The checking account that
rewards your pocket

  • Earn $20 per month for a full year, that's $240 in your pocket!

  • Open your account with as little as $100.

  • No Valley ATM Fees, No Account Fees, No Transfer Fees*

  • Want to read the fine print? View disclosures


    The checking account that rewards your pocket



Earning rewards is easy


Open an account online in just a few minutes.


1.  Open an account online
in just a few minutes

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


2.  Set up at least $750 in
monthly direct deposits

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


3.  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

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

  • 24/7 account protection and fraud monitoring

  • Valley debit card so you can shop anywhere

  • 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.





More than 4,000 customers are already earning rewards with
the Valley All Access Rewards Checking!


Join them! Open an account today. It takes less than 10 minutes.

   Apply Now


What you need to know

What you need to know

  • $20 will be deposited as cash in your account each month when you set up at least $750 in monthly direct deposits.

  • After 12 months, the rewards offer ends and your account becomes a standard Valley All Access Checking account

  • While the Valley All Access Checking account does not earn rewards, it does come with all the other benefits of banking at Valley.



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!

  • 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.*


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.


 * Other fees may apply. Refer to 
Schedule of Fees for details.
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. Rewards are limited to one account and primary account holder.  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 and you will become subject to the terms and/or fees of that 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.


  Back to Top