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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 $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
  • Low APY. The maximum annual percentage yield for this account is only 0.1%.
  • 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 the ATM fees charged by other financial institutions.
  • Free bill pay. Pay your bills to practically anyone in the United States through Visions Federal Credit Union.
  • Hard credit pull. Visions Federal Credit Union may require a hard pull on your credit report to open a checking account.
Visions Federal Credit Union Flex Checking Plus Pros & Cons
Pros Cons
  • Interest-yielding account.
  • Deposits are insured by the NCUA (up to $250K).
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • Not FDIC-insured.
  • Only available in 3 states.
  • Higher than average wire transfer fees.
  • Monthly service charge.
Visions Federal Credit Union Flex Checking Plus 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 Federal Credit Union Flex Checking Plus offer?

Visions Federal Credit Union Flex Checking Plus offers an APY starting at 0.05% and ranging up to 0.1% (APY stands for annual percentage yield, rates may change).

Visions Federal Credit Union Flex Checking Plus Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.05% - 0.1%

What are the account minimums for Visions Federal Credit Union Flex Checking Plus?

Visions Federal Credit Union Flex Checking Plus requires a minimum initial deposit of $25 to open an account.

Visions Federal Credit Union Flex Checking Plus Account Minimums
Description Amount
Minimum Opening Deposit $25
Minimum Combined Balance to Avoid Monthly Service Fee $25,000
Minimum Balance to Avoid Monthly Service Fee $1,000

What fees does Visions Federal Credit Union Flex Checking Plus 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 Federal Credit Union Flex Checking Plus charge overdraft fees?

Yes, Visions Federal Credit Union Flex Checking Plus charges a $30 fee for every overdraft fee.

Visions Federal Credit Union Flex Checking Plus offers overdraft protection at a cost of $3 per transaction.

What features and perks does Visions Federal Credit Union Flex Checking Plus offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks.
  • Fraud monitoring - Visions Federal Credit Union Flex Checking Plus monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Visions Federal Credit Union Flex Checking Plus 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

  • Headquarters
  •   24 McKinley Avenue
    Endicott, NY 13760
  •   Visit Site

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 $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
Bank 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
  • NCUA Member
  • Branch Access
APY (Annual Percentage Yield) 0.05% - 0.1%

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