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Personal Checking

Volunteer Federal Savings Bank offers a variety of checking accounts with distinctive features designed to meet your needs.

Compare Volunteer Federal checking accounts

Vol Fed VolSmart Logo

Specially designed account with additional security, benefits and savings.

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Vol-Fed-Volunteer-Checking-Logo

Traditional Checking Account.

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Vol-Fed-Golden-Volunteer-Logo

An account for customers 55+.

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Vol Fed Simple Checking Logo

Low-cost account with no overdraft fees or checks.

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Vol Fed Health Savings Account Logo

An account designed to help set aside essential funds for medical-related expenses.

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Vol Fed Money Market Account Logo
An interest-bearing account that functions like a savings account but has features of a checking account.
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We’ve Got You Covered

All Volunteer Federal customers have access to these features for free, regardless of which account is opened.

Vol Fed Online Banking Icon

Online Banking
Digital banking makes it easy to pay bills, transfer funds, and manage your cards.

Vol Fed Mobile App Icon

Mobile App
Do your banking on the go with our free and secure app.

Vol Fed ATM Icon

ATMs
Access our ATMs at any of our six locations.

Vol Fed Secure Debit Card Icon

Secure Debit Card
Our debit cards have secure EMV chips for your protection.

Vol Fed eStatements Icon

eStatements
Sign up for paperless statements to get quick and secure updates on your account.

Account Features***Vol Fed VolSmart LogoVol Fed Volunteer Checking LogoVol Fed Golden Volunteer LogoVol Fed Simple Checking LogoVol Fed Health Savings Account LogoVol Fed Money Market Account Logo
Minimum to Open$100$100$100$25No Minimum to Open$2,500
Interest Bearing*Interest Earned with Daily Balance of $10,000Interest Earned with Daily Balance of $500Interest Earned with
Daily Balance of $2,500
Monthly Maintenance Fee$10
($6 if enrolled in
eStatements)		$6
(Waived if enrolled in
eStatements)		No Monthly Maintenance Fees$5
(Waived if enrolled in
eStatements)		No Monthly Maintenance Fees$10
Minimum Daily Balance Required to Avoid Maintenance Fee$1,500$2,500
Bounce Protection Available**CheckCheckCheckCheck
Free Debit Card ReplacementTwo Per Year
ChecksCheckCheckCheckCheckCheck
Free Cashier’s ChecksCheck
ID Protect Including Credit ReportCheck
Cellular Telephone ProtectionCheck
Accidental Death & Dismemberment InsuranceCheck
24/7 Telehealth AccessCheck

* Interest is compounded daily and credited to your account monthly. 

** You will be charged a $38.50 overdraft fee for each item paid or if the account is accessed when the balance is not sufficient for the amount of the transaction. Overdraft fees may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. ATM withdrawals and one-time debit card transactions are covered if you choose to opt-in to this service for those transactions. A debit or item may be presented for payment more than one time.  We may charge you returned item fees for each resubmission of a debit or re-presentation of an item, which means you may incur multiple returned item fees if a debit or item is returned more than one time. You should repay your overdraft, overdraft fees, and bring your account to a positive balance within 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. 

*** Other fees may apply. For full terms and conditions, contact a Volunteer Federal branch.

Vol Fed Money Market Account Logo
  • $2,500 minimum opening balance
  • Interest earned with minimum daily balance of $2,500 *
  • $10 monthly maintenance fee if minimum daily balance falls below $2,500
  • Bounce protection **

*Interest is compounded daily and credited to your account monthly.

** You will be charged a $38.50 overdraft fee for each item paid or if the account is accessed when the balance is not sufficient for the amount of the transaction. Overdraft fees may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. ATM withdrawals and one-time debit card transactions are covered if you choose to opt-in to this service for those transactions. A debit or item may be presented for payment more than one time. We may charge you returned item fees for each resubmission of a debit or re-presentation of an item, which means you may incur multiple returned item fees if a debit or item is returned more than one time. You should repay your overdraft, overdraft fees, and bring your account to a positive balance within 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.

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Vol Fed Health Savings Account Logo

HSAs are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your HSA Agreement or your tax advisor for additional information.

  • No minimum opening balance
  • No maintenance fee
  • Tax-exempt* account
  • Accountholder must be enrolled in a high deductible health plan
  • Interest earned with minimum daily balance of $500 **

*Consult a tax professional for tax advice.

**Interest is compounded daily and credited to your account monthly.

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Vol Fed Golden Volunteer Logo
  • 55 years or older
  • $100 minimum opening balance
  • No monthly maintenance fee
  • Unlimited check writing
  • Half-price check orders
  • Image statements
  • No interest earned
  • Bounce protection*

* You will be charged a $38.50 overdraft fee for each item paid or if the account is accessed when the balance is not sufficient for the amount of the transaction. Overdraft fees may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. ATM withdrawals and one-time debit card transactions are covered if you choose to opt-in to this service for those transactions. A debit or item may be presented for payment more than one time. We may charge you overdraft fees for each resubmission of a debit or re-presentation of an item, which means you may incur multiple non-sufficient funds fees if a debit or item is returned more than one time. You should repay your overdraft, overdraft fees, and bring your account to a positive balance within 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.

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Vol Fed Volunteer Checking Logo
  • $100 minimum opening balance
  • Unlimited check writing
  • $6 monthly maintenance fee (waived with enrollment in eStatements)
  • No interest earned
  • Bounce protection*

* You will be charged a $38.50 overdraft fee for each item paid or if the account is accessed when the balance is not sufficient for the amount of the transaction. Overdraft fees may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. ATM withdrawals and one-time debit card transactions are covered if you choose to opt-in to this service for those transactions. A debit or item may be presented for payment more than one time. We may charge you overdraft fees for each resubmission of a debit or re-presentation of an item, which means you may incur multiple non-sufficient funds fees if a debit or item is returned more than one time. You should repay your overdraft, overdraft fees, and bring your account to a positive balance within 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.

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Vol Fed VolSmart Logo
  • $100 minimum opening balance
  • $10 monthly maintenance fee ($6 when enrolled in eStatements). No maintenance fee if a minimum daily balance of $1,500 is kept.
  • Unlimited check writing
  • Free checks (2 boxes per year)
  • Free VISA® debit card replacement (2 per year)
  • Free cashier’s checks
  • Interest earned with minimum daily balance of $10,000*
  • IDprotect® – identity theft monitoring & resolution service¹
  • Cellular telephone protection²
  • Accidental death & dismemberment insurance²
  • Bounce protection**
  • 24/7 Telehealth Access²


¹ Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.


² Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Guide to Benefit and insurance documents are enclosed and can be found online at volsmart.clubchecking.com or through the Club Checking mobile app. If you wish to name a beneficiary for your accidental death and dismemberment insurance coverage, please complete a beneficiary form. If there is no designated beneficiary on file, benefits will be paid according to the Master Policy. As an eligible account holder, you are enrolled as a member of the Econocheck Association, of which your financial institution is a sponsor. For more information, please visit volsmart.clubchecking.com or call 1-866-210-0361. Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or bank affiliate.


³ Credit Score is a VantageScore 3.0 based on single bureau credit data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis.


⁴ Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.


⁵ Available for the account holder(s) and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is NOT insurance.

*Interest is compounded daily and credited to your account monthly.

** You will be charged a $38.50 overdraft fee for each item paid or if the account is accessed when the balance is not sufficient for the amount of the transaction. Overdraft fees may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. ATM withdrawals and one-time debit card transactions are covered if you choose to opt-in to this service for those transactions. A debit or item may be presented for payment more than one time.  We may charge you returned item fees for each resubmission of a debit or re-presentation of an item, which means you may incur multiple returned item fees if a debit or item is returned more than one time. You should repay your overdraft, overdraft fees, and bring your account to a positive balance within 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.

Learn more about Vol$mart: VolSmart Features.pdf

Access your benefits at: https://volsmart.clubchecking.com/

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Vol-Fed-Simple-Checking
  • $25 minimum opening balance
  • No overdraft fees (bounce protection is not available on this account)
  • No minimum monthly balance requirements
  • Debit card access
  • No checks
  • No interest earned
  • $5 monthly service charge (waived with enrollment in eStatements)
  • Monthly service charge is waived if primary account owner is 13-17 years of age. On the primary account owner’s 18th birthday, the account will automatically be subject to the monthly service charge.

$imple Checking is certified by the National Cities for Financial Empowerment Fund (CFE Fund) as meeting the Bank On National Account Standards. The goal of Bank On is to ensure that everyone has access to safe and affordable financial products and services.

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