Checking

The following information provides a general outline of account options designed to ensure you have the right checking account to meet your particular money management needs. More detailed information on each of these options is available upon request - we have a host of new accounts professionals who will be happy to assist you.

Checking At Volunteer Federal

Each of our personal checking accounts have overdraft bounce protection* available. More detailed information on each of our account options is available upon request – our banking professionals who will be happy to assist you. All of our deposit account holders can enroll in online banking and bill pay, at no extra cost. As an added benefit, our account holders can order their checks directly from Volunteer Federal.

New to Volunteer Federal?
Our Switch Kit can assist you in making a smoother transition.

Volunteer Checking

  • $100 minimum opening balance
  • Unlimited check writing
  • $5 paper statement fee will be applied monthly (waived with e-Statement enrollment)
  • No interest earned

Safekeeping Checking

  • $200 minimum opening balance
  • $6 monthly service charge if minimum daily balance falls below $500
  • Unlimited check writing
  • Monthly statements
  • Interest earned

Return Checking

  • $200 minimum opening balance
  • $7.50 monthly service charge if minimum daily balance falls below $1,000
  • Unlimited check writing
  • Image statements
  • Interest earned

Golden Volunteer Checking

  • For our friends 55+ years of age
  • $100 minimum opening balance
  • No monthly service charge
  • Unlimited check writing
  • Free box of personalized checks at account opening
  • Image statements
  • No interest earned

Vol$mart Checking

  • $10,000 minimum opening balance
  • $10 monthly service charge if minimum daily balance falls below $10,000
  • Unlimited check writing
  • Monthly statements
  • Interest earned

CD Checking

  • $7,500 minimum opening balance
  • $10 monthly service charge if minimum daily balance falls below $7,500
  • Unlimited check writing
  • Image statements
  • Interest earned

Money Market

  • $2,500 minimum opening balance
  • $6 monthly service charge if minimum daily balance falls below $2,500
  • Limited to six transactions monthly
  • Image statements
  • Interest earned

Business Checking

  • $200 minimum opening balance
  • Variety of checks including laser checks for Quickbooks and other softwares
  • Imaged Statements
  • No interest earned

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NOTICE – UNLAWFUL INTERNET GAMBLING ENFORCEMENT ACT OF 2006
This notification is provided pursuant to the Unlawful Internet Gambling Enforcement Act of 2006 which Volunteer Federal Savings Bank is required to enforce. The Act prohibits any person engaged in the business of betting or wagering, or any other commercial customers, from knowingly accepting deposits or other credits or payments of any kind in connection with the participation in unlawful Internet gambling. As an accountholder, these restricted transactions are prohibited from being processed through the account or relationship with us. If you engage in an Internet gambling business and open an account with us, we must ask that you provide evidence of legal authority to engage in the Internet gambling business. Additionally, you must agree to tell us if your account is ever used in connection with Internet gambling, even if you believe that the gambling is legal. If you don’t notify the bank, we may deny further access to various payment methods or close your account.

* You will be charged a $35 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. 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.