Valley Credit Union

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Being a part of Valley Credit Union is really more like being a part of a close-knit family - one that functions for the betterment of all parties involved.

Account Opening - Valley Credit Union

Federally Insured by NCUA. We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act.

Terms and Conditions

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Please enter the six-digit code that was sent to your email address.

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Apply for a Valley Credit Union Account today!

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By checking this box you agree to our <a href="https://www.valleyfcu.com/privacy-policy.html" target="_blank">Privacy Policy</a>.

What is your legal name as it appears on your passport or other government-issued ID?

Let’s start with your name.

It looks like you are under 18 years old and therefore ineligible to apply adult account. If you would like to open a youth account with a parent or guardian, please click <a href='https://onboard.cotribute.co/flows/6d4661eb-db01-4050-a5e4-6c1915dbd124' target='_blank'>here</a> to start that process.

Contact us for further assistance: MT Local: 406-656-9100, WY Local: 307-587-2274, or Toll Free: 800-735-6421

Did you mean to open a youth account?

We use this information to verify your identity. Your information is always kept private, will never be shared, and is protected by 256-bit SSL Encryption.

Street Address

Apartment Number (Optional)

City

State

Zip Code

What’s your home address?

What’s your mailing address?

This information is protected by 256-bit SSL Encryption, and is required by the federal government to verify your identity and to provide interest income reporting. Your information is always kept private and will never be shared.

Let’s verify your identity.

Verifying your ID now helps expedite opening your account. This process can be securely completed with a webcam-equipped mobile device and only takes a few minutes.

You will need one of the following ID documents:<ul><li>Driver’s license</li><li>State ID</li><li>U.S. Passport</li></ul> Your ID's information must match what has been provided in the application.

If you encounter problems with this system or would prefer to validate your ID later, please return to the previous step.

We found existing membership information on file for you. Would you like to use one of the memberships below?

Let's verify your identity

Please choose the accounts you wish to open today.

Please choose the deposit products below that you wish to open today.

It all starts with a great savings account!

Please provide us information about your current employment status.

Employment

If you have their information available, we can quickly add a joint applicant to your application.

Would you like to add a joint applicant?

Check if the joint applicant lives at the same address as you.

Let us know how we can get in touch with your joint applicant in case we need to.

What is your joint applicant’s contact information?

They've stayed at the address for the past two years.

We use this information to verify your joint applicant is who you say they are. This information is always kept private, will never be shared, and is protected by 256-bit SSL Encryption.

What’s their home address?

What’s their previous address?

Check if they would like to add a mailing address

This helps us find a loan that accounts for other monthly expenses.

What is their current living arrangement?

What’s their mailing address?

This information is protected by 256-bit SSL Encryption, and is required by the federal government to verify your joint applicant’s identity and to provide interest income reporting. This information is always kept private and will never be shared.

Let’s verify your joint applicant’s identity.

We use income data solely to verify their eligibility for our highly competitive loan products. This information will be stored securely and will never be shared with anyone else.

Let’s document their income next.

If you would like to designate beneficiaries, you will need to provide their name, contact information, and address in the next step. If you do not have the information available now, you can add beneficiaries at any time once the account has been opened.

Beneficiaries

Initial Deposit

Log in to your existing bank to fund your new checking account.

Link your current bank account so we can wirelessly transfer funds as soon as your new account is opened.

By clicking "Link Account", you agree to our partner Plaid’s <a href="https://plaid.com/legal/terms-of-use/" target="_blank">Terms of Use</a> and <a href="https://plaid.com/legal/#consumers" target="_blank">Privacy Policy</a>.

Let’s link your bank account.

In order to establish membership, a membership savings account is required. A savings account can be opened with a deposit of $25 or more. If you are opening a checking account, a second minimum opening deposit of $5 is required to establish this account. If you select a Rewards Checking + Savings, $1 of your initial deposit will be moved to fund your Reward Savings account.

How much would you like to initially deposit?

*Politically exposed person: Includes a senior official of a foreign government or major foreign political party or an executive of a government-owned corporation.

Cash and Wire Activity

This is a special overdraft protection service and benefit that we offer on our checking accounts. Valley Privilege may automatically cover an occasional and temporary overdraft that may happen. For personal accounts, overdrafts and fees up to a total of $500 may be covered. For business accounts, overdrafts and fees up to a total of $1,000 may be covered.

Please choose the services you would like to opt in for.

Additional Services

By checking this box you agree to our <a href="https://onboard.cotribute.co/organization/valley-credit-union/disclosures/membership-agreement-dca555c8" target="_blank">Membership and Account Agreement</a>.

By checking this box you agree to our <a href="https://onboard.cotribute.co/organization/valley-credit-union/disclosures/certificate-agreement-49a407af" target="_blank">Certificate Disclosure</a>.

Please accept these disclosures to continue.

Disclosures

By submitting, you promise that everything you have stated in this application is true and correct to the best of your knowledge and you authorize Valley Credit Union to use your credit report(s) for marketing purposes, including but not limited to loan pre-approvals, and in considering whether to offer other products and services to you.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Under penalties of perjury, I certify that: 1) The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued) 2) I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding 3) I am a U.S. person (including a U.S. resident alien).

We’re about done. Does everything look right?

Thanks for giving us the opportunity to partner with you in your financial goals. We look forward to serving you! If you have any questions or concerns, please feel free to contact us at MT Local: 406-656-9100, WY Local: 307-587-2274, or Toll Free: 800-735-6421.