A simple checking account with easy access to your money

  • Open your account with as little as $100

  • No monthly maintenance charge for balances over $99

  • Want to read the fine print? View disclosures

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Opening an account is easy

Open an account


1.  Open an account online
in just a few minutes.

Fund your account


2.  Fund your account with
as little as $100

Open an account


3.  Enjoy easy access checking with a
low minimum balance



What you get with your Valley Checking Accounts


Here's what you get with all Valley 

checking accounts

  • Online & mobile banking to access mobile deposits, Zelle, Bill Pay, budget management, and more!

  • Valley Visa Debit Card

  • Access to 230+ ATMs and 200+ branches for free withdrawals and account support

  • FDIC insured up to $250,000 per depositor, for each account ownership category




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.

See our schedule of fees for additional consumer account information.


A monthly maintenance charge of $15 is applied to accounts where the average daily balance falls below $99


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