The perfect balance of saving and spending

  • Earn 0.02% APY interest on your balance

  • Open your account with as little as $100

  • No monthly maintenance charge for average daily collected balances of 1,000 or more

  • Want to read the fine print? View disclosures

Family on vacation


Earning interest 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 as little as $100.

2.  Fund your account with
as little as $100.

Earn .02%25 APY interest on your balance


3.  Earn .02% APY interest
on your balance.



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!

  • 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, per each account ownership category





There are many checking accounts to choose from, but very few earn
interest. With an Interest Checking Plus account, customers
get the best of both worlds - savings and spending!


Open an account today. It takes less than 10 minutes.


   Apply Now


What you need to know


What you need to know

  • A maintenance charge of $15 is applied to accounts where the average daily balance falls below $1,000.

  • Interest is calculated based on your average daily collected balance




The Annual Percentage Yield (APY) is effective and accurate as of 10/12/2023. Rate may change after the account is opened. Minimum deposit of $100 to open this account.   You must maintain an average daily collected balance of $1,000 to earn the advertised APY.  Offer may be withdrawn or modified without prior notice. Fees could reduce earnings. See a Bank Representative for complete terms and conditions.

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.


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