Banking Checking Personal Checking Accounts Simple and rewarding checking accounts Choose the account that's right for you Most Popular All Access Rewards Checking Put $20 in your pocket each month Enjoy a simple checking account that puts up to $240 in your pocket within a year when you link it to a qualifying direct deposit. No minimum balance requirement Open an account for as little as $100 Receive $20 a month for a year Learn more Open Now Valley My Choice Checking Get $150 in Valley Rewards The perfect first checking account for young adults (ages 17 to 25). Receive Valley Rewards up to $150 with mobile banking, debit card transactions or Bill Pay No monthly service fee Up to $20 rebate on ATM fees Learn more Find a Branch Find out which account is right for you All Access Rewards Checking My Choice Checking What is this account? A simple straight forward checking account that rewards you $240 in your first year. Account designed for young adults to help take control of their finances. ATM rebates Monthly fee No No Interest Earning No No Minimum Opening Deposit $100 $25 Non - Valley ATM Withdrawal Fee $2 $0 or $2* Online Statements No Debit Card Personal, Online and Mobile Banking Open Now Find a Branch Looking for something different in a checking account? See all our checking accounts What you'll need to open an account: Must be 18 or older U.S. Residential Address Social Security Number Government Issued ID (Driver's License, State Issued ID, Valid Passport, or U.S Permanent Resident Card) Open an account online today 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. Why choose a Valley Checking Account? Along with an account that meets your needs, you have access to all our services Easy Access: Visit us at over 200 branches and ATMs 24/7 Security: Account protection, fraud monitoring, card management features and more. Convenience: Use your debit card and mobile wallet to make purchasing easier than ever before. Card Management Features: Request a new debit, change your PIN, temporarily lock or unlock your debit card and set travel notifications through our App. After you open your account, you’ll have access to: Mobile Banking: Download our Mobile App to get direct access to your Valley accounts anytime, any where. Mobile Wallet: Make payments while shopping directly from your smart phone. Add your Valley debit & credit cards today. Valley Visa Debit Card: A simple, convenient and secure card with the same buying power as a credit card. Personal Online Banking: Bank anywhere, anytime, day or night, from any device. Checking Account FAQs What do I need when opening a checking account? How do I set up direct deposit and what do I need? How do I re-order checks? How long is a personal check good for? How do I avoid overdraft fees? Personal Checking Insights and Tips ARTICLE - 5 MIN READ How to avoid overdraft fees ARTICLE - 5 MIN READ Choosing the right type of checking account for you ARTICLE - 5 MIN READ 5 questions to help figure out where your money should go when things get hard Disclosures: All Access Rewards Checking: For new consumer checking customers over the age of 18. Minimum to open is $100 with no monthly balance requirement. To receive the $240 reward, the account must receive a cumulative total of $750 or more in qualifying direct deposits per month. Reward is paid over 12 month period, $20 each month. As long as direct deposit is not discontinued, account will receive a total of $240 over the 12 month period. A qualifying direct deposit is defined as a recurring payroll direct deposit or electronic deposit of pension or government benefit such as Social Security. Transfers from one account to another or deposits made at a branch or ATM do not qualify as direct deposits. The first cash reward will be credited within 35 days of the monthly qualifying recurring direct deposit. All cash rewards may be IRS reportable. After the first year or if direct deposit is discontinued, the monthly reward will not be paid and the account will revert to an All Access Checking account. Limit of one cash reward per customer. Account agreement will contain additional terms and conditions. Offer may be withdrawn or modified without prior notice. My Choice Checking: Minimum opening deposit of $25 is required. *Receive a $20 rebate in non-Valley ATM fees. Surpassing the rebate amount will result in a $2 fee for using a non-Valley ATM. 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 online statements with in the first 60 days of account opening. If not enrolled in online statements, account will revert to an 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. Must be 18 years or older to apply online and enroll in bill pay. At age 26, the Valley My Choice Checking Account will automatically convert to a Valley All Access Checking Account. See our schedule of fees for additional consumer account information. Let’s talk 800-522-4100 Contact Valley Locate a Branch or an ATM PERSONAL Banking Financial Planning Lending Learning Center Account Log In BUSINESS Business Checking Commercial Lending Industry Expertise & Services Business Savings Treasury Solutions WHY VALLEY Careers Customer Service Investor Relations and Newsroom Ways to Bank With Us About Valley CONNECT WITH US DOWNLOAD OUR APP Copyright © 2021 Valley National Bank, All Rights Reserved. Member FDIC, Equal Housing Lender Privacy Security Terms of Use Accessibility FAQs