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The Home of HOA Banking
The Home of HOA Banking

Operating Account

HOA Checking Account

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We’ve designed an HOA checking account that simplifies how you manage your homeowners association's finances. Our intuitive online and mobile banking features integrate easily with most widely-used property management software platforms, making your banking experience easier than ever. 

You can check your balance, transfer funds, and make payments all while you're on the go taking care of the needs of your association members. With an easy to maintain daily minimum balance requirement and a generous earnings credit rate (ECR), our HOA checking  account will be one of the simplest things you'll manage every day. We’ve even made opening an account easy. Apply online today. 

Key benefits of this account are:

Easy access, any time, with online and mobile banking

Write as many checks as you need with no fees

Get account support from our expert Valley team

Other considerations:

Account facts

  • Peace of mind being FDIC insured
  • Get unlimited check writing
  • No monthly service charge when you have a daily balance of $500
  • Accrues competitive earnings credit which can be used to offset monthly activity fees

Available Treasury Services

  • Business Online Banking
  • ACH Origination
  • ACH Positive Pay
  • Payee Positive Pay
  • Insurance Cash Sweep
  • CDARS
  • Lockbox
  • RDC

Looking for something else?

HOA Finance

HOA Banking 101 - Choosing the Right Account for your HOA

Choosing the right bank accounts for your HOA can be a challenge, so we've put together a guide to help you decide which account is best for your needs.

Why apply online?

Only 8 minutes to complete

Managing HOAs is a time-consuming job, so we’ve made it a little easier to get things done! Applying online is quick and it's available 24/7 - no more waiting for the bank to open.

Sign all your documents online

With digital signatures you can sign account opening forms at a time that suits you -- without having to deal with mountains of paper. For forms that require multiple signers, this means no more running around trying to coordinate busy schedules to find a time to sign.

We're here to answer any questions

You’ll still get all the benefits of our customer service: before your account is officially opened our team will make sure you’re happy to proceed and help you with any questions or concerns you have.

What do I need to apply?

We’ll ask you for:

  • Your HOA name and address
  • Your Property Management Company name and address (if applicable)
  • Names and emails of signers on the account
  • The account or accounts that you want (view accounts here)

For verification purposes (if you don’t have these, you can still complete the form):

  • The EIN number of your HOA
  • The EIN number of your Property Management Company (if applicable)

All the information you enter in the form is kept private and secure, and will only be seen by the bank. The information will solely be used for account opening purposes, you will not receive unwanted advertising or promotional material at the addresses and emails you enter in the form.

This application should take approximately 8 mins

I’m ready! Let’s get started

Not sure if this is the correct bank account for you?

We have a new interactive tool to help you build a better HOA community

Enter a few details and we'll direct you to the resources that may help

Want to know more? We'd love to hear from you.