Sign Up First Time Access Current User FAQs

Computing is not about computers anymore. It is about living. - Nicholas Negroponte

Online Banking

Service with a smile – yours!

Online banking gives you the convenient access you need to make a decision or complete a transaction. At Valley Community Bank we are continually adding new and secure online services, making one more part of your life just a bit easier.

It’s our way of giving you another reason to smile.

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Bill Payment is Here!

Enroll now and enjoy the benefits of paying your bills online. After logging onto online banking, just select the bill payment button at the top of your screen.

Welcome to Valley Community Bank’s
Online Banking

To proceed with on line banking, you must have received from Valley Community Bank your ACCESS ID and temporary PIN (Personal Identification Number).

If you have received this letter and are ready to proceed with Online Banking, please enter your Access ID and Password above.

If you have not received this letter and want to sign up for access to Online Banking, click here.

If you have already signed up for Online Banking, please allow 10 business days to receive your letter. If it has been more than 10 business days and you have not received your letter, please contact us at 925-243-9600.


Q. What will I need to get started using Online Banking?
A. Any Internet-enabled device such as a computer can interface with Valley Community Bank’s Online Banking system. A home computer which runs on Windows® 3.1 operating system or a newer version, with a minimum modem baud speed of 14.4 is sufficient.

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Q. How do I access Valley Community Bank Online Banking?
A. After Valley Community Bank has reviewed and approved your application, you simply click on the Online Banking button on the Bank’s home page.

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Q. What accounts will be available or enabled?
A. You will have access to all your Valley Community Bank depository and loan accounts that you own or are a signer on.

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Q. Can I use the Online Banking with MS Money® or Quicken®?
A. Yes, your history can be exported to personal software such as MS Money® and Quicken®.

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Q. How frequently is my Valley Community Bank information updated?
A. Daily at approximately 5:00 pm. Transfer of funds between accounts after this daily update will be processed the following business day.

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Q. Can I have 24 hour access to my accounts?
A. Yes.

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Q. Should I be hesitant to bank online for fear people can see my account information?
A. Your information is as secure as it would be in any normal bank environment. Valley Community Bank utilizes the industry standard security measures, including powerful security encryption methods and software.

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Q. Will stored or saved information be encrypted and secure?
A. Information stored on our computer will be encrypted in a
128-bit environment.

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Q. I have received a message that my browser is not compatible
A. Valley Community Bank uses the latest security for your protection. This site will require your browser to support 128-bit encryption, which offers the highest level of security currently available. Most of the latest browser versions have SSL 128 bit built in. If you are using an older browser or receive an error message “HTTP Error 403” when you attempt to sign up, then you will you need to upgrade your browser software. If you are using AOL, information on how to upgrade your software can be found on AOL.

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Q. What is encryption and how does it make transmitted information more secure?
A. Encryption is essentially a code that utilizes a mathematical process to rewrite data. The encryption that Valley Community Bank employs is a 128-bit encryption process. Essentially the higher the number of bits the more complex and better the encryption. Because the Valley Community Bank server has been certified as a 128-bit secure server by VeriSign, data traveling between the customer and the Valley Community Bank server is encrypted with Secure Socket Layer (SSL) protocol. With SSL, data that travels between the Bank and the customer is encrypted and can only be decrypted with a public and private key. In short, the Bank’s server issues a public key to the user’s browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire. Encryption is a very powerful secure tool that keeps customer data private and requires no knowledge on behalf of the customer.

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