Vantage Rewards Checking—everyday benefits

Responsible financial management deserves a reward! With Vantage Rewards Checking, enjoy the checking account features you’d expect—digital banking, bill pay, eStatements, mobile wallet, debit card—AND much more.

Our rewarding benefits go beyond expectations to help you save money. Experience thousands of discounts with our mobile app—Vantage Checking Rewards*—along with added features like ID theft aid,1,2 roadside assistance, cell phone protection,1,2 Billshark bill negotiation3 and more! 

You hold the power to keep life affordable.

Open my Rewards Checking


Saving money is simple.

  • Roadside Assistance
  • Health Savings Card
  • ID Theft Aid1,2
  • Cell Phone Protection1,2
  • $10,000 Travel Accidental Death Coverage
  • Shop Local, Save Local with Vantage Checking Rewards*
  • Billshark3
  • Buyer's Protection and Extended Warranty2

Access your benefits

Vantage Checking Rewards powered by Bazing

Vantage Rewards+ Checking—you can have it all

Wise financial decisions can help you achieve even more. With Vantage Rewards+ Checking, enjoy all the features and benefits of our Vantage Rewards Checking account PLUS interest.

You’ll earn interest for responsibly maintaining your account, benefit from money-saving discounts with our mobile app—Vantage Checking Rewards—along with added features like ID Theft Aid, Roadside Assistance, Cell Phone Protection and more!

Choose checking that goes beyond rewards!

Open my Rewards+ Checking

Earn 0.25% APY^ on balances
up to $5,000

Effective: July 1, 2022

Access your benefits

Vantage Checking Rewards powered by Bazing

Vantage Checking—keeping it simple

The path to financial success starts here. With Vantage Checking, you’ll have access to the tools you need on your journey to financial success: free digital banking, bill pay, eStatements and debit card.

  • No minimum balance requirement
  • No debit card transaction minimums
  • No direct deposit/ACH requirement
  • Overdraft protection options

Go with free checking!^^

Open my Vantage Checking

Looking for something more rewarding?

Check out our Rewards Checking account.



Are you an educational employee?

Our Legacy Checking account is just for you!

Legacy Checking—exclusively for educational employees

Education is our legacy—and yours. Founded by teachers, we're committed to serving members of the educational community on their financial journeys. Our Legacy Checking account is designed specifically for educational employees like you! It offers high value in both interest earnings and fee rebates—helping you reach your financial goals even faster.

Forget the apple. Get real rewards from your checking!

Legacy Checking Benefits:

  • Interest-bearing (increases with debit card usage)**
  • No minimum balance requirement
  • No monthly maintenance fee
  • NSF fee rebates (quarterly, by request)
  • Automatic overdraft fee rebates
  • 0% down educator mortgage††

Open my Legacy Checking

Legacy Checking Rates**

<20 debit card purchases (don’t meet account qualifiers)0.10% APY^

20-29 debit card purchases (meet account qualifiers)0.50% APY^

30+ debit card purchases (meet account qualifiers)1.25% APY^


Interest paid on account balances up to $5,000
Rates effective: May 1, 2021

Choose your debit card design!

debit card designs
Rising insurance rates
Insurance premiums. While this topic may not be top of mind, you’ll get a reminder when your premium comes due. Home and auto insurance rates are on the rise. Why is this happening—and perhaps more importantly, what can the average consumer do?
Learn more
Get the credit card that fits your lifestyle!
We have credit card options for world travelers, rewards lovers and people just looking for a quick and convenient way to handle everyday expenses. With the worldwide acceptance of Mastercard® and the local support of Vantage Credit Union, our cardholders get the best of both worlds.
Learn more
Choose Vantage for stress-free auto financing!
Should you get that shiny convertible or a sensible hybrid? We can’t tell you which vehicle is right for you, but we could help with your auto loan. Apply for financing before you start your search, and browse our Indirect Dealer Network for even greater convenience.
Learn more
Unlock Financial Flexibility
You could take .25% off the prime rate and enjoy flexible payments when you open a home equity loan or line-of-credit.
Learn more

Discover the money-saving benefits of our checking accounts.


 Vantage Rewards+
Vantage Rewards
Anywhere Banking Tools
Digital banking, bill pay, debit card and eStatements.
ID Theft Aid1,2
Includes payment card fraud resolution, $2,500 in personal identity theft benefit and identity restoration.
Roadside Assistance
Available 24/7 and free to use, up to $80 in covered service charges.
Health Savings Card
Save money on prescriptions, eye exams, frames, lenses and hearing services.
Cell Phone Protection1,2
Receive up to $400 per claim ($800 per year) if your cell phone is broken or stolen.
Shop Local, Save Local with Vantage Rewards Checking*
Local discounts and national retailer deals to save your money on shopping, dining, travel & more.
$10,000 Travel Accidental Death Coverage2
Peace of mind for the unexpected.
Buyer's Protection & Extended Warranty2
Newly purchased items are protected for up to $2,500 per item or accidental breakage occurs during the first 180 days of purchase, when purchased using your Vantage Rewards checking account.
Let our team of experts negotiate your internet, TV, cell phone, and home security services on your behalf, or cancel subscriptions you no longer want or need.
Earn Interest
Conditional high interest rate on your checking balance.
Open my checkingMaintain $1,500 minimum balance, and we'll waive the $8 monthly fee.Only $6 per month.Free with eStatements.

Overdraft Protection

Mistakes happen. You forget about an annual recurring payment or to transfer funds for a purchase that exceeds your balance. Vantage offers three types of overdraft protection that could help you avoid merchant fees or being declined at checkout in these situations.


1) Personal Line-of-Credit

If you overdraw your available checking account balance and have a linked Personal Line-of-Credit, funds automatically transfer, subject to available credit limit, from the line-of-credit to cover your overdrafts for a nominal fee per transfer. You must apply and be approved for a Personal Line-of-Credit, and since it’s a line-of-credit, finance charges apply to all advances. You must also have the overdraft feature elected in order for the funds to transfer.

Apply for my Personal Line-of-Credit



2) Overdraft from Regular Savings

If you don’t have a linked Personal Line-of-Credit or have exhausted your line-of-credit, funds can be automatically transferred from your Regular Savings account to cover your overdrafts. Each automatic overdraft transfer from Regular Savings incurs a nominal fee.



3) Courtesy Pay

If the available balance in your Regular Savings account will not cover your overdraft, our Discretionary Courtesy Pay service may cover overdrafts after first deducting our standard Courtesy Pay Fee for each transaction.

Our Discretionary Courtesy Pay service is not a loan or line-of-credit, is offered at our discretion and may be removed at any time. Learn more about extended overdraft coverage within digital banking.

dining couple
Manage your accounts from anywhere

Manage your accounts from anywhere

Free digital banking.

Access cash fast!

Access cash fast!

30,000+ ATMs nationwide.

Tap and go

Tap and go

Contactless cards make payment even faster!

Ready to make the switch? Find a more rewarding experience!


All members must maintain a membership share of $5 per primary account.

*Participating merchants on Vantage Checking Rewards are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.

^All deposit rates disclosed as Annual Percentage Yield (APY). Rate may change after account opening. Fees could reduce earnings.

^^Vantage Checking is free with eStatements.

1Subject to the terms and conditions detailed in the Guide to Benefits. 


3Billshark requires activation.

**Rate varies depending on debit card usage and meeting account qualifiers. You must have at least one (1) direct deposit, Automated Clearing House ("ACH") credit, remote deposit, or payroll deduction transaction of $250 or more post to your account per month; and enroll and receive electronic statements ("eStatements"). Alumni Club members are exempt from the eStatement requirement. Fees could reduce earnings.

Each Legacy NSF Rebate must be requested by account holder and will be honored once per quarter.

††Subject to credit approval. Consult a Mortgage Solutions, LLC Mortgage Loan Officer for detailed requirements that apply.

Mortgage Solutions, LLC (NMLS #277481). Missouri Residential Mortgage License, Illinois Residential Mortgage Licensee, Kansas Licensed Mortgage Company, Arkansas Licensed Mortgage Company. Mortgage Solutions, LLC dba Mortgage Solutions CU, LLC, Oklahoma Mortgage Lender. Equal Housing Lender.