VBBP participating banks* include large and small national and state-chartered banks, all of which can accept Veterans as customers regardless of where they live. Most VBBP banks operate on military installations and all are insured by the Federal Deposit Insurance Corporation.

VBBP participating credit unions* include large and small national or state-chartered credit unions. Please note: credit unions have “field of membership” criteria Veterans must meet before becoming members. Credit unions are member-owned and require share accounts by members. Most share accounts require a $5 to $25 deposit, which is generally the cost of purchasing one par value share at a credit union in order to establish a membership account. Some credit unions may also charge a nominal membership fee ($1 to $5) to join as well. All participating credit unions are insured by the National Credit Union Administration.

When choosing a bank or credit union, you should ask yourself and the financial institution the following questions:

  1. Are physical branches important to you? If so, does the bank or credit union have physical branches in the places you need them? Most banks and credit unions maintain a digital presence on the internet and their products and services are generally accessible to any current customer with internet access. However, sometimes – especially when you need to resolve a problem with your account or when a caretaker or family member also has access to your account – being able to talk face-to-face to a person makes a difference.
  2. Do you qualify to become a customer of your desired bank or credit union? All of the banks and credit unions participating in VBBP and listed below are committed to providing accounts to all qualified veterans. If a veteran is not qualified, they have also agreed to help the veteran become qualified. All banks may accept all veterans, but some credit unions with limited “fields of membership” may not be able to accept veterans who do not fall within those fields.
  3. Will the bank or credit union provide free checking accounts to veterans who direct deposit their VA benefits into those accounts? Again, VBBP participant banks and credit unions will provide free checking to direct deposit customers.

What additional financial products to you need or want? A relationship with a bank or credit union can be limited or extensive, depending on your needs and whether you qualify for certain products. Before choosing a financial institution, make sure it has the products and services you need or want. For example, most banks and credit unions offer customers access to financial products such as debit cards when they open checking accounts. Debit cards provide at least as much flexibility as Direct Express prepaid cards and are attached to checking accounts that allow customers to more easily manage and save money. Check out the Direct Deposit, Direct Express, and Paper Check comparison chart for more information.

FDIC Money Smart for Adults – My Checklist for Opening a Savings or Checking Account

CFPB Checklist for Opening a Bank Account

NCUA – Join a Credit Union

*Neither VA nor AMBA endorses any particular banks, credit unions, products or services, or requires Veterans or other beneficiaries to use them.

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5Star Bank opened its doors at Peterson Air Force Base in Colorado Springs, Colorado almost 30 years ago to serve our active-duty and veteran military service members. Today, we continue that commitment by providing deposit and loan products, as well as mobile and online banking services that allows our military clients to bank when and where they want! In addition, 5Star Bank offers a variety of mortgage loans options; two of which are specifically for our veterans and service members. Our mortgage experts will find the financing that best fits your unique situation. We will guide you through every step of the loan process; providing a smooth and stress-free experience and the valuable advice that really makes a difference. When you’re ready to bank with a true community bank that proudly serves veterans and military servicemembers, trust the team at 5Star Bank.

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A brief description of Armed Forces Bank: Founded in 1907 and headquartered in Fort Leavenworth, KS, Armed Forces Bank has proudly served active duty and retired military clients for more than 115 years. We have more on-base locations than any military bank in the United States. We are a proud recipient of the America/Military Saves Designation of Savings Excellence to help our military families save money and have received numerous Distinguished Service Bank of the Year awards for all branches of service.

We take pride in the fact that we are a founding member of the Military Spouse Employment Partnership. Our focus on philanthropy, community service and volunteer efforts is an integral part of our mission. Armed Forces Bank strives to make everything from banking solutions to financial education fast, easy, and personal for our Veterans. The Access Digital Checking Account is a wonderful solution for Veterans – there is no minimum balance requirement and no monthly service charge if the account holder conducts 20 debit card transactions per month and signs up for e.Statements (free service).

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Support for the military is an integral part of Bank of America’s culture and permeates every aspect of the business, from hiring to philanthropy, volunteerism, and products and services for military customers. We also are committed to helping military personnel and veterans as they transition to civilian life. We have hired over 10,000 military veterans and since 2009, Bank of America has donated more than $21 million to military nonprofit partners serving the military. And, our Military Transition and Career site, militarytransition.bankofamerica, offers ongoing learning tools that address common challenges military teammates face when transitioning to the corporate workplace.

Check out Bank of America’s flyer to see their advantages.

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The Bank of Greene County has been a community-based financial institution focused on developing relationships with our customers and communities in the Hudson Valley and Capital Region of Upstate New York for over 130 years. We live, work, and play in the communities we serve and this allows us to offer the products and services that best fit our customer’s needs.

The Bank of Greene County has helped to support veterans through financial donations to various veteran support organizations. We are proud to be a member of the Armed Forces Financial Network and to offer support to our brave service men and women who are currently or have previously served our country!

You can open a free checking account anytime online, over the phone, or in one of our many conveniently located branches with no minimum balance required. For more information on how the Bank of Greene County can help you, visit our website or call our customer service center at 518-943-2600.

Bank of Greene County – Community Banking at its Best!

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Bank of Guam, the island’s first locally-owned bank, was founded in 1972. Our founder, Mr. Jesus Leon Guerrero, saw a need to provide financial services to our local community and beyond. The Bank of Guam network, with 17 branches total, spans throughout Guam, the CNMI, Micronesia and San Francisco. As proud supporters of our service members and veterans, we have two branches located on Naval Station Guam and Andersen Air Force Base Guam. With 620 Bank of Guam familia members, we stand ready to assist with our warm Håfa Adai spirit and the financial expertise one expects from their local bank.

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Bank of Hawaii Corporation is an independent regional financial services company. The Company’s principal subsidiary, Bank of Hawaii, was founded in 1897 and provides a broad range of financial products and services to businesses, consumers and governments in Hawaii and the West Pacific. Bank of Hawaii is one of America’s safest banks, according to Moody’s Investors Service. And, as the only bank in Hawaii that’s been consistently ranked one of America’s “Best Banks” by Forbes magazine, you can rest easy knowing Bank of Hawaii has the experience and expertise to protect your hard-earned money.

Bank of Hawaii has been supporting military service members throughout the Pacific Theater since 1940 when the Navy brought the Pacific Fleet to Pearl Harbor. We continue today supporting those who have served with financial education, financial products, and a variety of financial tools that help make our troops mission-ready. To encourage Americans to become banked we offer BankOn-certified accounts which include no overdraft fees, no minimum balance requirement, minimum opening deposit of $25 and a VISA debit card to make banking an ease for our veterans.   We are honored to serve those who have served.

Please contact Fred Alvarado with any questions you may have:
Fred A. Alvarado
(808) 694-8490

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Bank of the Rockies, the Oldest Bank in Montana, established in 1883.  We take pride in our tradition of service. We are a family-owned and managed bank that believes in putting the customer first through convenience, local decision making, and a commitment to our communities.

Our business plan has always been built upon growth through integrity, consistency, dedication, and respect for our customers. We believe in working hard as our clients do to ensure they have a safe place to store their hard-earned dollars. Moreover, we take no greater joy than when we can make someone’s dream happen with a loan for their new car, home, business, or agricultural production.

We could not accomplish this without our incredible staff. Each one of them is the embodiment of our business principles, and they all know the importance of going beyond banking as usual for our clients. There is a reason we are the Oldest Bank in Montana; we believe in our state and are here for Montana. If you are looking for a bank, we encourage you to stop at one of our beautiful offices and meet our staff.

Bank of the Rockies is committed to serving the needs of the military and veteran communities, we are honored to participate in the Veterans Benefits Banking Program.

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Founded in 1901, Citizens Bank of Edmond is the nation’s most innovative community bank. We pride ourselves on our commitment to our customers and our community, elevating everyone to the highest levels possible.

20% of our 122-year-old community bank’s team is comprised of both military veterans and current service members. With service members at every level of management, we understand the unique challenges faced by the military community.

We are also a proud recipient of the Employer Support for the Guard and Reserve’s Patriot Award. This award reflects an ongoing support for military personnel and their families.

Citizens Bank of Edmond is redefining digital account management and VA lending for the military community. With special remote opportunities for military families and a robust military leave program, we are committed to serving military personnel in our backyard and across the country.



Our values go beyond balances.

We prefer to keep our focus on the local community, and our relationships in the towns we serve. We may be small in size, we are big on our neighbors. Wear a suit or overalls when you come inside, it’s all the same to us.

We value our Military and Veteran community, law enforcement, fire fighters and first responders, face to face deals and handshakes. And we’re big on getting to know your name, your family and even your birthday – like we have for our customers, their parents, and even their parents’ parents over the last century. So whether you’re in need a business loan for a new piece of equipment to harvest crops, wearing wingtips or muddy boots, applying for a loan or home mortgage, or just coming in to say hi, at Citizens Progressive Bank the only thing we are ‘big’ about is YOU!”

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Since our founding in 1949, we have proudly served our military members, veterans, their families, and dependents. Our founders helped bring the Air Force Base to Central Arkansas in the 1950s, and we are honored to have the only bank branch located on the Little Rock Air Force Base. We are a proud multi-year recipient of the America Saves designation for our savings programs and initiatives for military members and their families. Additionally, we have been recognized by the Department of Defense as a Military Bank of the Year for the United States Air Force. Our bank proudly employs many veterans, as well as military spouses and children. We are honored to have the opportunity to serve you.

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Providing support and financial assistance to active duty service members and veterans is one of the founding pillars of FNB Community Bank. Since FNB’s inception in 1942, the bank’s primary mission has been to serve the banking needs of Midwest City, as well as Eastern Oklahoma County and Tinker Air Force Base. This continues to be the primary driving force behind the bank today. Being the oldest and most firmly established bank in the area, the bank has built a reputation of conservative soundness that has served the bank well. Additionally, we have been recognized by the Department of Defense as a Military Bank of the Year for the United States Air Force eight times. Through the years our bank has enjoyed a higher quality leadership and staff than its competitors and has helped the bank maintain a major share of the local banking market.

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Alaskan-owned and -operated since 1922, First National proudly meets the financial needs of Alaskans with ATMs and branches in 18 communities throughout the state, and by providing banking services to meet their needs across the nation and around the world. In 2019, Alaska Business readers voted the bank the “Best of Alaska Business” in the Best Place to Work category for the fourth year in a row and American Banker recognized First National as a “Best Bank to Work For” for the second year in a row. The same year, Anchorage Daily News readers voted the bank one of the state’s top three financial institutions in the ADN “Best of Alaska” Awards. First National was also recognized as the most admired company in the state by MSN.com and received the Rita Sholton Large Business of the Year Award from the Alaska Chamber.

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First National Bank Texas (FNBT) and First Convenience Bank (FCB), a division of FNBT, remain dedicated to providing customers with quality financial products and services. Our bank was originally founded in 1901 in the Central Texas town of Killeen, only 19 years after the city was established. From our humble beginnings, we have grown to operate in over 330 locations in Texas, Arizona, Arkansas, and New Mexico. Our commitment is to provide great banking solutions and focus on the financial success of our customers. FNBT/FCB provides financial education, empowering our soldiers and veterans to improve financial fitness and achieve financial goals.



For its distinguished service to military communities, FSNB has been awarded the Army, Air Force, and Navy Distinguished Bank of the Year Award 30 times. Today, we are every bit as committed to serving our nation’s veterans as we were in 1942.

FSNB continues to provide exceptional banking services during and after your military service.

  • FSNB’s website provides specific pages for military personnel, accessible 24/7.
  • The Military pages depict the benefits our Military Advanced Checking and Smart Savers accounts offer.
  • The Veterans page offers direct access to online account openings or branch locations.
  • A dedicated FSNB employee is available for military and veterans in person, via email or by phone Monday – Friday 07:30 – 16:00 CST.
  • Quick links have been added within the Useful Information page to include MyPay, AMBA, Military Base Guide, U.S. Dept. of Defense, Military Spouse, and U.S. Dept of Veterans Affairs.
  • Financial management classes are available in conjunction with military command to include cautions about predatory lending practices and discussions on alternatives.

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Welcome to Peoples State Bank

Peoples State Bank is an independent community bank located in Texas.  We have been serving our customers with pride since 1921. Our philosophy is simple and embedded in the belief that developing life-time relationships is just good business. The mission of the Bank is to remain in a safe and sound condition, while providing our customers with the quality of service they expect and deserve.

We are especially committed to meeting the financial needs of our military and Veteran customers, bringing you the best in full-service banking backed by a friendly staff, advanced technology, and a strong sense of honor. We are a proud supporter of AMBA and the Patriot Debit Card Program. The Patriot Card can serve as your bank account as you can use it to deposit your Veteran benefits, make purchases, get cash, and pay bills. Plus, you’ll always be able to see your card balance in real time. As a bonus, cardholders will earn cash-back rewards for using their card to make purchases and pay bills.

We hope you allow us the opportunity to provide you with the type of friendly, down-home service you are entitled to.

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Republic Bank offers “Big Bank” benefits with a small-town feel through our friendly colleagues, state-of-the-art technology, and our bright, welcoming (dog friendly!) stores. We are one of the largest Philadelphia-based banks, yet we make decisions locally, and we make them quickly. We prioritize getting to know YOU as more than just a customer, so we can anticipate and meet all of your banking needs.

By delivering a superior banking experience across all channels, we continue to create fans throughout the region. It’s our personalized commitment to the communities we serve – New York City, Southern New Jersey and the Metro Philadelphia area.

Republic Bank is a proud supporter of veterans and military families from all backgrounds in the communities we serve and beyond. We welcome you home and we are here to help.

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Founded in 2023 and backed by Citizens Bank of Edmond, a 122-year-old community bank, Roger is the only digital-first bank tailored to serve military members at initial entry and beyond.

Roger mobilizes financial tools customized for the more than 150,000 men and women who join the military each year. With the backing of the 5-star rated Citizens Bank of Edmond, Roger delivers a fintech-enabled alternative that better reflects the modern force.

  • Accounts can be opened in minutes, producing a military-ready direct deposit form.
  • Money-management tools are accessible anytime, anyplace.
  • Digital goal-setting features cash round-ups to accelerate saving.
  • Direct deposits are available up to two days earlier.
  • No predatory lending or pressured sales, just a simple, sophisticated checking and savings platform.

Roger is the second in a portfolio of offerings demonstrating the bank’s investment in improving military banking. Roger Lending streamlines the experience for veterans and active military, utilizing their VA eligibility for government-backed mortgages.

Over 20 percent of Citizens Bank of Edmond’s employees have served or are currently serving in the U.S. Armed Services.

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USAA’s mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice.  We seek to be the #1 choice for the military community and their families.

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At U.S. Bank, we’re committed to helping you reach your financial goals during and after your military career. Current and former members of the Armed Forces may be eligible for our specialized military benefits such as a Platinum Checking Account with no monthly maintenance fee, VA home loans, and military friendly perks on the Altitude® Go Visa Signature® card. Additionally, our Military Service Center is dedicated to ensuring all bank accounts receive the benefits and protections owed to servicemembers and their dependents, as applicable under federal and state laws. U.S. Bank is available to assist you with any of your banking needs and offers a variety of online financial wellness tools. You have our backs. U.S. Bank has yours. Member FDIC. Equal Housing Lender.

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Varo Bank is an all-digital bank that is reimagining what a bank can be when it is designed and optimized for the everyday American. We provide checking accounts that are free to open with no minimum fees or minimum balances, savings accounts with 5% interest, help customers improve their credit scores, and even provide cash advances up to $250 for a fair, flat fee. We are obsessed in improving financial inclusion and opportunities for all Americans, and innovate incessantly to redefine what is possible as a financial institution. As a proud participant of the Veterans Benefits Banking Program (VBBP). We are committed to helping Veterans, beneficiaries, survivors, and caregivers gain access to our financial products, services, and support they need.

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Since 1921, WaterStone Bank has been dedicated to being a top financial resource in the communities we serve by expanding our expertise, strengthening customer loyalty, and maximizing shareholder value. Known for its tradition of stability and passion for making an impact in the communities we all call “home”, WaterStone Bank knows what it means to be good corporate citizen and neighbor.

We recognize and honor the sacrifices of veterans in our community by remaining committed to helping secure financial stability through our Military Valor Program (MVP). With 14 branch locations throughout Southeastern Wisconsin, and Digital Banking options, we’re here to provide you the financial services you need 24/7/365. We are small enough to care, but big enough to be there when you need us most. At WaterStone Bank, it’s all here for you!

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Wells Fargo & Company is a diversified, community-based financial services company. Wells Fargo’s vision is to satisfy our customers’ financial needs and help them succeed financially. Wells Fargo has been helping military members and veterans financially succeed for nearly 170 years. In 2012, the company created the Military Affairs Program to expand the company’s outreach to members of the military, veterans, and their families who may be facing financial hardships as part of Wells Fargo’s commitment to helping communities succeed.

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Wilson Bank & Trust values the service our Hometown Heroes bring to our communities and are committed to helping you reach your financial goals. We offer exclusive accounts for active military, veterans, and first responders, in recognition of your commitments and sacrifices you and your families make to serve our country and communities.

As a community partner committed to supporting our neighbors, Wilson Bank & Trust hosts financial literacy classes in partnership with Operation Stand Down, the Middle Tennessee Military Affairs Council, the VFW and first responder groups, among others. Through these programs, we recognize more is needed to support our military’s financial wellbeing. We value the service our Hometown Heroes bring to our communities and are committed to helping them reach their financial goals. Free checking is not enough. That’s why we offer exclusive accounts for active military, veterans, and first responders along with personalized guidance, a brick-and-mortar resource, and financial tools that help overcome the challenges unique to those who serve in the armed forces. It’s called the HERO program.

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*Neither VA nor AMBA endorses any particular banks, credit unions, products or services, or requires Veterans or other beneficiaries to use them.

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