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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.

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! Free!
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! Free!
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!
CUTalk 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.
  • *Federal Regulation D allows for a maximum of six (6) withdrawals or transfers from your savings account each month using the following methods: Checking overdraft protection, Audio Response Access, Online Access, Fax, Pre-authorized automatic ACH transfers. If you need to make more than six withdrawals or transfers in a month you can do so by mail, at a Valley Oak or Co-Op ATMs, or by visiting a branch. After 6 transfers, there will be a fee of $2.00 per transfer.