Business Banking
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Checking Accounts

Basic Business Checking

This account is designed for small to medium sized businesses that have an average volume of activity each month.

Features: This account allows up to 200 debits and 80 credits per statement cycle.

Analyzed Business Checking

A business checking account for those businesses that have a higher volume of activity each month.

Features: This is a business checking account that provides for fees to be calculated based primarily upon the activity in the account each month.
Earnings Credit: An earnings credit is applied that may offset some or all of this account's monthly fees, based upon the average collected balance maintained in the account. The earnings credit is set daily by the Bank and may be changed at any time without notice.
 

Contact Valley Republic Bank for a complete listing of all Applicable Fees and Charges.

Interest Checking

Attorney Client Trust

A business interest-earning checking account that is available to Attorneys.

Features: This account complies with the State Bar of California requirements for Legal Trust Accounts.

Business Interest Checking

This account is designed for small to medium sized businesses that also earns interest. 

Features: A business interest-earning checking account that allows up to 20 debits and 20 credits per month.

Contact Valley Republic Bank for a complete listing of all Applicable Fees and Charges.

Non-Profit Accounts

Community Interest Checking

This is an interest-earning account that has been designed for the non-profit organizations serving our community.

Features: This account allows up to 100 debits and 40 credits per statement cycle included at no charge. 


Contact Valley Republic Bank for a complete listing of all Applicable Fees and Charges.

Money Market Accounts

Business Money Market

A business interest-earning account with competitive interest rates.
Features:  This account allows up to 6 withdrawals or transfers per statement cycle. 

Business Investment Money Market

A business interest-earning account with higher competitive interest rates.
Features: This account allows up to 6 withdrawals or transfers per statement cycle.

Contact Valley Republic Bank for a complete listing of all Applicable Fees and Charges.

Savings Accounts

Business Savings

A business interest-earning savings account with competitive interest rates.

Features: This account allows up to 6 withdrawals or transfers per statement cycle.

Premier Business Savings

A business interest-earning savings account with competitive interest rates for higher balances.

Features: This account allows up to 6 withdrawals or transfers per statement cycle.
 

Contact Valley Republic Bank for a complete listing of all Applicable Fees and Charges.

Certificate of Deposits

Certificate of Deposit

Minimum Opening Balance: $1,000.
Features: An interest-earning account with guaranteed fixed rates and a wide range of terms and interest payment options.
Grace Period:

  • For accounts with a term of less than 30 days, there is a 7-day grace period following the maturity date before the account will automatically renew; early withdrawal penalties may apply following the grace period.
  • For accounts with a term of 30 days or greater, there is a 10-day grace period following the maturity date before the account will automatically renew; early withdrawal penalties may apply following the grace period.

Early Withdrawal Penalties:

  • Original maturity under 30 days, the penalty is forfeiture of three months' interest.
  • Original maturity 30 days to one year, the penalty is forfeiture of three months' interest.
  • Original maturity greater than one year, the penalty is forfeiture of six months' interest.
Loans

Commercial Loans

Lines of Credit: Lines of credit provide your business with cash for a variety of short-term financing needs, including providing seasonal working capital, carrying receivables, and purchasing inventory. Lines of credit may be either secured or unsecured.
Term Loans: Term loans assist your business for a variety of long-term financing needs, including purchasing machinery, equipment, and vehicles. Terms up to 7 years, fully amortized.
Commercial Real Estate: Valley Republic Bank offers commercial real estate loans designed for the purchase or refinance of commercial and industrial real estate. Terms up to 10 years with a 25-year amortization. Loan-to-Value varies by property type, but loans up to 70% of appraised value are available.

Construction Loans

Construction loans are available for commercial, industrial, and residential projects. Land acquisition and development loans are also available if construction is expected within 12 months. Since your construction loan is administered locally, inspections and disbursements are handled quickly and efficiently.

SBA / State Guaranteed Loans

Valley Republic Bank participates in a variety of SBA and state guaranteed loans. These loan programs offer lines of credit for seasonal working capital, term loans to purchase a variety of long-term assets, and commercial real estate loans with up to 90% financing on owner-occupied real estate.

For more information on the SBA 504 Loan Program, please visit our partner Mid State Development Corporation at msdcdc.org.

Merchant Services

Our merchant services provide credit card processing, check services, online payments, and more. Our credit card processing provides your business with flexibility thru various methods, including retail, mail order, telephone, e-commerce, or wireless processing. Valley Republic Bank provides processing equipment for point of sale, credit card terminals, and ATM's

Individual Retirement Accounts
  • Currently, we are not offering business IRA's, SEP Accounts or KEOGH Accounts