Home Banking

Home Banking

If you like having your financial needs at your fingertips, then Home Banking is for you. You can access your accounts through your computer, all for free. It's as easy as that! Log on and you can transfer money, check balances, make loan payments, etc. - all from the convenience of your home.

HB Login FAQs

Home Banking Helpful Tips

Online Bill Pay

If you would like to have even more convenience at your fingertips, sign up for Valley Oak's free Online Bill Pay. Pay all your bills from one location; all you need is an internet connection! You can set up all your payments through the Online Bill Pay system, whether it is an occasional bill or a reoccurring bill you may have every month.

We're also excited to announce some new and improved features of the Online Bill Pay system!

What is better about CheckFree RXP:

  • Ability to transfer money to another financial institution
  • Ability to expedite payment (in some cases, same day abilities)
  • Ability to receive statements via Bill Pay
  • Ability to send money to anyone (via Popmoney) Click here to learn more*

What remains the same:

  • Bill pay from Valley Oak is FREE*
  • Always a secure, safe way to pay your bills
  • Call with any questions or support from 4:00am to 10:00pm at 855.832.6470

Remember: Both the Home Banking and Online Bill Pay services are ABSOLUTELY FREE!*

Electronic Funds Transfer Disclosure

* Some services in online bill pay, such as Expedited Payment and Popmoney, have a fee associated with each transaction. Effective June 30, 2014 all Bill Pay users must pay at least one bill monthly to avoid a monthly inactivity fee of $5.95. If one bill is not paid per month, you will see the fee on your monthly statement.


A person to person payment (P2P) service that eliminates the hassles of checks and cash by allowing you to send and receive money as easily as you send and receive email and text messages.  This service is only available through our Home Banking. Click here, for more details.

How it works:

Sending Money

  • Send money using an email address or mobile number
  • Select from a number of e-greeting templates for payment notifications sent via email
  • Set up future-dated, one-time payments and recurring payments
  • Add multiple email addresses and mobile numbers for any contact
  • Add multiple email addresses and mobile numbers for receiving money
  • Import contacts from popular email services (such as Hotmail, Yahoo!, Gmail)
  • Respond to all Popmoney activity, including depositing payments and paying requests, via a central “To Do List” or dashboard

Receiving Money

  • You will receive an email or text message telling you someone sent you money.
  • Log in to your financial institution's online banking site and direct the funds to your bank account.
  • Money sent to a specified bank account will be automatically deposited there

How will the recipient know I sent money using Popmoney?

The recipient will receive a payment notification either by email or a text message depending on how you chose to send the money.

Email address: The recipient will receive an email with instructions on how to direct the payment into their checking or savings account.

Mobile number: The recipient will receive a text message with instructions on how to direct the payment into their checking or savings account. If the recipient doesn't act in 3 days, they will receive a text message* reminder to act on the payment notification.

*Message and Data charges from your telecommunications provider may apply.

Bank account information (routing and account number): The money will be deposited into the recipient's bank account. You may choose to notify the recipient by sending an email message.

When will the funds be available in the recipient's account?

Funds may be available in the recipient's checking or savings account as early as one business day from the date they accept the funds. The recipient will receive a confirmation email with the date the funds will be in their account.

What type of accounts can I use to send the payment to?

Payment can be directed to a checking, savings, or money market account held at a U.S. financial institution.

Do payments expire?

Yes. The recipient has 10 days from the date of the payment notification to provide checking or savings account information. After 10 days, if the funds have not been accepted, the payment expires and the funds are returned to the sender.

Is the Popmoney service secure?

Yes. Popmoney was created with your financial security in mind. Popmoney is built on the industry's leading online money movement platform and utilizes superior risk management and fraud protection services. This is the same online money movement platform used by thousands of financial institutions, including many of the nation's top banks.

Fees, Terms and Conditions apply. Click here for full Fee Schedule.