Skip to main content

Checking

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.