The checking account that
rewards your pocket


No Valley ATM fees, no account fees, no transfer fees.


Open your account with as little as $100.


Earn $20 a month for a full year, giving you $240 in your pocket.


     View disclosures

    Rewards Checking Account


Earning rewards today!


Open an account online in just a few minutes.


Open an account online in
just a few minutes.

Fund your account with the click of a button or set up direct deposit.


Fund your account with the click of
a button or set up direct deposit.

Begin to earn rewards every month to spend on what ever you like.


Begin to earn rewards every month
to spend on what ever you like.




Here's what you get with all Valley Checking Accounts

Here's what you get with all Valley Checking Accounts 


Check MarkValley debit card so you can shop anywhere.


Check MarkOnline & mobile banking, mobile deposits, bill pay and more.


Check Mark24/7 account protection and fraud monitoring. 




Valley Rewards Checking Account
is used by over
4,000 customers


Open an account in less than 10 minutes



Frequently Asked Questions

  • What is a Rewards Checking account?

    When you open a Valley All Access Rewards Checking account and link your account to a direct deposit, you’ll get rewarded each month! There is no minimum balance, and you can open the account with as little as $100.  Simply initiate a qualifying recurring monthly direct deposit of $750 or more and you’ll start getting $20 every month for a year deposited into the account.

  • How does the Rewards Checking account work?

    Once you open an All Access Rewards Checking account, you have to set up monthly direct deposit of $750 or more (this can be payroll, social security or other government or pension benefits). Then you’ll start enjoying $20 a month for a year. That’s $240 back in your pocket!

  • Is there a catch?

    There isn’t a catch, we just think you deserve something special right now.

  • What information do you need for an application?

    To open an All Access Rewards Checking account you’ll need to have some information handy. To start, you must be 18 years or older and have a US residential address. Whether you’re applying for an individual account or with a joint applicant, all those applying must have a Social Security number and have a Government ID in the form of one of the following: driver's license, non-driver ID, passport, proof of being a US permanent resident.

    Then it will be time to fund your new account. All you need are the login details for your online banking account information — we will take care of the rest.

  • Are there fees associated with this account?

    There are no Valley ATM fees, no account fees and no transfer fees to worry about. If you use your debit card at another financial institution, there is an ATM fee that is non-refundable.


Digital tools to help you complete your banking tasks:

Take control of your finances

My Money Manager

With My Money Manager, you can connect your accounts from all your financial institutions to see the complete picture of your finances using this new feature within Valley online banking! Quickly and securely link your loans, mortgages, investment accounts, and more. Gain powerful insights on when, where and how you spend your money, manage your budgets and more.

Lean More
Easily Transfer Funds

External Transfers

You can now securely transfer funds between your Valley personal checking account and your accounts at other banks using Valley’s online banking and mobile app.

Learn More
send money and request money


Zelle is a fast and easy way to send money and request money with friends, family and others you trust. Now you can split the bill at lunch or settle up with friends regardless of where they bank.

Lean More

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.


Disclosure: 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.

Schedule of Fees