Open Account

What do I need to know to become a member and open an account?

We are so excited you want to become a VBSFCU member-owner! Please review the below information to learn what documents are needed to join VBSFCU,  apply for membership and open your account(s) with us.

How Do I Know If I Am Eligible?

We also will need to know how you are eligible for membership.

Where do I go to open an account?

Come visit either branch location to set up your account.  We can’t wait to meet you!

What types of picture ID’s do I need to bring?

Please bring at least one of the following picture I.D’s:

  • Valid Driver’s license or state identification card
  • Passport
  • Military I.D. (not a copy)
  • U.S. Resident Alien I.D.

What is a secondary ID?

You Will Also Need One of the following Secondary Forms of I.D.:

  • Social Security Card
  • Student ID
  • Birth Certificate
  • Police, DPS, or Sheriff ID
  • Major Credit Card
  • Employer ID
  • School System ID
  • State Employee Badge

What do I need to bring for Youth Accounts?

You will Need at Least One of the Following:

  • Dependent Military ID (cannot be photocopied)
  • Birth Certificate
  • Valid Driver’s Licence
  • State ID card

What is an acceptable Forms of Secondary-ID for Youth Accounts?

  • Social Security Card
  • Valid Learner’s Permit
  • Student ID

If you are unsure of what constitutes a third form of identification or have questions on how to open an account, please call 757-463-3650 ext 336 or toll-free: 1-877-482-7328.

Do I need to bring money to open an account?

Yes, when you come to one of our branches, please bring $25.00 for an adult savings account or $5.00 for a youth account (check or cash) to fund your savings account. This amount is your share of the credit union and stays in your savings account.

There is no minimum balance required for your checking account.

What information is required for New Accounts?

When you come into a branch, we will ask you to complete an application for membership. This also includes signing a  Patriot Act form and providing two forms of identification (see above).

If you are mailing in your application please have the application notarized and include photocopies of your identification.

We would also need to know how you are eligible for membership. Please bring a copy of a paycheck if you work for the school system, or a copy of your child’s report card if your child attends school in VBCPS or St. John the Apostle Catholic School. Please call us with any questions.


If you are joining because a family member referred you, please list that person’s name on your membership application. Click here to review all the ways you are eligible to join VBSFCU.


In order to maintain the security procedures that protect your account information and identity, we require proper verification to open an account with us.

All accounts are verified by Equifax. For more information on VBSFCU accounts call 757-463-3650 ext 336.

For information on the difference between your account balance and available balance click here

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. More Information