Share Draft Checking

Vermont Federal offers two competitive checking products designed for your personal banking style. 

Share Draft Checking - Our Basic Checking Account  
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• No minimum balance
• No monthly maintenance fees
• Overdraft Privilege Plus (restrictions apply)
• Simple online check ordering
• Monthly statements (paper or electronic)

ReWARD Checking - Our Premiere Checking Account (see account details )
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ReWARD checking offers you all the features of our basic share draft checking account, with the opportunity to earn 1.50% APY* and free ATMs*. Simply meet certain account requirements by using a combination of remote and electronic services.

VRS Elite™

VRS Elite™ provides America's leading identity fraud Victim Resolution Services to individuals, families and organizations to help fight identity fraud. Resolution of identity theft issues can be time-consuming and intensive.  Vermont Federal now has VRS Elite™ available at no charge to all share draft checking account holders and at a discounted rate for all other Vermont Federal members. Make sure VRS Elite™ is part of your identity protection strategy. Learn More!

Debit Cards

With our debit card, you can combine the convenience of an ATM card with the power of the MasterCard logo.

• Purchases are deducted directly from your ReWARD or Share Draft checking account
• No Annual Fee
• No foreign fee when using any Vermont Federal or Falcon ATM

Overdraft Privilege Plus (ODP)

Sometimes unforeseen expenses can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be a costly, inconvenient and potentially embarrassing experience.

Although we do not encourage overdrafts, we want to help you avoid the additional merchant fees and damage to your credit history that returned checks can create. To be eligible for this service you must meet certain qualifications. Please contact a Member Service Representative for additional information. More info on Regulations.