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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) 0.10% - 0.25%

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 .25%.
  • Charges a monthly fee. This account charges a monthly maintenance fee of up to $8, but the fee is waived if you keep a minimum balance of $1,000.
  • $25 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • No ATM fees. Visions Federal Credit Union Flex Checking Plus does not charge fees on ATM transactions.
  • 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.
  • Access to physical branches.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Not FDIC-insured.
  • Only available in 3 states.
  • 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 .10% and ranging up to .25% (APY stands for annual percentage yield, rates may change).

Visions Federal Credit Union Flex Checking Plus Rates and Terms
Rates Amount
APY (Annualized Percentage Yield) .10% - .25%

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 Initial Deposit $25
Minimum Combined Balance to Avoid Monthly Fee $25,000
Minimum Balance to Avoid Monthly Fee $1,000

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

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

Visions Federal Credit Union Flex Checking Plus Fees
Description
Monthly Fee $0 - $8
Paper Statement Fee N/A
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $0
NSF Fee $30
Overdraft Protection Fee (per transfer) $3
Overdraft Item Fee $30
Early Account Closure N/A
Returned Deposit Fee (Domestic) $30
Debit Card Replacement Fee $10
Bank Teller Fee N/A
Check Cashing Fee N/A
Online Bill Pay Fee $0
Stop Payment Fee $0
Check Image Service N/A
Check Copy $2
Foreign Transaction Fee (Debit Card) 1%
Wire Transfer Fee - Domestic (Outgoing) $0
Wire Transfer Fee - International (Outgoing) $0
Wire Transfer Fee - International (Incoming) $0
Returned Deposit Fee (International) $30
Wire Transfer Fee - Domestic (Incoming) $0
ATM Reimbursement Monthly Limit $0

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

This account includes the following features:

  • 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 Bill Pay - 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. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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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

Minimum Combined Balance to Avoid Monthly Fee $25,000
Minimum Initial Deposit $25
Minimum Balance to Avoid Monthly Fee $1,000
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $0
Online Bill Pay Fee $0
Stop Payment Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $0
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $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
Bank Account Features
  • No ATM Fees
  • Branch Access
  • NCUA Member
  • Debit Card
  • Free Bill Pay
  • Fraud Monitoring
  • Mobile Banking
  • Nationwide ATM Network
  • Interest Bearing Account
  • Mobile Check Deposit
APY (Annual Percentage Yield) 0.10% - 0.25%

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