Direct Deposit Promotion
By opening a checking account with qualifying direct deposits when you become a new member!
If you’re thinking of making a switch to become a Visions member – and need a safe, convenient place to keep your money – Visions wants to make the decision a bit easier. Join Visions between February 12th and June 30th, and when you open a checking account with qualifying direct deposits, you could earn an up-to-$500 cash bonus*.
We make it as easy as 1 – 2 – 3 to partner with Visions and get rewarded with a little extra cash just for banking with us.

Become a member and open a checking account using promo code:
DD500SPRING2026

Establish new, qualifying direct deposits to the new checking account within 90 days.

After those 90 days, you could earn one of these bonus amounts: $200 if your direct deposits total at least $1,000, $300 if they're at least $3,000, and $500 if they're at least $5,000!
Plus, you don’t have to deal with hassle or junk fees that you might find at other financial institutions. Instead, you get 24/7 convenience and exceptional service from the friendly team at Visions – and you can even unlock exclusive opportunities to earn bonus cash back in digital banking! So, let’s get started...
Choose the checking that's right for you
Flex Checking
Convenient, reliable, affordable.
· No monthly service charge
· No minimum balance requirement
· Unlimited check writing
· Complimentary Visa® debit card
· No dividends
Flex Checking Plus
More perks, more savings.
· Unlimited refunds on non-Visions ATMs
· Free official checks, money orders, and wire transfers
· Free stop payments on personal checks
· Complimentary Visa® debit card
· Dividends on all balances
The best part? It's all only $8 per month – and you may already qualify to have that waived!**
Whichever you choose, our checking accounts feature:
· 24/7 access at ATMs, over the phone, in digital banking, or at your local Visions branch and shared branch locations
· Overdraft coverage options – ask about our Readi Reserve!
· A variety of check options with customizations available
· Complimentary Visa® debit card, featuring:
· Tap to Pay convenience
· Fraud protection
· Card Controls available in digital banking
...and your choice of debit card design!
Additional Information
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Direct deposit for payroll, Social Security, and more
To set up a new direct deposit to your checking account, your employer or payment provider will need Visions routing number (221375378) and your checking account number in the correct format. Learn more about direct deposit.If you have an existing direct deposit, you can use ClickSWITCH to change it online – all in 60 seconds or less!
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Convenient transfers and deposits
In addition to accepting traditional deposits in branch and at ATMs, we also have a number of options to set up one-time or recurring automated transfers, deposits, and payments. Learn about deposits and transfers.Enroll in digital banking for access to a range of convenient solutions:
- Set up one-time or recurring transfers using the Funds Transfer tool
- Send money to family and friends with Zelle®
- Make member-to-member transfers
- Use our Express Deposit feature for online and mobile check deposits
...and more!
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Resources – Overdraft coverage and special checking options
Review our Overdraft Coverage solutions, including our Readi Reserve line of credit, Overdraft Protection, and Standard vs. Extended Coverage.Also available for your checking needs:
(note, the following accounts do not qualify for the bonus offer)
*Bonus Offer: APY = Annual Percentage Yield. Visions membership required with $1 minimum balance; membership eligibility restrictions apply, ask for details. Must open new Flex Checking or Flex Checking Plus account during promotional period to receive promotional offer; cannot have had any prior Visions membership. The offer does not apply to existing memberships opened prior to the offer period.
If qualifying, recurring (2 or more) direct deposits reach the following aggregates within 90 days of opening the new checking account, the following bonus may be earned: $200 bonus if aggregate totals between $1,000-$2,999.99; $300 bonus available if aggregate totals between $3,000-$4,999.99; $500 bonus available if aggregate totals $5,000 or more. Direct deposit cannot be reallocated from another Visions membership or Visions share account. Only one bonus will be issued based on the aggregate amount of new direct deposit funds as of day 90 from opening new checking account, regardless of subsequent deposits after day 90. Direct deposits must be payroll from employment, pension, or government benefit payments (e.g., Social Security) via the Automated Clearing House (“ACH”) Network. A paystub may be requested and required for verification that the direct deposit is payroll from employment to receive the bonus. Bonus will be credited 90 days after the open date of new checking account, will deposit to member’s primary savings, and is reportable for tax purposes.
Consumer accounts only; must be open and in good standing – see a representative for details. Guardian, rep payee or executor, collections charge-off, business, and/or organizational accounts are ineligible. Must be 18 years of age or older. Offer is only valid during promotional period from February 12, 2026 to June 30, 2026, with promo code. The promotional code is required at checking account opening to qualify for the bonus. Visions reserves the right to end or modify this promotion without notice. Member cannot take advantage of promotion more than once. Cannot be combined with any other checking account, membership, or referral promotion. Visit visionsfcu.org/checking for account details, minimums, and fees. Federally insured by NCUA.
**Flex Checking Plus: requires $1,000 minimum account balance or $25,000 in combined consumer deposit/loan balances at all times to avoid $8 monthly service charge. Fee waiver also available for veteran service members and their spouses; proof of service required for Veterans Program waiver and must be shown at account opening.
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