Last Updated: 01/21/2026
Vital FCU Elite Checking Account
Unaffiliated
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.10% - 0.30%(Verified 09/23/2024)
Monthly Service Fee
$0(Verified 01/21/2026)
Vital FCU Elite Checking Account Review
The Vital FCU Elite Checking Account is offered by VITAL Federal Credit Union, a credit union founded in 1964 and based in Spartanburg, SC. Vital FCU Elite Checking Account is available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- Higher than average APY. Vital FCU Elite Checking Account has an annual percentage yield of up to 0.30% (depending on balance), which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $150.00.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- Large minimum initial deposit. You need a minimum deposit of $2,500.00 to open an account. This is a relatively large minimum initial deposit when compared to the other accounts that we track.
- No ATM fees. Vital FCU Elite Checking Account does not charge fees on ATM transactions within its network but there is a fee of $2.25 for out-of-network ATM transactions .
Vital FCU Elite Checking Account Pros & Cons
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Vital FCU Elite Checking Account FAQ
Are checking accounts from VITAL Federal Credit Union federally insured?
Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does Vital FCU Elite Checking Account offer?
Vital FCU Elite Checking Account offers an APY starting at 0.10% and ranging up to 0.30% (APY stands for annual percentage yield, rates may change). However, to earn interest, you must keep an average beginning day balance of at least $150.00.
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.10% - 0.30% |
What are the account minimums for Vital FCU Elite Checking Account?
Vital FCU Elite Checking Account requires a minimum initial deposit of $2,500.00.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $150.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $2,500.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Vital FCU Elite Checking Account charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | $2.25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $12.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $20.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $2.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Vital FCU Elite Checking Account charge overdraft fees?
Yes, Vital FCU Elite Checking Account charges a $30.00 fee for every overdraft.What features and perks does Vital FCU Elite Checking Account offer?
This account includes the following features:
- Mobile Banking Services - Vital FCU Elite Checking Account allows you to manage your money online or with a mobile app. This includes depositing checks1 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 Vital FCU Elite Checking Account?
The customer support email for Vital FCU Elite Checking Account is info@vitalfcu.com.
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Contact
Headquarters
Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:00PM
Tuesday
8:30AM - 5:00PM
Wednesday
8:30AM - 5:00PM
Thursday
8:30AM - 5:00PM
Friday
8:30AM - 5:00PM
Saturday
Closed