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    Routing Number: 211690911

    Call Us: 800-728-5871

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    Important System Upgrade Notice for FORMER WRCU & 802CU Members:
    As part of our system upgrade with White River Credit Union (WRCU), hours will be adjusted and some banking services will be temporarily unavailable during the weekend of February 27–28.
    For detailed information on services affected during the upgrade weekend visit Partnerships | 802 Credit Union

    Home » Accounts » Checking

    Checking Accounts in Vermont

    Explore the checking accounts that work for your lifestyle. Whether you’re looking for everyday simplicity, convenient digital tools, or strong overdraft protection, 802CU checking accounts are designed to offer you flexibility without the fees.

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    Free & Clear Checking

    A fee-free, no-hassle account that’s ideal for everyday banking and spending.

    Perfect for members who want checking without strings. No minimums, no fees, and full access to digital tools and overdraft options.

    • No monthly maintenance fees or minimum balance
    • $750 Overdraft Privilege (after 30 days, with conditions)
    • Paper or electronic statements available
    • Free Bill Pay and online banking
    View Account Details Open An Account

    Youth Total E-Checking

    A safe and simple account for teens ages 13–18, with built-in protections and learning tools.

    Empower young members to learn responsible banking with no fees, no overdraft risk, and mobile access—plus a linked Youth Savings account.

    • No monthly fees or balance requirements
    • Debit card with reduced daily limits
    • Overdraft protection with no fees
    • Mobile check deposit and eStatements
    View Account Details Open An Account
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    Widely Accepted

    Use your card at millions of businesses and retailers that accept Mastercard®, both online and in person.

    Debit Cards

    Instant access to your funds with the convenience of Mastercard®, backed by local support.

    Use your 802CU debit card for everyday purchases, ATM withdrawals, and online payments, all while keeping your funds secure and easily accessible.

    • Use anywhere Mastercard is accepted
    • View and manage transactions online or in the app
    • $2,000 daily spending limit
    • $500 daily ATM withdrawal limit
    View Account Details Open An Account

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    More Ways to Grow with 802CU

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      Savings

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      Youth Accounts

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      Retirement

    • Credit Cards

    Frequently Asked Questions

    Have Questions? Let Us Help!

    • How do I change my name on my account?

      Once you have changed your name with Social Security, you will need to complete a membership change card. If you choose to add a joint owner, you can do so at the same time. Once we have the signed application with a copy of your updated identification, we will change your name on our system and place an order for new checks and VISA®/debit cards.

    • How do I remove a signer from my account?

      The joint owner can sign a membership change card that instructs us to remove their name, or we can close your existing account by opening a new account and transferring funds.

    • What is the routing/ABA number I should use?

      Our routing number is 211690911.

    • How do I order checks?

      First-time check orders must be done through the branch. If you are reordering checks with no changes, you can reorder them online through Harland Clarke.

    • Why haven’t I received a 1099 for interest earned?

      The IRS does not require a financial institution to issue a 1099 for accounts that earn less than $10 in a given year. If your account did earn more than $10 and you have not received a 1099, please call us during business hours.

    • Does 802 Credit Union issue and redeem U.S. Savings Bonds?

      We no longer issue savings bonds as they are now issued paperless directly through the Treasury Department. You may buy and manage savings bonds electronically safely 24/7 via www.treasurydirect.gov. The Credit Union does redeem savings bonds. Please contact your local branch office for more information.

    • Is my account federally insured?

      All member deposits are federally insured, in the aggregate, up to at least $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency, through a government-backed federal insurance fund known as the National Credit Union Shared Insurance Fund (NCUSIF), and are backed by the full faith and credit of the United States government. Joint member accounts are insured separately from individual accounts up to a maximum of $250,000. IRAs receive separate $250,000 insurance coverage.

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    More Than a Member

    As a member-owner, you’re doing more than banking. You’re building a better financial future with a credit union that puts you first.

    Become a Member Today

    Testimonials

    Hear From Our Members!

    Real stories from real people who’ve found their financial home.

    I recently moved to Vermont and was looking for a new financial institution. Several people recommended 802 Credit Union. Kim helped me set up my accounts, my direct deposit and got me started with online banking. She showed me how to use Bill Pay, which I never used at my previous bank. What a huge convenience! I highly recommend 802 Credit Union and all the staff at the Windsor branch.

    Sarah

    Windsor, VT

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    802 Credit Union
    265 South Main Street, Barre, VT 05641
    Contact Us
    info@802cu.com

    Equal Housing Lending | NMLS #409405

    Your accounts are federally insured up to $250,000 by NCUA.

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    Prepare for conversion weekend (2/27–28)

    Please review the information below before conversion weekend. These resources were previously shared by mail and email and include important steps to ensure a smooth transition.

    Here for Online Banking, click the WRCU Online Banking button below. 

    WRCU Online Banking Conversion Timeline and Checklist Bill Pay Instruction Quicken/QuickBooks Instructions