Contact Valley First

Phone Support

Valley First member services are available by phone six days a week with an average hold time under four minutes during peak hours.

Call (559) 555-0142 for account inquiries, transaction disputes, loan status checks, rate quotes, branch information, and general member service questions. Representatives are available Monday through Friday from 7:00 AM to 7:00 PM Pacific Time and Saturday from 8:00 AM to 2:00 PM PT. The automated phone system handles balance inquiries, internal transfers, and debit card activation 24 hours a day, seven days a week.

For lost or stolen debit cards, suspected fraud, or any after-hours emergency, call the 24/7 emergency line at (559) 555-0199. This line is staffed around the clock and can cancel compromised cards and initiate fraud investigations immediately. When calling the emergency line, have your member number or Social Security number ready for identity verification.

Secure Messaging and Email

For documented inquiries and non-urgent questions, the secure messaging center within online banking provides the most direct path to a response with a full message history.

Log into online banking or the mobile app and navigate to Messages to send a secure inquiry. Messages submitted before 3:00 PM PT on business days receive a response within four hours. The messaging center retains your full correspondence history, so you can reference previous conversations with support staff without digging through email threads. Attachments — screenshots of error messages, PDF statements, check images — can be included with your message.

For general questions that do not involve account details, you can also reach Valley First through the contact form on this website. Do not include sensitive information such as full Social Security numbers, account passwords, or PINs in unsecured communications. Use secure messaging for any inquiry involving account specifics.

Branch Locations

Valley First operates 42 branches across California from Stockton in the north to Bakersfield in the south, concentrated along the Highway 99 corridor.

City	Address	Lobby Hours	Drive-Through Hours
Fresno (Headquarters)	2450 Commerce Boulevard, Fresno, CA 93721	Mon-Fri 9 AM-5 PM, Sat 9 AM-1 PM	Mon-Fri 8:30 AM-5:30 PM, Sat 9 AM-1 PM
Fresno (Shaw Avenue)	7320 N. Shaw Avenue, Fresno, CA 93720	Mon-Fri 9 AM-5 PM, Sat 9 AM-1 PM	Mon-Fri 8:30 AM-5:30 PM, Sat 9 AM-1 PM
Modesto	1425 McHenry Avenue, Modesto, CA 95350	Mon-Fri 9 AM-5 PM, Sat 9 AM-1 PM	Mon-Fri 8:30 AM-5:30 PM, Sat 9 AM-1 PM
Stockton	5757 Pacific Avenue, Stockton, CA 95207	Mon-Fri 9 AM-5 PM, Sat 9 AM-1 PM	Mon-Fri 8:30 AM-5:30 PM, Sat 9 AM-1 PM
Visalia	3415 S. Mooney Boulevard, Visalia, CA 93277	Mon-Fri 9 AM-5 PM, Sat 9 AM-1 PM	Mon-Fri 8:30 AM-5:30 PM, Sat 9 AM-1 PM
Merced	655 Merced Mall, Merced, CA 95348	Mon-Fri 9 AM-5 PM, Sat 9 AM-1 PM	Mon-Fri 8:30 AM-5:30 PM, Sat 9 AM-1 PM
Bakersfield	2701 Ming Avenue, Bakersfield, CA 93304	Mon-Fri 9 AM-5 PM, Sat 9 AM-1 PM	Mon-Fri 8:30 AM-5:30 PM, Sat 9 AM-1 PM
Tulare	1425 E. Prosperity Avenue, Tulare, CA 93274	Mon-Fri 9 AM-5 PM, Sat 9 AM-1 PM	Mon-Fri 8:30 AM-5:30 PM, Sat 9 AM-1 PM

Additional branches serve Hanford, Madera, Porterville, Delano, Los Banos, and 29 other California communities. Use the branch locator in the Valley First mobile app for the most current hours and driving directions to any location.

Holiday Schedule

Valley First branches are closed on all federal holidays — online banking, the mobile app, and ATMs remain available 24/7 throughout the year.

Branches close on New Year's Day, Martin Luther King Jr. Day, Presidents Day, Memorial Day, Juneteenth National Independence Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day. When a holiday falls on a Saturday, branches close the preceding Friday. When a holiday falls on a Sunday, branches close the following Monday. During holiday closures, the automated phone system, ATMs, online banking, and the mobile app all operate normally. Deposits made on a holiday are processed on the next business day.

Quick Overview

In-Branch Services

All Valley First branches provide teller transactions, new account opening, loan applications, notary services (free for members), medallion signature guarantees, safe deposit box access, coin counting, and foreign currency exchange with advance notice. Walk-ins are welcome for most services. Appointments are recommended for mortgage consultations, SBA loan discussions, wire transfers exceeding $10,000, and medallion signature guarantees — call (559) 555-0142 to schedule.

Access for Members With Disabilities

All Valley First branch locations meet ADA accessibility standards, including wheelchair-accessible entrances, lowered service counters, and accessible ATMs with audio guidance. Relay services for TTY users are available by dialing 711. Large-print statements and braille account documents can be arranged by request through member services. Valley First's online banking platform is compatible with screen readers including JAWS and NVDA, and has been tested against WCAG 2.1 Level AA standards.