Valley State Bank








Online Banking





Earn interest on your current balance.
The Higher your balance, the greater your return.
Click here for current rates

Checking Accounts

Personal Checking
Our Basic Checking account

  • $200.00 to open
  • $3.00 Monthly fee
  • Automatic Overdraft Privilege
  • Debit fee $.15
  • $.20 credit per $100 Average Collected Balance*
  • No Monthly or debit fees for students or those over 65

Free Checking
There are so many "no's", it has to be "yes"!

  • $50.00 to open
  • No minimum to avoid fees
  • No debit Fee
  • No monthly Fee
  • Automatic Overdraft Privilege
  • Truncated monthly statements
  • Must use "duplicate" type checks
  • Free ATM / Visa Check Card

Econo Checking
Our "No Frills" account

  • $200.00 to open
  • Monthly fee $5.00
  • $.15 debit Fee in excess of 30
  • Automatic Overdraft Privilege
  • Free ATM / Visa Check Card

Student Regular Checking
For full time students

  • $200.00 to open
  • Free
    No Minimum to avoid fees
    No Monthly fee
  • Automatic Overdraft Privilege

Seniors Regular Account
For our customers 65 years and over!

  • No Monthly Service Fee
    No Minimum
    No Monthly fee
  • Automatic Overdraft Privilege

Groups Regular Checking
For our non profit organizations, groups and clubs

  • $1.00 Statement cycle fee
  • No monthly fee with $750.00 minimum Average Collected Balance*
  • Debit fee $.15 in excess of 15 debits

Commercial Checking
For our business friends

  • $200.00 to open
  • $.15 debit fee
  • $.20 credit earned per $100.00 Average Collected Balance*
  • $8.00 monthly fee

    Personal Super Now
    Checking with interest

    • $2500.00 to open
    • $3.00 monthly fee
    • $.15 debit fee
    • $.20 credit per $100.00 Average Collected Balance*
    • No interest paid if Average Collected Balance* falls below $1,000.00
    • Free to full time students and customers over 65
    • Automatic Overdraft Privilege

    Business Super Now
    Business checking with interest

    • $2500.00 to open
    • $8.00 monthly fee
    • $.15 debit fee
    • $.20 credit per $100.00 Average Collected Balance*
    • No interest paid if Average Collected Balance* falls below $1,000.00

    Groups Super Now
    Checking with interest for our non profit organizations, groups, and clubs

    • $2500.00 to open
    • $3.00 monthly fee
    • $.15 debit fee
    • $.20 credit per $100.00 Average Collected Balance*
    • No interest paid if Average Collected Balance* falls below $1,000.00

    * The Average Collected Balance is the sum of the daily balances of an account , divided by the number of days in the period being measured.