Account Services

Wallkill Valley Federal Savings & Loan has invested over 100 years getting to know the people in
Orange and Ulster Counties. As a result, we’ve come to understand the needs within our community.
We are proud to serve this generation and look forward to continuing with the next.

The services we provide have a single aim- to create the ideal banking experience.

Internet Banking

Bank from the comfort and privacy of your home or office with our Free Online Banking. Whatever the time, day or night, banking with WVFS&L online allows you to handle all routine activities including transfers between statement accounts. It’s secure, free, and easy to use!

Wallkill Valley Federal Savings & Loan safe
man taking notes

Online Bill Pay

Take care of paying all your monthly bills with just a few clicks. Imagine the money you save with no checks, no envelopes, and no stamps to purchase. Our Online Bill Pay service allows you to pay virtually anyone from your mortgage to your auto loan to your utility and cell phone bill. We offer this FREE service for an unlimited number of bills each month. Bill payment made easy, quick, and secure!

Mobile Deposit

Point * Click * Deposit. It’s that easy! Deposit a check into your account without leaving your home or office with our mobile deposit app. Mobile deposit is an added account service with the goal of creating the ideal banking experience.

Simply download the app, take a photo of the front and back of your check, and the app does the rest of the work! Your money is deposited into your account and all you need to do is void or dispose of the check. What could be easier?

mobile banking

Overdraft Protection

We understand that oversights sometimes happen. Protect your money from unnecessary fees by adding Overdraft Protection to your checking account. We can link your checking account to your Statement Savings Account so that in the event of an overdraft or returned check, money will be automatically transferred. This can also help you avoid embarrassing declinations at ATM and/or Point of Sale terminals at your favorite merchants.

Telephone Banking

Check the status of your accounts  24 hours a day, 7 days a week. With our 24 hour telephone banking services you can transfer funds between accounts and check account balances. Setting up the service is as easy as calling 1-888- 621-3304.

woman on phone
bank teller

Drive-Up Tellers

Bank without ever leaving your car! Our Wallkill, Milton, Highland Falls, Montgomery, Monroe, Walden, Otisville, and Newburgh branches all have drive-up teller lanes to make banking at WVFS&L even more convenient.

MasterCard™ Debit Card

Our Checking, Savings, and Statement Money Market Accounts offer the ultimate convenience with the MasterCard™ Debit Card.

Features of the card include:
  • ATM access to your account 24/7
  • No finance charge for debit card purchases
  • No need to write checks or wait for check approval
  • A record of your purchases are detailed on your monthly bank statement

Direct Deposit

Gain instant access to your deposits without making a trip to the bank! Direct deposit is available for any check you receive on a regular basis such as payroll, pension, or social security checks.

Safe Deposit Boxes

Keep your valuables and important documents safe and secure with a safety deposit box. Our Wallkill, Walden, Montgomery, Maybrook, and Newburgh branches all provide safe deposit boxes in various sizes to suit your specific needs.

safety deposit box
personal banking

Money Orders

If you need to guarantee payment or want to send cash, a money order is a secure payment option. When purchasing one, funds are prepaid for the exact amount drawn on the money order. They are easy to purchase, easy to use, and widely accepted as a trusted method of payment (in fact they are frequently accepted as payment when personal checks are not).

Automatic Transfers

You can arrange to have automatic monthly payments or withdrawals transferred from your WVFS&L accounts and applied to your savings accounts, toward your mortgage and other types of loan products.


ACH Service

As a member of the New York Automated Clearing House, WVFS&L can originate as well as receive domestic clearing house payments.

Additional Account Services

  • Free Notary Service available at all branches
  • 24 Hour Night Depository available at all branches
  • Bank-by-Mail Services
  • Coin Machine
  • Wire Service