High-yield checking for local heroes
High-yield checking for local heroes
Earn up to 5.00% APY* skip monthly fees, get paid earlyΩ—and give back to causes that matter every time you swipe.§,||
connect
TAKE CHARGE
OF YOUR FUTURE
for Money Management
Beyond earning dividends and giving back, our ValorFI Heroes Primary Checking account gives you the tools to manage your money with confidence
Get paid early: Our members get their paycheck up to two days earlier.Ω
Swipe to give back: We pledge a donation on behalf of our members, at no additional cost, every debit card swipe.||
Send & receive money: Securely and directly in our mobile app.
Smart Tools
for Money Management
Beyond earning dividends and giving back, our ValorFI Heroes Primary Checking account gives you the tools to manage your money with confidence.
Get paid early: Our members get their paycheck up to two days earlier.Ω
Swipe to give back: We pledge a donation on behalf of our members, at no additional cost, every debit card swipe.||
Send & receive money: Securely and directly in our mobile app.
ValorFI Heroes
51 Gage Blvd.
Richland, WA 99352
Contact Us
support
routing number
125185428
Federally Insured by NCUA
Disclosures
© 2025 ValorFI Heroes, powered by Gesa Credit Union. All Rights Reserved. Federally Insured by NCUA.
* APY = Annual Percentage Yield. Rates, terms and fees are subject to change. Fees could reduce earnings on the account. There is a minimum opening deposit of $25. APY is accurate as of 8/20/2025, the last dividend declaration date. In order to earn a high dividend rate up to 5.00% APY up to $5,000.00, you must meet the following requirements during the qualifying monthly period: a) provide and maintain a valid email address; and b) be enrolled to receive e-statements; c) have recurring payroll or benefit direct deposit of $200; d) apply and maintain a debit card; and e) make 15 debit card transactions. If the requirements are not met during the monthly qualifying period, the “non-qualifying” 0.01% APY would apply to the entire balance. Balances of $5,000.01 or more earn 0.01% APY. View our Consumer Savings & Certificate Rate Sheet for additional information.
§ ValorFI Heroes acts solely as a platform for facilitating donations to 501(c)(3) status nonprofit organizations that are exempt from federal income tax. We do not endorse or guarantee the legitimacy, effectiveness, or financial stability of any nonprofit listed on our site.
‡ ValorFI Heroes will round up the amount of any debit card purchases associated with your ValorFI Heroes checking account to the next whole dollar amount and transfer the amount in excess of the purchase amount to your ValorFI Heroes savings account. ValorFi Heroes reserves the right to cancel or modify the ValorFI Heroes checking account Round-Up Program at any time.
Ω Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. ValorFI Heroes does not guarantee any early direct deposit payments.
|| Every time a ValorFI Heroes member swipes their debit card, a donation is pledged. Then, we make donations to related nonprofits based on the percentage of member votes received.
ValorFI Heroes deposits are held at Gesa Credit Union, where combined deposits in either ValorFI Heroes or Gesa Credit Union accounts are insured up to a total insurance amount of $250,000 by the National Credit Union Share Insurance Fund, which is administered by the National Credit Union Administration (NCUA), an agency of the United States government. ValorFI Heroes deposits are not separately insured and do not have share insurance in addition to the share insurance obtained through Gesa Credit Union.