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Personal Accounts

Personal Banking

A list of our Personal Banking Accounts
 Valley Free CheckingValley CheckingValley Interest CheckingRoyal CheckingValley SavingsValley Money Market
Maintenance Fee (If balance requirement is not met)$0$11$11No 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 noYes, with a minimum balance of $2,500Yes, interest rate dependent on qualifications listed below yes

Yes, with a minimum balance of $2,500

Monthly StatementsYes, with imagesYes, with imagesYes, with imagesYes, with imagesQuarterlyYes
Free Online Banking, Bill Pay, Mobile Check Deposit, & Voice Access Banking yes yes yes yes yes yes

Check Writing or other account debitsUnlimited$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 monthLimited to 6 debits per monthly cycle, $1 per additional debitLimited 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 CardDebit CardDebit CardinstaKey or Debit CardInstaKey

InstaKey

Access to Overdraft Protection yes yes yes yes no no

Account Rewards
Qualifications for Rewards**
Valley Free Checking
Maintenance Fee (If balance requirement is not met)
$0
Balance Requirement
$0
Minimum to Open
$50
Interest Bearing
 no
Monthly Statements
Yes, with images
Free Online Banking, Bill Pay, Mobile Check Deposit, & Voice Access Banking
 yes
Check Writing or other account debits
Unlimited
Free InstaKey or Visa® Debit Card*
Debit Card
Access to Overdraft Protection
 yes
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
 no
Monthly Statements
Yes, with images
Free Online Banking, Bill Pay, Mobile Check Deposit, & Voice Access Banking
 yes
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
 yes
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
 yes
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
 yes
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
 yes
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
 yes
Account Rewards
Qualifications for Rewards**
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
 yes
Monthly Statements
Quarterly
Free Online Banking, Bill Pay, Mobile Check Deposit, & Voice Access Banking
 yes
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
 no
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
 yes

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
 no

Account Rewards
Qualifications for Rewards**
 
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 – 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

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
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.

*First Debit Card is free. $5.00 replacement card fee for additional cards.
** See account for more details on qualifications.

 
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*APY = Annual Percentage Yield

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