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Checking Accounts

Bank Smarter

Even though we might not write too many actual checks these days, checking accounts serve as the basis of most personal banking activities. At Wallkill Valley Federal Savings and Loan, we have designed our checking accounts to provide all the flexibility, features and options you need today.

We have consumer (personal) checking account options to meet your needs, no matter how you bank. From free, basic checking to our interest-bearing checking account options, each of our account types provide you with the maximum convenience and value. We also have specialized accounts for students and customers who are 50 years of age and above. Our Hometown Hero account option, designed for active and retired military members and first responders, allows us to express our gratitude for your service and sacrifice.

With so many options to choose from, you might have a hard time picking the one that is right for you. That’s why our friendly and knowledgeable personal bankers are here to help. We show you all our options and help you compare features and benefits, so you can make the most informed choice possible.

All of our New York checking accounts allow you to make mobile deposits and online transfers. You will have online bill pay options along with our exclusive Wallkill Valley Federal Savings and Loan MasterCard™ ATM debit card. Of course, you will have all the paper checks you need and our convenient and easy-to-read monthly statements to help keep you on track.

Are you ready to bank smarter while enjoying the personalized service and attention that our community bank has become known for? We have multiple branch locations to serve you throughout the Hudson Valley. Contact us now or stop by one of our convenient branch locations to learn more about our New York personal checking account options.

Bank Easier

All checking accounts include convenient services such as:

  • Mobile Banking & Mobile Deposit
  • Internet Banking
  • Online Bill Pay
  • ATM/ MasterCard™ Debit Card
  • Convenient Month End Statements
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Checking Account Options Include:

Basic Checking

A free checking account. No minimum balance requirements and no monthly service fees!

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Wallkill Valley Federal Savings & Loan

Personal Now

This account features great rates that are among the highest available from any local institution. Interest is compounded continuously and is credited to your account on a monthly basis.

  • To obtain the disclosed annual percentage yield you need to maintain a minimum balance of $100.
  • With a minimum daily balance of $300 there are no fees associated with the account. The $9.00 service fee applies if your account balance falls below the minimum at any time during the month.

50 Plus Checking

If you are 50 or over, and you are looking for an interest-bearing account, our 50 Plus Checking account is another great free checking account option with no minimum balance requirements and no monthly service fees.

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Student Checking

Another FREE checking account, our Student Checking offers students 16 years or older* the convenience of a checking account. There are no minimum balance requirements and no monthly service fees!

* If you are 14 to 17 years of age you must have a parent or legal guardian on the account as a joint account holder.

Platinum Checking

An interest bearing account, our Platinum Checking also gives you 4 free foreign ATM transactions* per month. As with the NOW account, interest is compounded continuously and is credited to your account on a monthly basis

  • To obtain the disclosed annual percentage yield you need to maintain a minimum balance of $100.
  • You also need to sign up for monthly e-statements
  • With a minimum daily balance of $500 there are no fees associated with the account.  A $9.00 service fee applies if your account balance falls below the minimum at any time during the month.

*  WVFSL will waive 4 foreign ATM transaction fees up to $10 per month.

Hometown Hero

Our Hometown Hero Account offers active or retired Military, Police, Fire Department or Ambulance the convenience of a free checking account.* Additional features include 5 free foreign ATM transactions per month** , .25% discount on consumer loan rate when you use the automatic loan payment feature and 50% discount for a small safe deposit box.

  • To obtain the disclosed annual percentage yield you only need to maintain a minimum balance of $1000.***

* Proof of active service or retirement required.
** WVFSL will waive 5 foreign ATM transaction fees up to $10 per month.
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For the most up to date rate information click Deposit Rates