Checking

Whether you want a checking account that has no frills, to 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.

  Basic Premium 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
Remote Deposit Capture 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
Cashier Check Fee** Refer to Fee Schedule 2 Free per month! Free! Refer to Fee Schedule
Debit Card POS Fee Free! Free! Free! Refer to Fee Schedule
Check Orders 1 Free box of singles at time of opening. Unlimited free single checks! 2 Free boxes of duplicate club checks - per year! Cost of check depends on style
eStatements (electronic) Free! Required enrollment Free! Free! Free!
Audio Response Free! Free! Free! Free!
Home Banking/Bill Pay** Free! Required enrollment Free! Free! Free!
Live Teller Inquiries** 1 Free per month! Unlimited! Unlimited! 1 Free per month!

For specific details regarding our Second Chance checking account, please contact us at 800.561.4302.

*Refer to Rate Schedule.
**Refer to Fee Schedule.

Wire Instructions: Click Here

*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 transfer in a month you can do so by mail, VOCU or Co-Op ATMs, or by vising a branch.