Checking Accounts

Choose the checking account that’s right for you.

Valley Communities Credit Union offers options in personal and business checking accounts. We provide you convenient ways to manage your checking account with access via our ATMs located at all of our locations and online banking. Login to NetBranch and manage your account anytime.

Personal Checking

Features Free Checking Classic Checking
Best if you want... a free checking account with no minimum balance requirement or monthly service fee. an account that earns interest along with unlimited check clearing each month.
Online Banking FREE
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FREE
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Minimum balance to earn interest N/A $300.00
Interest Rate & Annual Percentage Yield N/A Click here for current interest rates.
Monthly Service Charge None $3.00 if balance falls below minimum at any time during the month.
Card Information Free ATM or Visa Draft Card
(2 free cards max.)
Free ATM or Visa Draft Card
(2 free cards max.)
Interest Frequency N/A Monthly
ATM Transactions Free at Valley Communities Credit Union ATMs for cards issued through Valley Communities Credit Union. Free at Valley Communities Credit Union ATMs for cards issued through Valley Communities Credit Union.
E-Statements E-Statements are free through NetBranch. E-Statements are free through NetBranch.
Overdraft Protection Enrollment available. Enrollment available.
Deposits Insured by NCUA up to $250,000 Yes Yes

Non-Personal Checking

Features Small Business & Organizational Checking Business Checking
Best if you want... a checking account that earns interest for your small business or organization. Plan to maintain smaller balances and/or perform a small amount of transactions each month. a checking account that earns interest for your business. Plan to maintain larger balances and/or perform a lot of transactions each month.
Online Banking FREE
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FREE
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Minimum balance to earn interest $2,500.00 $10,000.00
Interest Rate & Annual Percentage Yield Click here for current interest rates Click here for current interest rates
Monthly Service Charge $3.00 if balance falls below $500.00 at any time during the month. $12.00
Draft Check Clearing Fee .15/draft in excess of 25 .15/draft in excess of 50
Interest Frequency Monthly Monthly
E-Statements E-Statements are free through NetBranch. E-Statements are free through NetBranch.
Item Processing Fee .20 for each item deposited in excess of 100 per month .10 for each item deposited in excess of 200 per month
Deposits Insured by NCUA up to $250,000 Yes Yes