Share Draft Basic Checking Account
Share Draft Basic Checking Account
You deserve a checking account that does more! Basic Checking provides essential checking services with additional features that make it easy to manage your money! Apply today for an account that puts you in control of your finances.
Basic Checking, Big Benefits
No Minimum Balance
There’s no need to worry about minimum balance requirement fees.
No Monthly Fees
Keep more of your hard-earned money where it belongs — in your account!
Free Bill Payment Service
Schedule payments with online bill pay to ensure they are always on time.
Free Mobile & Online Banking
Easily manage your account and take care of banking tasks online or with your mobile device.
Essential Checking for Your Everyday Needs
Basic Checking simplifies your everyday banking and gives you flexible access to your money. There are no monthly fees and no worries with Basic Checking — just easy banking.
Additional benefits of our Basic Checking account in Virginia include:
- Free unlimited check writing
- Access to your account at any Topside FCU credit union office, Plus, AFFN, and The Exchange ATMs
- Free descriptive monthly statements
- Free 24-hour account access through Topper, our member services bot
- Free mobile deposits
Basic Checking is the smart choice for your everyday needs. Apply for an account today for hassle-free banking that gives you the freedom to manage your money on your terms.
Apply Today
Open a Basic Checking Account in 3 Easy Steps!
| step 1 | Apply OnlineConveniently apply online by clicking the button below or drop by a branch. |
| step 2 | We’ll Contact YouWe’ll let you know when your new account is ready, which is typically within one business day. |
| step 3 | Fund Your AccountDeposit funds into your personal checking account and start using it for all of your needs! |
★★★★★
“Great experience, the staff was friendly, professional and quick. The facility is very nice and new.”
Steve B.
Have a Question? Give Us a Call Today!
FAQs About Our Basic Checking Account
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How can I access my Basic Checking account?
You can conveniently access your account through online banking and ATMs, by visiting one of our branch locations, or while you are on the go with our mobile app.
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Do I get a debit card with a Basic Checking account?
Yes, if you wish to have a card for this account, you will receive a free uChoose Rewards Visa Debit Card that you can use to make convenient online and in-person debit card transactions and ATM withdrawals.
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Is overdraft protection available for Basic Checking?
Yes, with Overdraft Protection Coverage, you can link your Basic Checking to another Topside account, like a savings account, to avoid overdraft fees. In the event of an overdraft, funds are automatically transferred to ensure the transaction is completed. There is a $7.50 fee per transfer.
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Can I set up direct deposit with a Basic Checking account?
Yes, you can easily set up direct deposit to have your paychecks automatically deposited into your Basic Checking account.
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How do I open a Basic Checking account?
Getting started is quick and easy. To open a checking account, you can conveniently apply online or visit a branch. It just takes a few minutes to apply. You will be required to provide contact information and personal identification, such as a government-issued ID and your Social Security Number. After your account is opened, you will receive a VISA Check Card that you can use for transactions and with ATMs.
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Is the money in my account insured?
Yes, our accounts are insured by the National Credit Union Administration (NCUA) for up to $250,000.
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Are there any ATM fees?
With our Visa Check Card, you can access tens of thousands of ATMs worldwide without incurring ATM fees through the Allpoint Network.
View our Funds Availability Policy Disclosure.
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