Makes Cents Checking
EXCEPTIONAL ADVANTAGES WITH
SMART BANKING
Enjoy a checking account that exceeds expectations with rate discounts, early direct deposit,
and a debit card that earns you rewards points on purchases!
Unlock Better Borrowing
Secure a special 0.25% discount1 on loan rates, making your borrowing more affordable and supporting your financial aspirations.
Accelerate Your Pay Day
Early Direct Deposit2 means quicker access to your paycheck, enhancing your ability to manage your finances with ease.
Rewarding Every Purchase
Each $5 spent on signature purchases with Makes Cents Checking earns you rewards points3, effortlessly converting daily expenses into rewards.
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).
1Receive a 0.25% rate discount on an Auto or Personal loan with an open Make Cents Checking Account. Offer valid for loans funded after December 31, 2023. Must have both an open Shares and Make Cents Checking account. Discount applied when Makes Cents Checking Account is opened and will be removed if the Makes Cents Checking Account is closed.2Early 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. 3For rewards points terms and conditions please click here. Have any questions on the rewards program? View our Frequently Ask Questions here.
JUST $25 GETS YOU STARTED
MAKES CENTS CHECKING
A Regular Shares (Everyday Savings) Account is Required to open a Makes Cents 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.
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Financial Education
Empowering individuals with the knowledge and tools needed to make informed financial decisions for a brighter, more secure future.
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Community Impact
Committed to making a difference through initiatives that strengthen and support the local community where we all thrive.
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Discover the convenience of our
MOBILE APP
Experience effortless account access and financial management anytime, anywhere.
Mobile Wallet
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 COMPARITIVE 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. | ||
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Workshops & Webinar
Attend our financial workshops to get guidance from experts and network with Valley Strong Members.
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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 Strong's Makes Cents Checking account that rewards you for everyday spending.
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FINANCIAL SOLUTIONS
CREDIT CARDS
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