Open an Account Current Rates

Get direct deposit today when you open your ValleyStar checking account. With a checking account, you can have funds deposited automatically, saving you time, while avoiding disruptions in accessing your money. You can also split and save your direct deposit to create healthy saving habits. Not to mention, your accounts are safe with us. By enrolling in direct deposit, you’re minimizing the risk of ID theft or mail fraud through paper tracks.

Features & Benefits of our Free Checking Account*

  • No minimum balance requirement
  • No initial deposit required to open
  • No monthly service charge*
  • 55,000+ surcharge-free ATMs worldwide
  • Earn dividends
  • No per-check charge
  • Free instantly issued Visa® Debit Card
  • Free Point-of-Sale (POS) transactions when using our Debit Card

How Much Am I Spending?

*with the election of electronic statements

We offer easy ways to earn.

Open a primary checking account and earn 1% APY, plus $250 for meeting direct deposit requirements.

  1. Open a primary checking account
  2. Set up direct deposit
  3. Make direct deposits of at least $1,000/month for three months
  4. Wait for your money

After three months of consistent direct deposits of at least $1,000, ValleyStar will deposit $250 into your checking account.

All members will automatically receive 1% APY for keeping an average monthly balance between $500-$10,000 – No deposit necessary. At ValleyStar, we believe in giving our members a boost.

You Also Get Our Digital Banking Package – FREE!

  • Free Online Banking*
  • Free Mobile Banking*
  • Free Bill Pay*
  • Free eStatements*
  • Free Mobile Deposits*
  • Free eLerts*
  • Free access to our live team members*

Register Today

*Messaging and carrier data rates may apply.


How to open a Free Checking Account at ValleyStar Credit Union

  • Open a savings account and deposit $5 to establish your membership with ValleyStar, unlocking all your credit union benefits
  • Open a checking account with no initial deposit
  • Enroll in eStatements to easily and securely access your statement and avoid paper statement fees
  • That’s it – should you ever decide to close your accounts, you’ll be refunded the $5

It’s quick and easy!

Become a Member


*Offer may be canceled at any time. APY = Annual Percentage Yield and is effective as of 7/1/23. Rates and terms subject to change without notice. Must maintain an average monthly balance of $500-$10,000 to earn the APY. Fees could reduce earnings. $250 direct deposit bonus credited to checking account within 180 days of account opening if (a) a new primary (S0080) checking account is opened, (b) member establishes recurring monthly direct deposit to account of net pay that totals $1,000 or more, pension, or government benefits, (c) first direct deposit posts within 90 days after account opening and (d) three consecutive months of minimum monthly direct deposit is maintained within 150 days of account opening. Recurring transfers or deposits from other sources, such as other accounts at ValleyStar or accounts at other institutions, do not qualify. Offer good for new and existing members who establish a new primary (S0080) checking account only—members who closed their primary (S0080) checking account within two years of new primary share draft account open date are not eligible for bonuses. Limit one bonus per member/distinct social security number. Other restrictions may apply. Taxes on bonuses, if any, are the recipient’s responsibility. ValleyStar complies with federal and state tax reporting laws.