Whether you want a checking account that has no frills, or one that actually pays you – Valley Oak has the checking account you've been looking for. Review our selection of checking accounts below and then contact us to open your new account today.

Compare Checking Accounts

Account Features	e-Checking	Premium Plus	Privilege	Second Chance
Dividend Earnings*	No	On daily balances of $2,000 or more	No	No
Monthly Fee	None!	$5.00	None!	$10
Initial Deposit	$50	$50	$50	$50 + ($100 Pledge)
Check Writing	Yes! Free,unlimited	Yes! Free,unlimited	Yes! Free,unlimited	Yes! Free,unlimited
Mobile Deposit	Free!	Free!	Free!	Not offered
Courtesy Pay Privilege	Yes! Eligible after 90 days of opening	Yes! Eligible after 90 days of opening	Yes! Eligible after 90 days of opening	No
Offical Checks Fee**	$5	2 Free per month!	Free!	$5
Debit Card POS Fee	Free!	Free!	Free!	Not offered
Check Orders Reorder Checks	1 Free box at time of opening	Unlimited free checks!	2 Free boxes of checks - per year!	Cost of check
eStatements (electronic)	Free! Required enrollment	Free!	Free!	Free!
CU*Talk Telephone Banking	Free!	Free!	Free!	Free!
It's Me 247 Home Banking/Bill Pay**	Free! Required enrollment	Free!	Free!	Free!

 Debit Card (lost/stolen)

• 888.241.2510 (within the U.S.)
• 909.941.1398 (outside U.S.)

For specific details regarding our Second Chance checking account, please contact us at 800.561.4302.

Wire Instructions

*Refer to Rate Schedule.

**Refer to Fee Schedule.