OnTrak Checking

Section Content: 

The road to financial recovery starts here.

Designed to put you on the right track to financial freedom and help you overcome financial roadblocks.

Section Content: 

Enjoy these convenient features & benefits:

Low Monthly
Service Fee of $101

No Minimum

No Direct Deposit


Section Content: 

You can reduce the $10 monthly service fee to $8 by having a direct deposit into the account during the Monthly Qualification Cycle.1

To establish an OnTrak Checking Account, you must be a member of the credit union and 18 years or older.

Section Content: 

Protect Yourself and Your Money

Text Alerts

Text Banking

Keep careful watch for possible fraud on your account with Text Banking! Quickly and securely check your account balance, recent activity and make transfers on the go with a simple text!2

Learn More

Visa® Purchase Alert

Closely monitor your Visa Debit and/or Credit Card to help identify potential fraud. Receive notifications when certain transactions occur on your account via email or SMS text message.2

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.

Learn More


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.

Learn More

Section Content: 

Opening an account is easy.

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

Section Content: 

1This fee may be reduced to $8 by having a direct deposit post and settle to the account during the Monthly Qualification Cycle. Direct deposits may take one or more business days from the date the transaction was made to post to and settle an account. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle, subject to weekends and holidays. Other miscellaneous fees apply.
2Usage charges for text and data may apply.