Simple and rewarding checking accounts

Choose the account that's right for you




Most Popular

Rewards Checking Account


All Access Rewards Checking

Put $20 in your pocket each month


Enjoy a simple checking account that puts up to $240 in your pocket within a year when you link it to a qualifying direct deposit.

  • No minimum balance requirement

  • Open an account for as little as $100

  • Receive $20 a month for a year


Learn more



Valley My Choice Checking

Get $150 in Valley Rewards


The perfect first checking account for young adults (ages 17 to 25).

  • Receive Valley Rewards up to $150 with mobile banking, debit card transactions or Bill Pay

  • No monthly service fee

  • Up to $20 rebate on ATM fees  


Learn more





All Access Rewards Checking


My Choice Checking


What is this account?

A simple straight forward checking account that rewards you $240 in your first year. 

Account designed for young adults to help take control of their finances. ATM rebates 

Monthly fee





Interest Earning





Minimum Opening Deposit



Non - Valley ATM Withdrawal Fee



$0 or $2*

Online Statements




Debit Card



Personal, Online and Mobile Banking







Looking for something different in a checking account?


   See all our checking accounts



What you'll need to open an account:

What you'll need to open an account:

Must be 18 or older

U.S. Residential Address

Social Security Number

Government Issued ID (Driver's License, State Issued ID, Valid Passport, or U.S Permanent Resident Card)

Open an account online today

Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you open an account, we must ask for your name, address, date of birth and other information that will allow us to identify you. We may also request your driver's license or other identifying documents, even if you currently maintain a banking relationship with us. Strict adherence to these regulations helps to protect Valley and its customers from criminal activity. Your cooperation is greatly appreciated.



Why choose a Valley Checking Account?

Along with an account that meets your needs, you have access to all our services

Over 200 branches

Easy Access: 

Visit us at over 200 branches and ATMs

Account protection, fraud monitoring, card management features and more.

24/7 Security:

 Account protection, fraud monitoring, card management features and more.

debit card and mobile wallet


Use your debit card and mobile wallet to make purchasing easier than ever before.

Request a new debit, change your PIN, temporarily lock or unlock your debit card and set travel notifications through our App.

Card Management Features: 

 Request a new debit, change your PIN, temporarily lock or unlock your debit card and set travel notifications through our App. 




After you open your account, you’ll have access to:



Checking Account FAQs

  • What do I need when opening a checking account?

    To open an account, whether its online or at a branch, you’ll need the following: 

    • U.S. Residential Address 

    • Social Security Number 

    • Government Issued ID (Driver's License, State Issued ID, Valid Passport, or U.S. Permanent Resident Card) 


    Please keep in mind that to open an account online you must be 18 years of age or older. 

  • How do I re-order checks?

    All you have to do is click here and select "Reorder Checks". You can also contact your local branch to place an order.

  • How do I avoid overdraft fees?

    To avoid overdraft fees, make sure to maintain enough money in your account to cover all authorized payments and purchases. You can also choose to apply for a Preferred Checking Line of Credit to cover any unexpected overdrafts. Subject to credit approval. 



Personal Checking Insights and Tips




All Access Rewards Checking: For new consumer checking customers over the age of 18. Minimum to open is $100 with no monthly balance requirement. To receive the $240 reward, the account must receive a cumulative total of $750 or more in qualifying direct deposits per month. Reward is paid over 12 month period, $20 each month. As long as direct deposit is not discontinued, account will receive a total of $240 over the 12 month period. A qualifying direct deposit is defined as a recurring payroll direct deposit or electronic deposit of pension or government benefit such as Social Security. Transfers from one account to another or deposits made at a branch or ATM do not qualify as direct deposits. The first cash reward will be credited within 35 days of the monthly qualifying recurring direct deposit. All cash rewards may be IRS reportable. After the first year or if direct deposit is discontinued, the monthly reward will not be paid and the account will revert to an All Access Checking account. Limit of one cash reward per customer. Account agreement will contain additional terms and conditions. Offer may be withdrawn or modified without prior notice.

My Choice Checking: Minimum opening deposit of $25 is required. *Receive a $20 rebate in non-Valley ATM fees. Surpassing the rebate amount will result in a $2 fee for using a non-Valley ATM. Open a new account and receive $75 for activating Mobile Banking; plus $75 for completing a minimum of 20 debit card transactions of $5 or more or $75 for enrolling in online banking and completing three online bill payment transactions. Account must be enrolled in online statements with in the first 60 days of account opening.  If not enrolled in online statements, account will revert to an All Access Checking account. To qualify for Rewards, the above is required to be completed within the first 60 days of account opening and will be paid and deposited into the checking account within 90 days of account opening. Limit of one cash reward per customer. Must be 18 years or older to apply online and enroll in bill pay. At age 26, the Valley My Choice Checking Account will automatically convert to a Valley All Access Checking Account.

See our schedule of fees for additional consumer account information.