Personal Accounts

Personal Banking

A list of our Personal Banking Accounts
	Valley Free Checking	Valley Checking	Valley Interest Checking	Royal Checking	Valley Savings	Valley Money Market
Maintenance Fee (If balance requirement is not met)	$0	$11	$11	No monthly maintenance fee or average balance requirement	$0 includes 6 free debit transactions per monthly cycle, $1 per additional debit items	$8
Balance Requirement	$0	$1,000	$2,500	$0	$0	$2,500
Minimum to Open	$50	$100	$2,500	$100	$50	$2,500
Interest Bearing	no	no	Yes, with a minimum balance of $2,500	Yes, interest rate dependent on qualifications listed below ***	yes	Yes, with a minimum balance of $2,500
Monthly Statements	Yes, no images	Yes, with images	Yes, with images	Yes, with images	Quarterly	Yes
Free Online Banking, Bill Pay, Mobile Check Deposit, & Voice Access Banking	yes	yes	yes	yes	yes	yes
Check Writing or other account debits	Unlimited	$0.25 charge per check will be assessed when check writing exceeds 25 checks per month	$0.25 charge per check will be assessed when check writing exceeds 25 checks per month	Limited to 6 debits per monthly cycle, $1 per additional debit	Limited to 6 debits per monthly cycle, $1 per additional debit	Limited to 6 debits per monthly cycle, $1 per additional debit
Free InstaKey or Visa® Debit Card*	Debit Card	Debit Card	Debit Card	instaKey or Debit Card	InstaKey	InstaKey
Access to Overdraft Protection	yes	yes	yes	yes	no	no
Does the Account Have Rewards	no	no	no	yes	no	no
Type of Account Rewards & Qualifications for Rewards				*See Additional Details Below* Higher Interest Rate and ATM Fee Refunds up to $25.00 when monthly qualifications are met. Must have at least 10 debit card transactions, at least one ACH, enroll in online banking, and sign up to receive E-Statements.

Valley Free Checking

Maintenance Fee (If balance requirement is not met)

$0

Balance Requirement

$0

Minimum to Open

$50

Interest Bearing

Monthly Statements

Yes, no images

Free Online Banking, Bill Pay, Mobile Check Deposit, & Voice Access Banking

Check Writing or other account debits

Unlimited

Free InstaKey or Visa® Debit Card*

Debit Card

Access to Overdraft Protection

Does the Account Have Rewards

Type of Account Rewards & Qualifications for Rewards

Valley Checking

Maintenance Fee (If balance requirement is not met)

$11

Balance Requirement

$1,000

Minimum to Open

$100

Interest Bearing

Monthly Statements

Yes, with images

Free Online Banking, Bill Pay, Mobile Check Deposit, & Voice Access Banking

Check Writing or other account debits

$0.25 charge per check will be assessed when check writing exceeds 25 checks per month

Free InstaKey or Visa® Debit Card*

Debit Card

Access to Overdraft Protection

Does the Account Have Rewards

Type of Account Rewards & Qualifications for Rewards

Valley Interest Checking

Maintenance Fee (If balance requirement is not met)

$11

Balance Requirement

$2,500

Minimum to Open

$2,500

Interest Bearing

Yes, with a minimum balance of $2,500

Monthly Statements

Yes, with images

Free Online Banking, Bill Pay, Mobile Check Deposit, & Voice Access Banking

Check Writing or other account debits

$0.25 charge per check will be assessed when check writing exceeds 25 checks per month

Free InstaKey or Visa® Debit Card*

Debit Card

Access to Overdraft Protection

Does the Account Have Rewards

Type of Account Rewards & Qualifications for Rewards

Royal Checking

Maintenance Fee (If balance requirement is not met)

No monthly maintenance fee or average balance requirement

Balance Requirement

$0

Minimum to Open

$100

Interest Bearing

Yes, interest rate dependent on qualifications listed below ***

Monthly Statements

Yes, with images

Free Online Banking, Bill Pay, Mobile Check Deposit, & Voice Access Banking

Check Writing or other account debits

Limited to 6 debits per monthly cycle, $1 per additional debit

Free InstaKey or Visa® Debit Card*

instaKey or Debit Card

Access to Overdraft Protection

Does the Account Have Rewards

Type of Account Rewards & Qualifications for Rewards

***See Additional Details Below***

Higher Interest Rate and ATM Fee Refunds up to $25.00 when monthly qualifications are met.

Must have at least 10 debit card transactions, at least one ACH, enroll in online banking, and sign up to receive E-Statements.

Valley Savings

Maintenance Fee (If balance requirement is not met)

$0 includes 6 free debit transactions per monthly cycle, $1 per additional debit items

Balance Requirement

$0

Minimum to Open

$50

Interest Bearing

Monthly Statements

Quarterly

Free Online Banking, Bill Pay, Mobile Check Deposit, & Voice Access Banking

Check Writing or other account debits

Limited to 6 debits per monthly cycle, $1 per additional debit

Free InstaKey or Visa® Debit Card*

InstaKey

Access to Overdraft Protection

Does the Account Have Rewards

Type of Account Rewards & Qualifications for Rewards

Valley Money Market

Maintenance Fee (If balance requirement is not met)

$8

Balance Requirement

$2,500

Minimum to Open

$2,500

Interest Bearing

Yes, with a minimum balance of $2,500

Monthly Statements

Yes

Free Online Banking, Bill Pay, Mobile Check Deposit, & Voice Access Banking

Check Writing or other account debits

Limited to 6 debits per monthly cycle, $1 per additional debit

Free InstaKey or Visa® Debit Card*

InstaKey

Access to Overdraft Protection

Does the Account Have Rewards

Type of Account Rewards & Qualifications for Rewards

Valley Free Checking

$50.00 minimum to open
No Monthly Maintenance Fee or Average Balance Requirement
First Debit Card or Instakey Card Free**
Free Monthly Statements Without Images
Free Internet Banking
Free Online Statements Available
Free Bill Pay
Free Mobile apps and Mobile Remote Deposit
Free TeleBank Access

**There is a $5.00 replacement card fee for any additional cards

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

* 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

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

* 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 – interest 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

**There is a $5.00 replacement card fee for any additional cards

***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 non-cash 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.

Valley Savings

$50.00 minimum to open
No Monthly Maintenance Fee
Six free debit transactions
$1.00 for each withdrawal in excess of Six per month
Interest Bearing Account
Free Internet Banking
Free Quarterly Statements
Free E-Statements if you enroll
Free Mobile Remote Deposit
First Instakey Card Free*
Free Voice Access Banking

**There is a $5.00 replacement card fee for any additional cards

Valley Money Market

$2500.00 minimum to open
$8.00 Monthly Maintenance Fee-To Avoid Fee account must maintain an Average Minimum Balance** of $2500.00
Six free debit transactions
$1.00 for each withdrawal in excess of Six per month
Interest Bearing Account with minimum balance of $2500.00
Free Internet Banking
Free Quarterly Statements
Free E-Statements if you enroll
Free Mobile Remote Deposit
First Instakey Card Free*
Free Voice Access Banking

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