How do I qualify?
To become a member of Vision One, you must belong to one of the following groups:
• All licensed optometrists in California
• Vision Service Plan (VSP) member doctors
• California, Colorado, and Ohio Optometric Association member and affiliate associates
• Families of Vision One Credit Union members
Please feel free to contact us to find out how else you may be eligible.
What is the difference between a bank and a credit union?
A credit union is a member-owned, not-for-profit financial institution that provides banking services to its members. Unlike banks, credit unions are governed by their members rather than shareholders.
Vision One is funded by deposits from independent optometrists, optometric associations and societies, optometric colleges, and organizations that support private practice optometry. These member deposits are reinvested directly back into independent optometry, not other medical professions or unrelated industries—strengthening the profession we collectively serve.
What is the minimum balance required to maintain my Regular Share Account?
A minimum balance of $25.00 is required to maintain your Regular Share Account and remain a member of Vision One Credit Union.
How can I prevent my account from going dormant?
Make a member-initiated transaction (deposit or withdrawal) at least once every 12 months. Keep your contact information, such as your mailing address, phone number and email up to date.
When does an account get Escheated to the State?
If an account remains dormant for a long period (usually 2 to 5 years, depending on state law), Vision One is legally required to close the account and transfer the remaining funds to your state's treasury department as unclaimed property.
Can I get my money back if it was sent to the State?
Yes. The funds are not lost, but they are turned over to the state's unclaimed property division. You will need to file a claim directly with your state’s treasury or controller's office to retrieve your money.
How do I make deposits or withdrawals?
With your Vision One Credit Union VISA debit card, you have access to your account via the CO-OP ATM and Shared Branch Network. Click on the following link CO-OP Network to find the locations nearest you.
What is the Shared Branch Network?
We participate in shared branching with Co-op, a cooperative effort between credit unions nationwide to assist each other’s members. As a result, you can conduct business on your Vision One Credit Union accounts at other credit unions throughout the country as though you were at your local branch (with some service restrictions).
Can I deposit checks via the mobile app?
Depositing checks with your smartphone is easy with Vision One Credit Union’s convenient mobile app!
Follow these steps to deposit a check:
- Endorse your check with the following – “For Mobile Deposit Only, VOCU”
- Login into our Mobile App and select Deposit from the quick links at the top
- Select the account to deposit into
- Enter the check amount
- Place your check on a plain, dark surface and capture the front, then back
- Submit your deposit
- Follow any additional prompts
- Retain the check for 60 days before destroying
Can I mail a check for deposit into my account?
Although this is the least secure and slowest way to make a deposit, you can mail a check for deposit to:
Vision One Credit Union
3279 Ramos Circle
Sacramento, CA 95827
Please include your account information so we can ensure proper credit.
Are my funds insured?
Yes. Member deposits are federally insured up to ($250,000) by the National Credit Union Administration (NCUA). Contact us to learn about additional ways to gain more coverage depending on the type of account, account owners, and whether qualified beneficiaries are involved.
What is your routing number?
The routing number for Vision One Credit Union is 321175258.
Can I access my account online?
Yes, you can view your deposit and loan accounts, transfer funds between Vision One accounts, pay bills, and more. Contact us to enroll.
Do you have a mobile app?
Yes! Please search the Apple's App Store or the Google Play Store for “Vision One Mobile” to download.
Can I send or receive wire transfers?
Transferring funds into or out of your account is easy. For Outgoing wires, please contact us. There will be a $15.00 fee assessed. For Incoming wires, please click here for instructions.
How do I change the PIN on my debit card?
You can re-PIN your debit card by calling (888) 891-2435 and following the automated prompts. For security purposes, we do not have access to see any member’s PINs.
What should I do if I lose my VISA debit card?
Contact us Monday through Friday toll free at (800) 327-2628 from 7:30 AM to 4:30 PM (PST). After hours, please call (888) 297-3416.
What is Two-Factor Authentication (2FA)?
Two-Factor Authentication (2FA) is an added layer of security for your online banking account. It requires you to provide two forms of identification when logging in: something you know (like your password) and something you have (such as a one-time code sent to your phone or generated by an app). This is used to better protect your account from unauthorized access and verify your identity when logging in from unrecognized devices.
Will Vision One ever ask for your password?
No. We will never ask for your online banking password, PIN, full social security number, or one-time passcode by phone, text message, or email.
What should I do if I accidentally shared my information?
Contact us immediately. We can help secure your account, reset your credentials, and monitor your account for suspicious activity.
How does Vision One protect me from card fraud?
We continually monitor debit transactions for suspicious activity. If fraud is suspected, you will receive text or email alerts requesting a quick "Yes" or "No" reply to verify the transaction.
Grow your savings; keep your future in focus.
We offer high-yield share savings, money market accounts, and savings certificates - giving our members flexible, powerful ways to build financial success.