Centsable Checking Banking made easy with
BENEFITS THAT MAKE
A CENTSABLE CHOICE
This easy-to-use checking account with no monthly service fee.
No Monthly Service Fees
With Valley Strong's CentsAble Checking account, enjoy the convenience of no monthly service fees*.
*Other fees may apply.
Accelerate Your Pay Day
With Early Direct Deposit, gain access to your paycheck 2 days earlier**, allowing you to plan, spend, or save your money sooner. It's convenience that can make a real difference in your financial life.
**Early access to direct deposit funds depends on the timing of the payer’s submission of deposits.
We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date.
Surcharge-Free ATM Withdrawals
Experience the freedom of Fee Free ATM access with your Valley Strong Visa® Debit Card. Withdraw cash without worry with a wide network of over 90,000+ ATMs, making sure you're never far from your money when you need it.
Simple Rx Discounts
A discount code for prescription medication purchases at your local pharmacy.
(No registration required)
MULTIPLE OPTIONS FOR
OVERDRAFT PROTECTION
Choose the protection plans that best fit your life and wallet
OVERDRAFT FROM SAVINGS
A fee-free service to cover unexpected overdrafts by tapping into your savings.
OVERDRAFT PROTECTION
Option to cover up to $500 when funds are unavailable ($14 per incident).
JUST $25 GETS YOU STARTED
CENTSABLE CHECKING
A Regular Shares (Everyday Savings) Account is Required to open a CentsAble Checking Account
Apply Now
Our mission is to turn people’s financial possibilities into financial realities
Human Focused Banking
Experience personalized banking that puts people first, offering tailored financial solutions designed to support your goals and well-being.
Schedule An Appointment
Financial Education
Empowering individuals with the knowledge and tools needed to make informed financial decisions for a brighter, more secure future.
Browse Our Learning Center
Community Impact
Committed to making a difference through initiatives that strengthen and support the local community where we all thrive.
Read Our Impact Report
Discover the convenience of our
MOBILE APP
Experience effortless account access and financial management anytime, anywhere.
Mobile Wallets
Easily add your credit or debit card to your favorite mobile wallets like Apple Pay®, Google Pay®, or Samsung Pay® for secure, contactless payments.
Card Management
Manage your cards with ease! Set limits and alerts, block or unblock cards and merchants, update PINs and activate or replace cards.
FREE TRANSFERS WITH ZELLE
Send and receive money quickly with Zelle®—an easy, no-fee way to transfer funds to family and friends, right from your phone.
Mobile Check Deposits
Skip the trip to the branch—snap a photo of your check and deposit it directly into your account using your smartphone, anytime, anywhere.
YOU BETTER BELIEVE THERE ARE
MEMBER BENEFITS
Discover extended perks and additional bonuses that enhance your daily engagements.
FREE CREDIT REPORTS
Keep tabs on your financial health and make informed decisions to improve your credit score.
TAX SERVICES
Simplify tax season with discounts and expert services for a hassle-free filing.
GROUP LEGAL
Navigate legal matters easily with affordable access to legal services.
AMUSEMENT PARK TICKETS
Enjoy more fun for less with exclusive discounts on amusement park tickets.
A COMPARATIVE LOOK AT
YOUR ACCOUNT OPTIONS
Compare the features and benefits to choose the account that aligns with your financial lifestyle.
| FEATURES AND BENEFITS | CENTSABLE CHECKING (FREE CHECKING) | MAKES CENTS CHECKING (PREMIUM CHECKING) |
|---|---|---|
| 
| |
| Minimum Opening Balance | $25 | $25 |
| Monthly Service Fee | $0 | $5 (Fee waived when conditions are met1) |
| Rate Discount | X | 0.25% on Loans2 |
| Rewards Points | X | ✓ |
| No Fees ATM Network Access | ✓ | ✓ |
| Visa® Debit Card | ✓ | ✓ |
| Overdraft Protection Available | ✓ | ✓ |
| Online Banking | ✓ | ✓ |
| Bill Pay | ✓ | ✓ |
| Early Direct Deposit | ✓ | ✓ |
All rates, terms and conditions subject to change. |
| |
1$5 Fee Waived, 1. Under the age of 20 or over the age of 60 (No other requirements are needed) or meet all 3 requirements, 1) Have monthly direct deposit + 2) Enrolled in eSatements + 3) have one of the following, A) Maintain $3,000 in daily average balance, B) Have at least 12 card transactions per month (Excludes ATM transactions) C) Have an active Mortgage, Credit Card, Personal Loan, or HELOC with Valley Strong. | ||
You can never have too much
Financial IQ
Expand your financial knowledge with tons of resources
Expert Lead Workshops
Workshops & Webinar
Attend our financial workshops to get guidance from experts and network with Valley Strong Members.
Financial Education Courses
Financial Literacy Center
Access courses to help make the most of your finances on the Valley Strong Financial Literacy Center.
Financial Articles & Success Stories
Blog
Read about fellow Valley Strong Members and learn how Valley Strong partnered in their success.
OPEN YOUR
ACCOUNT TODAY
Experience the benefits of Valley Strongs CentsAble Checking with no monthly fees and rewards.
Apply NowExplore More
FINANCIAL SOLUTIONS
CREDIT CARDS
Discover flexible options to match your spending habits or build credit for a stronger financial future.
Learn More
Savings Accounts
Experience the difference with Savings Accounts, where your financial growth is our priority
Learn More