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Checking

Vidalia Federal offers a variety of checking accounts to fit your needs. 


Freedom Checking

Our Freedom Checking Account is a noninterest bearing account that offers the perfect solution to customers with simple needs.

Only a minimum deposit of $50.00 is required at opening with no minimum balance requirements. Freedom checking has no monthly service charges but still provides you FREE ACH debit/credit capabilities, access to FREE online banking with up to 15 FREE monthly bill payments, FREE 24 Hour Telephone banking, FREE ATM/Debit cards and SecureLock Equip fraud prevention. This account comes with monthly statements that do not include check images.


Premier Checking

Premier Checking is the ideal choice for customers who need the check images for your record keeping. 

This account is a noninterest bearing account and requires a $500.00 minimum balance at opening. A $500.00 minimum balance must also be maintained at all times to avoid a service charge.  Should your account balance drop below the $500.00, you will incur a $7.00 monthly service charge. This account includes FREE ACH debit/credit capabilities, FREE online banking with up to 15 FREE monthly bill payments, FREE 24 Hour Telephone banking, FREE ATM/Debit cards and FREE SecurLOCK Equip fraud prevention.


Freedom Plus Checking

Freedom Plus Checking is an interest-bearing account that requires only a $50.00 initial deposit with no required minimum balance to be maintained. This account has a monthly service charge of $5.00 which includes FREE ACH debit/credit capabilities, FREE online banking with up to 15 FREE monthly bill payments, FREE 24 Hour Telephone banking, FREE ATM/Debit cards and FREE SecurLOCK Equip fraud prevention.  This account comes with monthly statements that do not include check images. 

View Current Rates


Premier Plus Checking

For the customers that want it all, Premier Plus Checking is the account for you. 

This account includes FREE ACH debit/credit capabilities, FREE online banking with up to 15 FREE monthly bill payments, FREE 24 Hour Telephone banking, FREE ATM/Debit cards and FREE SecurLOCK Equip fraud prevention. A minimum amount of $50.00 is required at opening with no required daily minimum balance. You will receive monthly statements that do include your check images. This account has a monthly service charge of $7.00.

View Current Rates


Corporate Checking

Our corporate checking accounts require a minimum of $1,000.00 at opening and a $1,000.00 minimum balance be maintained. There is no service charge if accounts maintain the minimum balance requirement.  Should this account drop below the minimum balance at any time during the month, the account will be charged a $10.00 service charge. This account includes FREE ACH debit/credit capabilities, FREE online banking with up to 15 FREE monthly bill payments, FREE 24 Hour Telephone banking, FREE ATM/Debit cards and FREE SecurLOCK Equip fraud prevention. Corporate accounts are non-interest bearing and receive a monthly statement that includes check images.

^ Rates may change after account is opened.


Customers 65 or older:

No minimum, FREE Basic Checks and no monthly service charges on noninterest bearing accounts. Please notify customer service upon reaching 65 to take advantage of these benefits.


Requirements Needed to Open an Account

  • Driver's license or picture ID showing current address for Toombs or surrounding counties
  • The required minimum deposit
  • You must pass credit and identity verification

REG D requirements


The following miscellaneous charges apply for all checking accounts:

Stop Payment Fee (ACH or Check) $35.00
Overdraft Fee-each overdraft paid $35.00
Check image copy $3.00
Nonsufficient funds (NSF) each $35.00
Atm/Debit card replacement fee $5.00
Hotcard (cancel and reissue) ATM/Debit card $15.00
Duplicate Statement Fee $5.00
Nonsufficient funds (NSF) ACH (preauthorized withdrawal) each $35.00

View Fee Schedule

Direct Deposit

Your time is valuable!

Sign up for Direct Deposit and have your check automatically deposited into your account.

Direct Deposit