Skip to main content

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.

BECOME A MEMBER ONLINE

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, Apple & Samsung Pay, and RoundUp Savings!

RoundUp Savings

Every time you use your Valley Oak Debit Card, the transaction will be rounded up to the next full dollar amount.  At the end of each business day the accumulated amount from each of the transactions will be transferred from the checking account attached to your debit card to a savings account of your choice as a single transaction.

How Do I Get Started?

There is no cost to enroll. Simply stop in, call or email us to tell us you want to sign up for Debit Card Roundup. Once you’re enrolled just watch your savings grow.

Contact Us Click Here to Learn More

Samsung, Google, & Apple Pay

How It Works:
Simply download the app on your mobile phone and enter your credit card information to pay without needing to swipe! To pay with Samsung, Google or Apple Pay using your credit card, hold your phone within an inch of the contactless reader. 

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

Click to Download Apple Pay​:



Click to Download Samsung Pay:
Get it on Google Play

Click to Download Google Pay:

If you have any questions or require assistance, please contact us. 

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 reach out to us via our Contact Us page.

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.