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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, no 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

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.

Maintenance Fee (If balance requirement is not met)
$0
Balance Requirement
$0
Minimum to Open
$50
Interest Bearing
 no
Monthly Statements
Yes, no 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
Does the Account Have Rewards
 no
Type of Account Rewards & Qualifications for Rewards
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
Does the Account Have Rewards
 no
Type of Account Rewards & Qualifications for Rewards
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
Does the Account Have Rewards
 no
Type of Account Rewards & Qualifications for Rewards
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
Does the Account Have Rewards
 yes
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.

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
Does the Account Have Rewards
 no
Type of Account Rewards & Qualifications for Rewards
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

Does the Account Have Rewards
 no
Type of Account Rewards & Qualifications for Rewards
 
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