Valley Business Bank

Consumer Checking Accounts

Regular Checking Account
Valley Business Bank's Regular Checking Account is a full featured checking account that fits the needs of the majority of consumers. For one low monthly service charge, you receive unlimited withdrawals from our ATM or point of sale transactions and a variety of other useful and convenient services.

Bonus Interest Checking Account
If you want a full featured checking account and the added benefit of earning interest, Valley Business Bank’s Bonus Interest Checking Account is for you.

Baseline Checking Account
If you write a limited number of checks each month, but still desire the convenience of Automated Teller Machine and Internet access to your account, Valley Business Bank's Baseline Checking Account is the right account for you.

Senior Checking Account
Seniors (55+ years of age) are eligible for a full featured checking account with no monthly service charge. Simply have your payroll, pension, or Social Security check deposited directly to your account to receive unlimited deposit transactions with no monthly charge.

Senior Interest Checking Account
Seniors (55+ years of age) can now have all of the features of our Senior Checking Account while earning interest on their average collected account balance. Directly deposit your payroll, pension, or Social Security check and save on your monthly service charge.

Details of our Consumer Checking Accounts are as follows:

REGULAR CHECKING ACCOUNT
Who should use this account	Consumers with normal to heavy account activity desiring a full service checking account
Account features	No per check fee (first 50 checks) No per deposit fee (first 10 deposits) 24 Hour ATM 24 Hour Internet Banking 24 Hour Telephone Banking Money Card Automatic transfers Notary Service
Average daily balance to avoid service charge	$2,000
Monthly service charge	$10
An additional charge will apply for checks or other debits paid over (50) in one month	$.25 per item
An additional charge will apply for deposits or other credits made over (10) in one month	$1.00 per item
Other account service fees	See link below.
Minimum initial deposit to open account	$100

BONUS INTEREST CHECKING ACCOUNT
Who should use this account	Consumers with higher account balances desiring to earn a competitive rate on interest on their unused funds
Account features	No per check fee (first 50 checks) No per deposit fee (first 10 deposits) Interest compounded daily and paid monthly 24 Hour ATM 24 Hour Internet Banking 24 Hour Telephone Banking Automatic transfers Money Card Notary Service
Average daily balance to avoid service charge	$2,500
Monthly service charge	$12
An additional charge will apply for checks or other debits paid over (50) in one month	$.25 per item
An additional charge will apply for deposits or other credits made over (10) in one month	$1.00 per item
Other account service fees	See link below.
Minimum initial deposit to open account	$500

BASELINE CHECKING ACCOUNT
Who should use this account	Consumers with less than 10 checks paid and/or less than 4 deposits per monthly statement cycle desiring a low cost checking account
Account features	No per check fee (first 10 checks) No per deposit fee (first 4 deposits) 24 Hour ATM 24 Hour Internet Banking 24 Hour Telephone Banking Automatic transfers Money Card Notary Service
Monthly service charge	$7 per month
An additional charge will apply for checks or other debits paid over (10) in one month	$.50 per item
An additional charge will apply for deposits or other credits made over (4) in one month	$1.00 per item
Other account service fees	See link below.
Minimum initial deposit to open account	$100

SENIOR CHECKING ACCOUNT
Who should use this account	Seniors that desire a full featured checking account
Account features	Unlimited Deposits Free GrayStone checks 24 Hour ATM 24 Hour Internet Banking 24 Hour Telephone Banking Automatic transfers Money Card Notary Service
Average daily balance to avoid service charge	With Direct Deposit – $0 Without Direct Deposit - $1,000
Monthly service charge	With Direct Deposit - $0 Without Direct Deposit - $10
An additional charge will apply for checks or other debits paid over (50) in one month	$.25 per item
Other account service fees	See link below.
Minimum initial deposit to open account	$100

SENIOR INTEREST CHECKING ACCOUNT
Who should use this account	Seniors that desire a full featured checking account with the added benefit interest earnings on their account balance
Account features	Unlimited Deposits Free GrayStone checks No per check fee (first 50 checks) 24 Hour ATM 24 Hour Internet Banking 24 Hour Telephone Banking Automatic transfers Money Card Notary Service
Average daily balance to avoid service charge	$2,000
Monthly service charge	With Direct Deposit - $10 Without Direct Deposit - $12
An additional charge will apply for checks or other debits paid over (50) in one month	$.25 per item
Other account service fees	See link below.
Minimum initial deposit to open account	$100