Mobile Banking

Mobile Banking with Valley Oak Credit Union

Mobile banking access is free for our members with a Smartphone or Text-Only phone.

Access your Valley Oak Credit Union account anytime, anywhere by using your mobile phone. If you have the ability to browse the web from your mobile phone or just the ability to text message, you can bank on your phone! All information transmitted between servers and your mobile device is encrypted at the same high security level as regular online banking.

Enroll in Online Banking

To activate Mobile Banking you'll need to be enrolled in Online Banking. Once you're signed up for Online Banking, you can:

  • Check your balances
  • View transaction history
  • Transfer funds
  • Pay your bills

Already enrolled? Then you're ready to use Mobile Banking! For more detailed instructions, click here.

Mobile Banking App

Download our mobile application to your Android Smartphone or iPhone. To download the app, click the "Download Mobile App" button from your mobile device. Or, visit your phone’s app market ("App Store" for iPhone; "Google Play" for Android) and search for "TouchBanking."

Available on the App Store Android App on Google Play

Remote Deposit Capture

With Valley Oak's Remote Deposit Capture you no longer need to stop by our branches to deposit checks! No matter where you are you can make your deposit with your smartphone. It's fast, secure and FREE! If you would like this service, please call your local branch today.

  1. Available with checking accounts ONLY, no other accounts supported.
  2. Check limit per day is $3000.00
  3. Deposits must be received before 3:00 PM PST, for same day processing & credit.
  4. To ensure proper crediting of your deposit we would like to see these 4 items on the back of the check:
  • “Mobile Deposit”
  • Date of Deposit (required)
  • Proper Endorsement Signatures of all payees (required)
  • Member number (use *** for last 3 digits)

Steps for Deposit:

  1.  Logon to App.
  2. Choose Deposit Tab.
  3. Click New Deposit to initiate Mobile check deposit.
  4. Verify the correct checking account is selected.
  5. Enter deposit amount.
  6. Take a photo of the front of the check. Click Use Photo.
  7. Take a photo of the back of the check.  Click Use Photo.
  8. The confirm screen will open, click Yes to confirm the deposit.
  9. The result screen will open.  All deposits will be Pending until Electronic Services approves or rejects the deposit.
  10. Members can check the status and history by clicking the View Deposit History option.
  11. Click View Check to see the check image.
  12. Members should always Logout after each session.

Click here for more instructions.

Click here for terms and conditions.

Mobile Web

Access Mobile Banking from your mobile web browser on your Web-Enabled phone or Smartphone.

Text (SMS) Banking

If you can text, you can bank! No data plan required. Do basic banking functions by texting commands to Valley Oak Credit Union.

  • Check your balances
  • View transaction history
  • Transfer funds
  • Manage your accounts

Please note that your service provider's standard texting rates will likely apply.

How to Sign Up

After accessing your home banking account, go to the "Self Service Tab." You will have a new link that says "Mobile Banking." After clicking that link, you will see two links, one for "Web Mobile Settings" and one for "Text Mobile Settings." Follow the instructions on the page(s) to enable yourself for Mobile Banking. For more information or assistance setting up your Mobile Banking, please call Valley Oak Credit Union at 559.561.4473 or 800.561.4302.

For more detailed instructions, click here to go to Valley Oak Credit Union SMS Mobile Text Banking.

Mobile Web Requirements

You must have an active home banking account and a valid mobile phone number. Additionally, you must have the ability to browse the internet on your mobile phone. Please keep in mind data charges from your service provider will likely apply (unless you have an unlimited data plan). No special phones are required as an internet enable mobile phone will be compatible.

To minimize Mobile Banking risks, please review some very important safety tips:

  • Lock phones with a lock code if available
  • Turn off Bluetooth capability when not in use. (Hackers can view/download the content of your phone via the Bluetooth connection, without you knowing it.)
  • Purge text messages regularly
  • Delete cached data from mobile browsers
  • Do not allow mobile browsers to store online banking credentials
  • Do not disclose personal information via text messaging
  • Do not leave your phone unattended
  • Visit trusted sites only and don't click on suspicious email messages and embedded links, just as on a computer
  • Contact Valley Oak Credit Union immediately if your phone is stolen
  • Do not "jailbreak," "root," or otherwise modify your phone