Re-order your checks online!

Everyone has their own preferences when it comes to checking accounts. Valley First recognizes this and offers a choice of two checking accounts.

Basic Checking

• $3 monthly Service Charge
  (Waived with direct deposit)
• $25 minimum opening deposit
• Free first box of Valley First Custom Checks

Free Checking

• No monthly fee
• No minimum deposit
• No direct deposit requirements
• Receive eStatements online

boom! Teen Checking

• No monthly fees
• $25 minimum opening deposit
• Legal guardian's signature as joint account holder is required
• Free first box of boom!^TM Custom Checks
• ATM card available

Senior Checking

• No monthly fee
• $25 minimum opening deposit
• Free Valley First Custom Checks - up to four boxes per year
• Must be 55+ years of age

Overdraft Protection All of our checking accounts feature three courtesy transfers to from savings to cover overdraft, but you can alleviate all concerns about overdrafting your account with Overdraft Protection. This line of credit will automatically cover the overdrawn amount, up to a maximum limit of $5,000.00 (on approval of credit).

Interest Checking

• $5 Monthly Service Charge*
• $25 minimum opening deposit
• Earns monthly dividends
• No minimum balance required 

* Reduced to $3 with maintained direct deposit. Waived with either an average daily balance of $500 in checking or an average daily balance of $2,500 in all checking and savings accounts conbined.

How To Open a Valley First Checking Account

You can open a Valley First Checking Account with:

• A California ID or Driver License.
• $25 minimum Checking Account deposit.
• A completed Valley First Checking Account Application. Applications are available online or at any Valley First Branch.

To open your account by mail, send a copy of your California ID or Drivers License, a check for $25, and a completed Valley First Checking Account Application to Valley First Credit Union, P.O. Box 1411, Modesto, CA 95353-1411.

Valley First Check Card Streamline your checking and daily money management needs with the new Valley First Check Card! It's a debit card (plastic check), ATM card, and point-of-sale (POS) transaction card - all in one. It's accepted wherever Visa Cards are honored.

With your Valley First Check Card:

• Each transaction is debited from your checking account with no finance charge or annual fee.
• Worldwide acceptance, wherever the Visa logo is displayed.
• Also functions as an ATM card.
• Make easy point-of-sale transactions at gas stations, stores and restaurants.
• At international ATM's, you receive accurate, up-to-the-minute currency exchange rates.
• All purchases are itemized on your monthly checking statement.

Activating Your Valley First Check Cards

• Call the credit union during business hours at (209) 549-8500 or (559) 275-3944.
• Call Valleyline 24-hours a day at (209) 524-5132 or (800) 266-8328.

Security Tips 

• Sign the back of your card.
• If your card is lost or stolen, immediately call the Credit Union at (209) 549-8500 during regular business hours, and (800) 754-4128 after hours.
• Always check the total of each transaction before you sign the sales slip, and never a blank sales slip (one that doesn't have a dollar amount).
• Keep your PIN a secret. Don't give it out to anyone, not even Valley First employees, and never carry it with your Valley First Check Card.
• Always shield the ATM keypad so that people waiting to use the ATM cannot watch you enter your PIN.
• Be sure to keep receipts of all Valley First Check Card purchases and record them in your checkbook.
• Verify your Valley First Check Card transaction amounts through Home Banking, eStatements or monthly mailed statement.