plus Review

Visions Federal Credit Union Flex Checking Plus is offered by Visions Federal Credit Union, a credit union founded in 1966 and based in Endicott, NY. Visions Federal Credit Union Flex Checking Plus is available in 3 states across the USA.

Key Takeaways
  • Higher than average APY. Visions Federal Credit Union Flex Checking Plus has an annual percentage yield of up to 0.1%, which is higher than the national average interest rate on savings accounts.
  • Charges a monthly fee. This account charges a monthly service fee of up to $8, but the fee is waived if you keep a minimum balance of $1,000.
  • No ATM fees. Visions Federal Credit Union Flex Checking Plus does not charge fees on ATM transactions.
  • ATM fee reimbursements. This account will reimburse you for ATM fees (see terms and conditions for details).
  • Bill pay. Pay your bills to practically anyone in the United States through Visions Federal Credit Union.
Visions FCU checking account Pros & Cons
Pros Cons
  • Interest-yielding account.
  • Insured by NCUA.
  • Access to physical branches.
  • Free debit card
  • Not FDIC-insured.
  • Only available in 3 states.
  • Higher than average wire transfer fees.
  • Monthly service charge.
Visions FCU checking account FAQ

Are checking accounts from Visions Federal Credit Union federally insured?

No, your Visions Federal Credit Union checking accounts are not insured by a federal insurance agency. This means that if Visions Federal Credit Union were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

What APY does Visions FCU checking account offer?

Visions FCU checking account offers an APY starting at 0.05% and ranging up to 0.1% (APY stands for annual percentage yield, rates may change).

Visions FCU checking account Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.05% - 0.1%

What are the account minimums for Visions FCU checking account?

Visions FCU checking account requires a minimum initial deposit of $25 to open an account.

Visions Federal Credit Union Flex Checking Plus Minimums
Description
APY Minimum Balance $0
Minimum Combined Balance to Avoid Monthly Fee $25,000
Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $1,000

What fees does Visions FCU checking account charge?

This account charges a monthly service fee of up to $8.

Visions Federal Credit Union Flex Checking Plus Fees
Description
ATM Fee: In-Network $0
Check Copy $2
Debit Card Replacement Fee $10
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0 - $8
NSF Fee $30
Online Bill Pay Fee $0
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $3
Returned Deposit Fee (Domestic) $30
Returned Deposit Fee (International) $30
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $60
ATM Fee: Out-of-Network $0

Does Visions FCU checking account charge overdraft fees?

Yes, Visions FCU checking account charges a $30 fee for every overdraft.

Visions FCU checking account offers overdraft protection at a cost of $3 per transaction.

What features and perks does Visions FCU checking account offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for any domestic ATM fees.
  • Fraud monitoring - Visions FCU checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Visions FCU checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Visions FCU checking account?

The customer support email for Visions FCU checking account is trust@visionsfcu.org.

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Message From Visions Federal Credit Union Flex Checking Plus

We all use our checking accounts differently, from purchases to direct deposit and everything else in between. That’s why here at Visions, we believe in offering options designed for what matters to you. Looking for something simple and reliable? Our Flex Checking account has no minimum balance or deposit requirements – just use your money however you want, wherever you want.

Speaking of wherever you want, our Flex Checking Plus is perfect for travelers, reimbursing ATM fees and saving you big when you’re out of town. Not only that, it rewards you for building your savings, too, earning you dividends on your deposits – and a whole lot more. Flex Checking Plus – More benefits. Less cost.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:30am - 6:00pm
  • Tuesday 8:30am - 6:00pm
  • Wednesday 8:30am - 6:00pm
  • Thursday 8:30am - 6:00pm
  • Friday 8:30am - 6:00pm
  • Saturday 8:30am - 2:00pm

Other Services by Visions Federal Credit Union

Availability

  Available in 3 states
  • New Jersey
  • New York
  • Pennsylvania

Feature Breakdown

APY Minimum Balance $0
Minimum Combined Balance to Avoid Monthly Fee $25,000
Minimum Opening Deposit Starting at $25
Minimum Balance to Avoid Monthly Fee Starting at $1,000
ATM Fee: In-Network $0
Online Bill Pay Fee $0
ATM Fee: Out-of-Network $0
Check Copy $2
Debit Card Replacement Fee $10
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0 - $8
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $3
Returned Deposit Fee (Domestic) $30
Returned Deposit Fee (International) $30
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $60
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • ATM Reimbursement
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Insured by NCUA
  • Branch Access
APY (Annual Percentage Yield) 0.05% - 0.1%

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