Binghamton University

We're proud to partner with Binghamton University

Introduction

Committed to our community for more than 50 years, we're a not-for-profit institution dedicated to giving back. We're volunteers, neighbors, community educators, and Binghamton University's official financial partner for all your banking needs.

All students, faculty, and staff at Binghamton University are eligible to join – and their immediate family can join, too! To get started, you can use the link below or visit any Visions branch, on or off campus.

Bonus opportunity for ages 18-25!

Account features

With a Visions account, you could access our product and services to support your financial well-being. Including the following opportunities:

• Savings accounts
• Checking account with a Visa^® debit card for convenient payments worldwide and 24/7 ATM access
• Direct deposit to your Visions account
• Apply for credit cards, loans, mortgages, and other lines of credit
• Open share certificates with competitive rates to earn you more
• Utilize our automated transfer and payment services
• Enroll in digital banking for 24/7 access to your Visions accounts and services like Card Controls, Zelle^®, Express Deposit, and more 
  
  ...plus, you could request our exclusive Bearcat debit card design!

Explore our website to see what's available or call 800.242.2120 if you need assistance. You can also check out our Wallet Wellness portal for our selection of free financial wellness resources. We're here to support you at all of life's stages.

Forward account for ages 18-25

In addition to the services above, you could enjoy the benefits of a Forward account for ages 18-25. Featuring exclusive savings and bonus opportunities designed to support this unique stage in your financial journey:

• Budget Saver – Special savings account to help budget between a high earning season and low earning season
• $50 Auto Loan Bonus – Cash bonus on your first Auto Loan with Visions!
• College Planning – Support for your college finances, from online resources to student loans to financial counseling

For a limited time, you could even qualify for a $25 new member bonus!*
We're offering a $25 new member bonus* for anyone between the ages of 18 and 25 who joins Visions between June 1st and August 31st, 2025. Just in time for New Student Orientation and the start of the fall semester!
 

Account opening requirements

To open an account, all you'll need is: 

• Valid state- or federal-issued photo ID with your address (or proof of address)
• Your Social Security number (SSN)
• One dollar 

When you're ready to open your account, get started online or visit us in person.

No Social Security number? No problem! 
We can accept other forms of ID to satisfy the above requirements, such as TIN/PAN with permanent foreign address, and more. Ask for details and exclusions.

Banking on campus, around town, and online

Our on-campus branch at Binghamton University is in The Union. Stop by this full-service Visions office, located conveniently beside the bookstore on the second floor of The Union. 

Branch hours:
Monday through Friday: 9:00am to 5:00pm

Click to enlarge map.

Important information for international students

Opening an Account
International students must provide their foreign permanent address and TIN/PAN number to open an account. Don’t have a TIN/PAN number? No problem! You may use the following items in place of a TIN/PAN number: Binghamton University ID, passport, Visa, I20 and proof of address (lease agreement).

International Wire Transfers
Do you need to wire money to your Visions account from another country? Learn about wire transfers. Best of all? Visions does not require a SWIFT code for international wires.

Additional Information

• What kinds of services come with my account?

  With your new account, you can open savings, checking with a Visa^® debit card, share certificates, and other products to support your deposit and payment needs. You can apply for credit cards, loans, mortgages, and other types of credit. You can also enroll in digital banking for free, utilize our Contact Center, and access CO-OP shared branching.

  Exclusively for ages 18-25, we offer a Forward account that provides the above opportunities, plus potential bonus opportunities, a special savings to support your college budget, and more – all designed to support this unique stage in your financial journey. Learn more about our Forward account. 

  Explore our website to see what you may qualify for, and speak with a representative to discuss your financial goals. If you'd like additional guidance, please consider our free, one-on-one financial counseling. It's a great way to address your financial needs and concerns with a Certified Credit Union Financial Counselor, review your personal finances, and explore your college budget in a way that works for you.
   

• What about ATMs?

  ATMs help to make our lives easier. Understanding them should be easy, too.
  Here’s what you need to know:

  There’s Visions, the CO-OP Network, and "Everyone Else"

  • Visions ATMs: Owned and operated by Visions, you can use these as often as you’d like without incurring any fees
  • CO-OP Network ATMs: Identifiable by their CO-OP logo, these ATMs are part of our nationwide, fee-free network
  • Other ATMs: Available worldwide, allowing you to access your Visions account wherever you are

  Daily Cash Limits

  • Visions ATMs: Take out up to $500 at a time, up to $1,000 per day
  • CO-OP Network and Other ATMs: Withdrawal limits and frequency are set by the network, participating financial institution, and/or ATM owner

  Fees for ATM Use

  • Visions and CO-OP Network ATMs: Use as often as you’d like – free of charge!
  • Other ATMs: Visions doesn't charge our members ATM fees, even if you use another company's ATM. Please note, however, that you may be charged a separate transaction fee by the ATM operator and network.

  Finding ATMs

  While ATMs are everywhere, we’ve made finding a Visions or CO-OP ATM easy. Just select “Locations” from the Visions FCU Mobile app, or check out our locations search feature.

• Going out of town? It’s no problem with Shared Branching.

  Bank without boundaries with the Credit Union Shared Network

  There are dozens of reasons to love your credit union account – great rates, low fees, local service – but sometimes life will take you places where we don’t have an office. That’s where the Co-Op Shared Branching Network comes in. With Shared Branching, you can access your Visions account nationwide – free of charge.

  Here’s how it works:

  Let’s say you’re out of town and can’t find a Visions location. You walk into a participating credit union with a different name, tell them you’re a Visions member (with valid ID and account number), and you perform the same transactions you would at any dedicated Visions branch.

  With Shared Branching, you can:

  • Deposit and withdraw cash
  • Transfer between accounts
  • Deposit checks
  • Purchase official checks and money orders

  With over 30,000 ATMs and more than 5,000 branches available nationwide, finding a location is easy.

  Just search:

  • “Locations” in the Visions FCU Mobile app
  • “Hours and Locations” at visionsfcu.org
  • “Find an ATM or Branch” at co-opcreditunions.org

  Long Island and NYC

  In New York City and Long Island in particular, there are several shared credit unions: Bethpage FCU, Teachers FCU, and Justice FCU.

*$25 New Member Bonus: Visions membership requires a $1 minimum deposit. New member is subject to membership requirements and cannot have existing Visions account or been a Visions member in the last 12 months. Ask a representative or visit visionsfcu.org/join for eligibility details. Only one bonus will be given per qualifying new member, regardless of number of accounts opened. $25 bonus will be deposited to primary savings of new member within 10 business days of account opening. May not be combined with other membership coupons. Bonus is reportable for tax purposes. Must be age 18-25 at time of account opening. Offer valid 06/01/2025-08/31/2025. Offer subject to change or expire without notice.