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MODERN. FLEXIBLE. EASY TO USE.

Personal Checking

An easier banking experience

When you open an account with us, you're not just a number. We focus on building relationships to really get to know what's important to you on top of best-in-class service. Let us show you how great your bank experience can be.

Checking Accounts

We've got options for you

Both our Free Checking and VIP Checking give you access to our state-of-the-art app and let you earn points on all your purchases by registering your debit card with U-Choose. VIP Checking has a $400 minimum account balance and it earns interest. Free checking has no balance requirement or monthly fees, but it doesn't earn interest. Which is the best option for you?

Free Checking

  • NO MONTHLY MINIMUM BALANCE
  • NO MONTHLY SERVICE CHARGE
  • Accessible via the V.Bank app
  • Visa debit card
  • Online bill pay
  • Mobile check deposit
  • Send and receive payments with Zelle®
  • Earn points on debit transactions with U-Choose
  • $100 to open an account

VIP Checking

  • EARNS INTEREST
  • Accessible via the V.Bank app
  • Visa debit card
  • Online bill pay
  • Mobile check deposit
  • Send and receive payments with Zelle®
  • Earn points on debit transactions with U-Choose
  • $100 to open an account
  • $4 monthly service charge if the balance falls below $400

Click here to order checks with Deluxe Checks, our preferred check service.

Deluxe Check Order Deluxe Re-Order

Solutions designed just for you.Specialty Accounts

We’re here to partner with you on your journey, helping with every step.

Elite Checking (Age 55+) Health Savings Account (HSA)
age 55 retired couple

Features ideal for those in their golden years.

  • NO MONTHLY MINIMUM BALANCE
  • NO MONTHLY SERVICE CHARGE
  • EARNS INTEREST*
  • $100 OPENING DEPOSIT
  • AND MORE!
doctors appointment HSA

Prepare and save for out-of-pocket medical expenses.

Pay for qualified medical expenses, including copays, prescriptions, dental care, contacts and eyeglasses, bandages, X-rays, and a lot more.

  • TAX EXEMPT
  • DEBIT CARD AVAILABLE
  • ONLINE BANKING

Must meet qualification criteria according to IRS guidelines and be paired with an HSA-eligible health plan.*

MOST POPULAR PRODUCT

VIP Checking

A checking account that earns interest

With as little as $100 you can open a checking account that earns money too. 

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Features and Benefits

Online Banking

Mobile App

VISA Debit Card

Online Bill Pay

Mobile Check Deposit

Zelle® Transfers

U-Choose Rewards

Card Valet

Fraud Protection

Bank with Confidence

Open a checking account with Valliance Bank today!

Apply Now