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Checking Account in Salem, Oregon

Choose The Best Credit Union Checking Account For You

When you open a checking account in Oregon with Valley Credit Union, you’ll immediately experience the credit union difference! But what exactly sets us apart from banks in Salem, Oregon? Unlike traditional banks, we put our members first – with personalized service, competitive rates, and valuable member benefits.

Our Credit Union Checking Account Options in Salem, OR

No matter your lifestyle, we have a checking account for you! With our current offerings, you can rest assured you’ll find the account that best fits your checking style.

Everyday Free Checking — A No-Fee Checking Account for Everyone

Our Everyday Free Checking account is our most popular checking account. It’s perfect for people who are new to a credit union, new to checking entirely, or are tired of their current bank. With no fees, it’s a hassle-free way to manage your money. 

We’ll get you started on the road to financial success and show you why we’re the best credit union in Oregon!

Elite Premium Checking — Making Your Money Work Smarter Not Harder

If you’re looking to earn more on your deposits, this is the best credit union checking account for you. With our Elite Premium Checking account, you can reach your financial goals faster by earning money with APY and APR returns. This is our best option for people who need to keep their money safe and secure while earning dividends. Check out our current rates!

Sleep soundly at night knowing your money stays safe with us. With an Oregon checking account at VCU, our staff will be truly invested in your personal success.

Round up:

Valley’s ‘Round up’ is a program that automatically rounds up debit card purchases to the nearest dollar and transfers the difference to a savings account. It's a way to save money without having to think about it. 

How it works: When you use your Valley debit card to make a purchase, the amount is rounded up to the next dollar. The difference between the purchase amount and the rounded amount is deposited into your savings account. 

Benefits: You can earn higher dividends than a regular savings account if you have the deposits go into your ownership shares. You can build savings into your everyday banking routine.

How to enroll: You can visit the branch or call a member service representative, and we will sign you up. What to expect: You can check your savings account balance to see your round up transfer deposits. 

Personal Banking Made Easier with a VCU Debit Card

Your VCU Oregon checking account comes with a Mastercard debit card. Our credit union debit cards come with excellent benefits and the most up-to-date security features:

Advanced Security with EMV Chip Technology

Our debit and credit cards come with EMV chip technology, the global standard for secure payments. These embedded microprocessor chips help protect your data by securely storing and encrypting cardholder information for an extra layer of security against fraud.

Shop confidently knowing your transactions are safer with the latest in payment protection.

Apple Pay, Google Pay & Samsung Pay

Enjoy a fast, secure, and convenient way to use your Valley Credit Union debit and credit cards with your smartphone. Whether you're shopping in-store, online, or in an app, these mobile wallets let you pay quickly without needing to have your physical card on hand.

Simply add your Valley CU card to your Apple Pay, Google Pay, or Samsung Pay wallet, and enjoy quick and easy transactions with just a tap. Plus, you can store rewards cards and gift cards in your mobile wallet, keeping everything in one place for easy access.

Our Credit Union Checking Account Features Available At Your Fingertips

Your checking account should be more than just a place for you to store your money. Opening a credit union checking account with VCU entitles you to our unique set of account benefits:

  • Access to 30,000+ surcharge-free ATMs nationwide
  • Unlimited ATM & POS transactions
  • Free overdraft protection
  • Discount on automatic Valley Credit Union loan payments
  • 24/7 digital banking online and via our mobile app
  • Paperless statements for eco-friendly banking
  • Unlimited check writing
  • Receive direct deposit up to 4 days early with Early Pay
  • Personalized, one-on-one consultations with our team
  • All services are available online 
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Don’t Be Just An Account Number

Become a Checking Member

FAQs About Opening a Checking Account in Oregon

Our team will help you transfer direct deposits and automatic payments so you can easily switch from your current bank to the best credit union for checking accounts.

Yes, we offer free overdraft protection with our checking accounts.

Setting up direct deposit is simple. Just provide your employer with your VCU account number and our routing number.

Yes, with 30,000+ surcharge-free ATMs and online/mobile banking, you can manage your account from anywhere.

While Co-Op network ATMs are surcharge-free, using out-of-network ATMs may result in fees. Contact us for details.

Follow the activation instructions included with your card or contact our member service team.

If you notice suspicious activity, contact us immediately. We’ll help secure your account and investigate any unauthorized transactions.

Yes, for security purposes, there may be daily spending limits. Please refer to your account agreement or contact us for specific details.

You can switch to paperless statements through online banking or by contacting member service for assistance.

Yes! Our Everyday Free Checking account is a no-fee checking account that is perfect if you’re new to a credit union or checking entirety. Visit our Valley Credit Union branch to learn more.