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Checking w/Debit Card

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.

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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!

Every checking account comes with a Visa® Debit Card

Features of the Visa® Debit Card include contactless payment with Apple and Samsung Pay!

How it Works:

To pay with Samsung or Apple Pay using your debit card, hold your phone within an inch of the contactless reader. 

Samsung Pay

Simply download the app on your mobile phone and enter your debit card information and pay without needing to swipe! 

Get it on Google Play

Apple Pay

View instructions on how to set up Apple Pay through your Apple Wallet. 

Members may have to contact the credit union to complete their enrollment   

 

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 800.688.8189.

Reorder Checks

Wire Instructions

*Refer to Rate Schedule.

**Refer to Fee Schedule.

The accuracy of our calculators and their applicability to your circumstances are not guaranteed. You should consult with a qualified professional regarding your particular circumstances.