VBSFCU Coronavirus COVID-19 Update: Please click here for current information and how to connect with us. 

The Bonney Road branch will close at 1:00 pm on Friday, July 17 to replace the air conditioning unit on the building. The Salem road office will be open. All electronic access will be available. 

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The Secure Checking Account

Your peace of mind is very important to us.  Identity Theft is rampant and knowing which products are best may be confusing and expensive.  Finding a solution that will simultaneously help you protect your identity, and offer benefits such as cash rewards was a difficult task – but we found the perfect solution!

With our Smart Choice Checking program – your protection benefits include:

Already a Smart Choice Checking Member?
For assistance with Identity Theft Insurance, call 1-866-622-5205


Identity Fraud Support Service

A highly trained team of specialists is ready to provide assistance when you become a victim of identity theft. This comprehensive service is designed to help you with the hassle of clearing your good name.

For assistance with the Identity Fraud Support Service or to file a claim call: 1-866-622-5205


Everyday Rebate Rewards

Everyday Rebate Rewards offers quarterly rebates on your everyday purchases up to $20.00 a quarter – That’s $80.00 a year!


Everywhere Cash SavingsSM

Everywhere Cash Savings allows you to save money while shopping online.  Simply go online and click or print your way to savings.  Also, make sure to download the Savings on Tap Mobile coupon app, available for Apple and Android.

How do I access these benefits?

When you opened your Smart Choice Checking account, you were given a booklet with access codes and contact phone numbers. As a first time user, enter the Activation code listed on your membership cards provided in the new account kit.

Everywhere Cash Savings

What Does It Cost?

The monthly fee is $4.55, however, if you do at least sixty (60) VISA debit card transactions a month, the fee is waived!


Peace of Mind

Smart Choice Checking provides you with the peace of mind to know your identity is protected and offers many other cost-saving benefits. Review the packet you received during the account opening for complete information.

What is Identity Theft?

Identity theft occurs when someone acquires a piece of your personal information and uses it to commit a crime.  Offenses involving identity theft are on the rise.

In addition, These are the crimes most frequently reported to the Federal Trade Commission today.  Fraudsters commit these crimes in person, by telephone, on the internet or through the mail. They also pick through mailboxes looking for account statements. An easy way to protect yourself is to sign up for e-statements for all your banking relationships.

How Do I Sign Up For These Services?

If you own a Smart Choice Checking account, sign up for each benefit of your choosing by following their links or sign up for all by clicking here. There is no additional cost to take advantage of these services. Remember, you will need the booklet that was given to you when you opened your Smart Choice Checking account for the access code and password information. If you don’t have a booklet, give us a call at 757-463-3650.

Membership must be active at the time of activation.


How do I open a Smart Choice Checking Account?

If you are already a VBSFCU member with a savings account, visit one of our branches to open a Smart Choice Checking account.


How do I become a member?

Welcome! We are excited to meet you! Please visit our Who Can Join page to check if you qualify for membership. If you already know you qualify, visit the Open an Account page to learn what you need to bring to become a member.

So now you learned about Smart Choice Checking! Is your next stop a car or personal loan?

Visit our Loan Center page to learn more!


What Does VBSFCU Do For Our Local Community?

Learn about our Do Good programs and how we give back locally.