Earn up to $150 of rewards with our young adult checking account

  • A great first checking account for young adults aged 17-25

  • Earn up to $150 for rewards for using your account (see details below)

  • No monthly maintenance charge

  • Up to $10 monthly ATM fee rebate for using non-Valley ATMs

  • Want to read the fine print? View disclosures


    The checking account that rewards your pocket


Earning rewards is easy

Plus $75

for activating Mobile Banking with
our Mobile Banking app

Plus $75

for making 20 debit card transactions of at least
$5 or for enrolling in Online Banking and making
3 online bill payments




Here's what you get with all Valley Checking Accounts


Here's what you get with all Valley checking accounts

  • Free transactions at our Valley ATMs

  • Access to our branch network for in-person support

  • Online & mobile banking including mobile check deposit, Zelle, Bill pay, budget management and more!

  • A Valley Visa Debit Card

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

What you need to know


What you need to know

  • To be eligible to earn your rewards, the rewards activities must be completed within 60 days of opening your account, and you must be opted in to Paperless Statements

  • If you're under 18, you'll need to go into branch to open your account

  • Only those 18+ can sign up for Online Banking

  • Once you reach age 26, your account will become our 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.


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 our 
schedule of fees for details.

Minimum opening deposit of $25 is required.  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 paperless statements with in the first 60 days of account opening.  If not enrolled in paperless statements, account will revert to an All Access Checking account and you will be subject to the terms, conditions, fees of the 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. Cash rewards may be IRS reportable. Must be 18 years or older to apply online. At age 26, the Valley My Choice Checking Account will automatically convert to a Valley All Access Checking Account.


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