Personal Banking -

We have many resources to make your banking easier:

Regular Checking
MVBasic Checking
Senior Citizen benefits
NOW – Interest Checking
Valley Gold
Money Market Account
Savings Account
Individual Retirement Savings Account
Individual Retirement Certificates of Deposit Account
Certificates of Deposit

Regular Checking

$100.00 to open
Write as many checks as you like, no limit or additional fees
Pay only $4.50 per month.
No monthly fee will be charged if your daily balance remains at or above $400.00
Image Statements
Optional ATM/Debit Card*

MVBasic Checking (return to top)

$100.00 to open
Write as many checks as you like, no limit or additional fee
No monthly fee or minimum balance required
First box of checks produced at no charge
Statements (non-image)
Optional ATM/Debit Card*

Senior Citizens for Customers 60 and over (return to top)

$100.00 to open
Write as many checks as you like, no limit or additional fee
No monthly fee or minimum balance required
Free selected checks for as long as you have the account
Image Statements
Optional ATM/Debit Card*

Now – Interest Checking (return to top)

$100.00 to open
Write as many checks as you like, no limit or additional fees
Interest is earned on collected balances and credited on statement monthly
No monthly fee will be charged if your daily balance remains at or above $500.00
Pay only $6.00 per month if balance drops below $500.00
Interest rate may change at any time
Image statements
Optional ATM/Debit Card*

Valley Gold (return to top)

$1,000.00 to open
Write as many checks as you like, no limit or additional fees
Interest rate is tiered. Will compound daily and pay monthly
No monthly fee will be charged if your daily balance remains at or above $1,000.00
A $10.00 service charge will be applied if balance drops below $1,000.00 any day of the month
Interest rate may change at any time
Image Statements
Optional ATM/Debit Card*

Money Market Account (return to top)

$2,500 to open
Up to six withdrawals per statement cycle
Interest is earned on collected balance and credited on statement monthly
No monthly fee will be charged if your daily balance remains at or above $2,500.00.
Pay only $7.50 per month if balance drops below $2,500.00
Interest rate may change at any time.
Image Statements
Optional ATM/Debit Card*

Savings Account (return to top)

$100.00 to open
Interest rate based on collected balances, compounded daily, paid quarterly
No monthly fee will be charged if your daily balance remains at or above $100.00.
No monthly fees for minor’s accounts
A $3.00 will be applied if balance drops below $100.00
3 withdrawals are allowed within a quarter. A $1.00 fee will be applied for each withdrawal exceeding the 3 allowed.
Interest rate may change at any time.
Itemized quarterly statement
Optional ATM Card*

Individual Retirement Savings Account (return to top)

$100.00 to open
Interest compounded daily, paid quarterly
Itemized quarterly statement
No fee account

Certificate of Deposit – IRA (return to top)

Minimum $1,000.00 opening deposit
Interest compounded daily, interest paid quarterly
12 month maturity
No fee account

Certificates of Deposit (return to top)

Please contact a customer service representative for information regarding our CD's and current rates.

* A $1.00 monthly fee will be charged for ATM/Debit Card accounts. Also, to reduce debit card risk to you and the bank, we will be limiting International transactions. If you travel or make purchases internationally, please contact us to make special provisions ahead of time.

Card activation number: 1-800-862-0760

To report a lost or stolen card: 1-800-472-3272

Please call (970) 533-7736 or (970) 565-5432 for current rates.