Join Valley Credit Union

The Checking Account that PAYS YOU!

  • Combined with a Rewards Savings that earns up to 1.76% APY*
  • Access to 30,000 fee-free ATMs
    • Plus, up to $360/year in ATM fee refunds
  • FREE Visa® Debit Card
    • Add debit card to mobile wallet

Valley Members earn more!

Valley members with a Rewards Checking account earn more than 64x** the National Average for a checking account.

Elevate Your Earnings with Rewards Checking!



Key Features

  • Earn up to 4.50% APY*
  • $360/year in ATM Fee Refunds Nationwide*
  • No Monthly Service Fee
  • No Minimum Balance Requirements
Rewards Checking CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Rewards Checking account. Move the sliders or type in the numbers to see your potential rewards.

  • Estimated monthly dividends earned* $0
  • Monthly ATM fees refunded**$0

Earning Your Rewards is Easy — You're Probably Already Doing It!

Get ready for a checking account that's not only free but also rewards you for your everyday banking. With up to $360/year in ATM fee refunds and monthly cash back deposited directly into your account, you'll enjoy banking like never before. And the best part? Qualifying for these perks is incredibly easy. So why wait? Sign up now and start reaping the benefits!

  • Free checking
  • 4.50% APY* on balances up to and including $10,000
  • 0.05% APY* on all balances if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $30 monthly)*
  • Click here to learn more about your shares being insured to at least $1 million!
  • Link to free Rewards Savings to build savings automatically*
  • No minimum balance to earn rewards
  • Free digital banking services, including:
    • Free online banking & bill pay
    • Free mobile banking with mobile deposit
    • Free eStatements
    • Mobile Wallet
      • Apple Pay®
      • Google Pay™
  • Free Visa® debit card
  • $5 minimum deposit to open*



What do I need to open an account?

  • Valid government issued photo ID such as a driver license, state issued ID, or passport.
  • Proof of address, if different from the one listed on your ID
  • Social Security Number

What are the qualifications?

The qualifications are easy you are probably already doing them today! 

  • 15 debit card transactions post and settle
  • 1 ACH or Direct Deposit post to your account
  • Be signed up for eStatements

By doing those 3 simple items you will start earning up to 4.50% APY* on your Rewards Checking account, plus, the convenience of up to $360/year in ATM fee refunds. 

What if I don't meet the qualifications one month?

No problem at all! Valley will not charge your a monthly fee for not meeting the qualifications and you can try again next month. The month you do not meet the qualifications you just won't earn the higher dividend rate or receive ATM refunds. 

Even if monthly requirements are not met, Rewards Checking still earns 0.05% APY.

Can I add my debit card to my mobile wallet?

Yes! Valley Credit Union debit and credit cards can be added to the following mobile wallets:

  • Apple Pay®
  • Google Pay™

What is the minimum opening deposit for a Rewards Checking?

The minimum opening deposit is only $5 to open a Rewards Checking, plus, $1 to open a Rewards Savings. If you are a new member to Valley, you will also need to open a $25 membership savings.

Can I deposit my check with my smart phone?

Yes! Simply take a picture of the front and back of the check in Valley's Mobile Banking App. Reminder to put "For Mobile Deposit at Valley Credit Union" on the back of the check. 

How can I qualify if my employer does not offer direct deposit?

No worries! You can still qualify by setting up an ACH to pull from your account. Just set up one bill (credit card, mortgage payment, utility, phone payment, etc...) to be pulled via account and routing number at least once per month. 

How will I use my debit card 15+ times?

Almost everyone uses their debit card more than 15 times per month. Here are some examples:

  • Any TV subscriptions
  • Coffee a few times a week
  • Eating out
  • Gas for your car 
  • Groceries
  • Utilities linked to your debit card
  • Online purchases

Make your purchases more convenient by linking your debit card to your mobile wallet.

If I make a withdrawal at an ATM, does it count towards my 15 debit card transactions?

When you use your debit card to withdraw cash from an ATM, those transactions don't count towards your 15 debit card transaction.


*APY=Annual Percentage Yield. APYs accurate as of 3/1/2024. Rate may change after account is opened. Balances up to $10,000 receive 4.50% APY. Balances over $10,000 will receive 0.05% APY. To qualify for 4.50% APY, member must have 15+ debit card purchases post and settle in calendar month, be enrolled in eStatements, and have at least 1 ACH or direct deposit post. If monthly qualifications are not met, account earns 0.05% APY. Limit of one Rewards account per member. Max of $30/month in ATM fees refunded. Minimum opening deposits: $5 for Rewards Checking, $1 for Rewards Savings, and $25 for membership savings.


**According to Business Insider the national APY average on checking accounts that earn interest as of 12/22/2023.