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 55 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 $2,500 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. These percentages are as follows:

  20% for accounts with a daily balance of at least $2,500, but less than $10,000

  35% for accounts with a daily balance of at least $10,000, but less than $50,000

  40% for accounts with a daily balance of at least $50,000, but less than $100,000

  45% for accounts with a daily balance of $100,000 or more