Checking Accounts

Don't Pay Fees to Use Your Own Money

Here you'll never be charged fees for not meeting a minimum balance, or not having direct deposit, or visiting a ATM—most banks can't say the same.

It's simple. RVCCU Checking Accounts are built to suit you, not stress you out.


Valley Free Checking

Worrying about your checking account shouldn't be a thing.

Why worry about minimum balance requirements or monthly account fees? You've got enough on your mind.

You'll get:

MasterCard™ Debit Card

  • Mobile card management with the MyMobileMoney app

  • Online security through MC SecureCode

Easy account access

  • Online and mobile access through eValley

  • Online BillPayer+

  • eStatements

  • Phone access through Member Connect

Mobile deposit

  • Deposit checks on the go.

Free ATM network

  • Skip the ATM fees with our local and nationwide network of free ATMs

Overdraft Protection

  • Avoid having your transactions declined and checks returned by using Member Privilege, your Savings Account, or both

You'll never worry about:

  • Minimum balance requirements

  • Monthly service charges or fees

  • Monthly transaction number limits or requirements

  • Per-check fees for written checks


Valley Gold Checking

Sometimes all you need is a second chance.

Did you make mistakes with a checking account in the past and now can't open a new one at other banks?

This account is for members who need a chance to rebuild their "checking credit." You'll get many of the same benefits as our regular checking accounts, but with a few restrictions and a small monthly fee. (Download our Truth-in-Savings Disclosure)

If you think this might be the right option for you, please talk to one of our FSRs to learn more.

Starting June 1, 2024, we will no longer be sending Non-Sufficient Funds (NSF) fee notices to our members.  The monthly statements will show all recent NSF fees.