Personal Checking Accounts

Valley Free Checking

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

  • $50.00 minimum to open
  • First Debit Card or Instakey Card Free**
  • Free Internet Banking
  • Free Online Statements Available
  • Free Bill Pay
  • Free Mobile apps and Mobile Remote Deposit
  • Free TeleBank Access


Valley Checking

  • $100.00 Minimum to open
  • $11.00 Monthly Maintenance Fee- Avoid Monthly Maintenance Fee with average daily balance* of $1000.00
  • First Debit Card or Instakey Card Free**
  • Free Internet Banking
  • Monthly Statements with Images
  • Free Online Statements Available
  • Check Writing- $0.25 charge per check will be assessed when check writing exceeds 75 checks per month
  • Free Mobile apps and Mobile Remote Deposit
  • Free TeleBank Access

Valley Interest Checking

  • $2500.00 Minimum to open
  • Interest Bearing Checking Account with a minimum balance of $2500.00
  • $11.00 Monthly Maintenance Fee- Avoid Monthly Maintenance Fee with average daily balance* of $2500.00
  • First Debit Card/or Instakey Card Free**
  • Free Internet Banking
  • Monthly Statements with Images
  • Free Online Statements available
  • Check Writing- $0.25 charge per check will be assessed when check writing exceeds 75 checks per month
  • Free Mobile apps and Mobile Remote Deposit
  • Free TeleBank Access

NOTE: All Checking Accounts have Access to Overdraft Protection

* The Average Daily Balance is the sum of the daily balances of an account , divided by the number of days in the period being measured.
**There is a $5.00 replacement card fee for any additional cards


Royal Checking

  • $100.00 minimum to open
  • Interest Bearing Checking Account – rate dependent on qualifications listed below
  • Up to $25 refunded Foreign ATM fees and surcharges – dependent on qualifications listed below
  • No monthly maintenance fee or average balance requirement
  • First Debit Card or Instakey Card Free**
  • Free Internet Banking
  • Monthly Statement with Images
  • Free Online Statements Available
  • Free Bill Pay
  • Free Mobile apps and Mobile Remote Deposit
  • Free TeleBank Access

Qualifications for each monthly cycle for bonus interest and Foreign ATM Fees Refund:

  • You must have at least 10 debit card purchases post and settle (POS transactions)
  • Be enrolled and log into online banking
  • Sign up and receive E-Statements
  • Have at least one automatic debit (ACH) or direct deposit post and settle.

Rate Information: This account is an interest-bearing account. The interest rate and annual percentage yield may change at our discretion daily.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.

Transactions may take one or more banking days from the date transaction was made to post to and settle to an account. ATM- processed transactions do not count towards qualifying debit card transactions. Qualifying transactions must post to and settle to the account during monthly qualification cycle. “Monthly Qualification Cycle” means a period beginning one business day after the current statement cycle date through the close of the current statement cycle date or the business day prior if the cycle date falls on a weekend or holiday. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.




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