Free Checking

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Why pay when you can get it for free?

Say goodbye to monthly service fees with our Free Checking Account.

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Enjoy these convenient features & benefits:

No Monthly
Service Fee

No Minimum

No Direct Deposit

Unlimited Deposits and


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To establish a Free Checking Account, you must be a member of the credit union. There are no minimum deposit or balance requirements for the Free Checking Account.


Protect Yourself and Your Money

Overdraft Coverage 

Protect yourself from overdrafts and avoid the inconvenience of declined transactions with the Overdraft Coverage option(s) that suit your needs.

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Not available with OnTrak Checking.

vAlerts powered by Visa®

Closely monitor your Visa Debit and/or Credit Card to help identify potential fraud. Receive email or SMS text message notifications when certain transactions occur on your account.

Sign Up

Usage charges for text and data may apply.

Free 24/7 Services

Online & Mobile Banking

Free, secure access to your account anywhere, anytime.

Make transfers, check balances, and apply for loans at your convenience. Enrolling is fast and easy. Get started today and enjoy our user-friendly Online & Mobile Banking.

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Data and other wireless carrier charges may apply.


Reduce paper clutter and the hassle of shredding sensitive account information with eStatements.

Conveniently access statements and important notices when you need them within our secure Online & Mobile Banking.

Bill Pay

Easily manage and pay your bills while saving time and money with free Bill Pay.

You can set up payees, schedule payments and view recent, pending and past payments at any time.


Day or night, conveniently transfer money, check balances, make loan payments and much more by calling Valleyline, our 24-hour automated phone line.

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Opening an account is easy.

Simply visit your local branch and a Member Service Specialist will assist you in opening your Free Checking Account. 

Not yet a member?

You can establish membership if you meet our membership eligibility requirements and open a Primary Share Account. Learn about the many perks of membership.

Non-Profit Status?

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Our Free Checking Account is also available to non-profit organizations. You must be a member of the credit union, provide proof of non-profit status from the IRS, and complete a
Non-Profit Account Application.

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2Not Available with OnTrak Checking.
3Usage charges for text and data may apply.