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Makes Cents Checking

(Premium Checking)

Open a Makes Cents Account

Just $25 gets you started with a Makes Cents Checking Account.

Regular Shares (Everyday Savings) Account is required to open a Makes Cents Checking Account.​

Makes Cents Checking Account Features:

  • $5 monthly service fee. See image below for fee waiver options.
  • Free account access and statements through DataNet online banking.​
  • A waived monthly service fee with monthly direct deposit, eStatement enrollment and either A, B or C below.
    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.​
  • Overdraft Protection Options through Courtesy Pay: A discretionary overdraft protection service with limits up to $500, to cover transactions when funds are not available in an account. A $30 Courtesy Pay fee is assessed for each transaction that utilizes Courtesy Pay. Members must opt in for ATM and debit card transactions to be covered by Courtesy Pay.
  • Ready Cash Line of Credit: A loan designed to cover unexpected overdrafts with the benefits of no transfer fee and a low monthly payment.
  • Regular Savings Transfer: Incoming debit transactions (paper checks, electronic items, and automatic debit card transactions) can still be paid when funds are not available via an automatic transfer from your Regular Savings Account.​
  • Paper checks, electronic items, as well as debit card and ATM transactions all can be covered with Courtesy Pay.​
  • Accessible through an ATM, Visa Check Card, Bill Pay within DataNet and DataMobile, or by visiting any of our conveniently located branches.

Earn Reward Points to Spend

  • Makes Cents Checking Members earn 1 point for every $4 of signature spend.
  • Earn 2,500 bonus points with an annual signature spend of $20,000.
  • Choose how you want to redeem your rewards points*:
    • Dreampoints Website- Points can be redeemed for gift cards, merchandise, and travel.
    • “Checkout With Points”- Redeem either 1,000 points for $5 off or 2,000 points for $10 off at select retailers.
    • “Fuel With Points”- Redeem 2,000 points for $0.50 off per gallon of gas up to 20 gallons at participating gas stations.
    • “Pay With Points”- Pay for qualified purchases with the points you have already earned.

*Checkout With Points, Fuel With Points, and Pay With Points will not work with mobile wallets such as Apple Pay, Google Pay or Samsung Pay.

learn more about rewards

  • Earn Cash-Back powered by EvoShare
    Earn unlimited cash-back through an online shopping mall. Shop 10,000+ e-tailers and 700,000+ hotels.  Learn More 
  • mySImpleRX logo small
    A discount code for prescription medication purchases at pharmacies such as CVS, Rite-Aid, Walgreens, Wal-Mart, and more. No registration required. Get your discount card here.

Fee Waiver Options

$5 Fee Waived

  • Early Direct Deposit

    Early Direct Deposit is just another benefit of being a Valley Strong Member.

    Valley Strong offers its Members Early Direct Deposit, where you can have access to your money up to two days early*. Yeah, we know that life doesn’t wait for your paycheck, and we think you shouldn’t have to either. It’s finally time to get your payday on your schedule. That’s just one of the ways Valley Strong helps you Grow Your Possibilities.

    Enrollment is quick and easy!

    Learn More

  • ATM/Visa Check Cards

    Visa Check Cards

    Get a Visa Check Card with your checking account for lots of built-in conveniences.

    • Withdraw cash from ATMs.
    • Make PIN and signature purchases locally, nationally, and internationally.
    • Use wherever Visa is accepted.
    • Easier than writing a check.
    • Available for debit (PIN) or credit (signature) transactions.
    • Receive text, push, and email notifications when your card’s been used with Valley Strong Card Alerts.
    • Add to your Apple®, Google™, or Samsung Pay® to make purchases at over 220,000 merchants and stores!


    ATM Cards

    When opening an account, you may also request an ATM Card. With a Valley Strong ATM Card, you have the ability to make transfers, withdrawals, and deposits through any ATM.


    Learn More