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Checking

We have a wide variety of checking accounts to fit your every need. Business and personal checking accounts are offered.

For Business Customers we offer:

  • Commercial Checking Accounts - with service charges based on analysis

  • Commercial Quality Checking Account - no service charge if your daily balance stays above $1,000 and you have no more than 60 transactions per month.

  • Now Accounts – For those who keep $1,000 or above in their checking account, this account pays interest with unlimited check writing.
    (Limitations: All organizations that are operated for profit are not eligible to maintain NOW accounts at depository institutions.)

  • Money Market Accounts – A good account for a corporation or partnership that is interest bearing.
    (Money Market accounts have a limitation of 6 debit transactions per month)

For the Consumer Customer we offer:

  • Student Checking Accounts – No service charge.

  • Classic Accounts – For our customers age 62 and over. This account has no monthly service charge and you are entitled to free club checks.

  • Personal Checking Accounts – No service charges if your daily balance stays above $500.

  • Now Accounts – For those who keep $1,000 or above in their checking account, this account pays interest with unlimited check writing.

  • Valley Plus Checking – For those who keep $10,000.00 or above in their checking account, this is the account for you. We pay a percentage of the prime rate based on the daily balance in your account.

     

NOTICE: By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositorís accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit: http://www.fdic.gov/deposit/deposits/unlimited/expiration.html.

Member FDIC

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