Valley Rebublic Bank
Business Banking
  • 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.
    Monthly Fee: No fee with a minimum daily balance of $10,000 or more, otherwise $20.00 per month.
    Transaction Charges: $1.00 per debit over 200 per statement cycle; $1.00 per credit over 80 per statement cycle.
    Minimum Opening Balance: $100
    Other Charges: Emailed statements are no charge, paper statements are $5.00 per month. Other terms, fees and charges may apply. Contact us for more details.

    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 primarily based upon the activity in the account each month.
    Monthly Fee: $20.00 per month
    Transaction Charges: Emailed statements are no charge, paper statements are $5.00 per month.
    Minimum Opening Balance: $100
    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.
    Other Fees: Contact the Bank for the Analyzed Business Fee Schedule Brochure.

    NOTICE: By federal law, as of 1/1/2013, funds in a noninterest-bearing transaction account (including an IOLTA/IOLA) will no longer receive unlimited deposit insurance coverage, but will be FDIC-insured to the legal maximum of $250,000 for each ownership category. We will keep you informed of any changes. For additional information, please contact the Bank or visit www.fdic.gov.

  • 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.
    Monthly Fee: None
    Transaction Charges: None
    Minimum Opening Balance: $100
    Other Charges: Emailed statements are no charge, paper statements are $5.00 per month. Other terms, fees and charges may apply. Contact us for more details.

    Business Interest Checking

    A business checking account that earns interest. This NOW account is limited to businesses organized as sole proprietorships.

    Features: A basic business interest-earning checking account that allows up to 20 debits and 20 credits per month.
    Monthly Fee: No fee with a minimum daily balance of $2,000 or more, otherwise $15.00 per month.
    Transaction Charges: $0.20 per debit over 20 per statement cycle; $1.00 per credit over 20 per statement cycle
    Minimum Opening Balance: $100
    Other Charges: Emailed statements are no charge, paper statements are $5.00 per month. Other terms, fees and charges may apply. Contact us for more details.

  • Non-Profit Accounts

    Community Checking Account

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

    Features: Free emailed statements.
    Monthly Fee: None
    Transaction Charges: Up to 100 paid debits and 40 credits per statement cycle included at no charge. Business Analysis fees will apply to paid debits in excess of 100 and credits in excess of 40 per statement cycle. All other business analysis fees will apply.
    Minimum Opening Balance: $100
    Other Charges: Paper statements are $2.00 per month. Contact us for more details.

  • Money Market Accounts

    Business Money Market

    Features: A business interest-earning account with competitive interest rates.
    Monthly Fee: No fee with a minimum daily balance of $5,000, otherwise $12.00 per month.
    Transaction Charges: Transfers from a money market to another account or to third parties by check, preauthorized, automatic, or telephone transfers are limited to six per statement cycle. An excess withdrawal fee of $10.00 per transaction will apply for each withdrawal in excess of six per statement cycle.
    Minimum Opening Balance: $100
    Other Charges: Emailed statements are no charge, paper statements are $5.00 per month. Other terms, fees and charges may apply. Contact us for more details.

    Business Investment Money Market

    Features: A business interest-earning account with higher competitive interest rates.
    Monthly Fee: No fee with a minimum daily balance of $10,000, otherwise $15.00 per month.
    Transaction Charges: Transfers from a money market to another account or to third parties by check, preauthorized, automatic, or telephone transfers are limited to six per statement cycle. An excess withdrawal fee of $10.00 per transaction will apply for each withdrawal in excess of six per statement cycle.
    Minimum Opening Balance: $100
    Other Charges: Emailed statements are no charge, paper statements are $5.00 per month. Other terms, fees and charges may apply. Contact us for more details.

    Business Money Market Sweep

    Features: A business interest-earning account with competitive interest rates that is tied to a business checking account. Funds are automatically “swept” between accounts to maintain a customer-specified balance in the checking account while maximizing the amount of funds held in the interest-bearing sweep account.
    Monthly Fee: $65.00 per month.
    Transaction Charges: Standard Analyzed Business Account fees apply to the checking account.
    Minimum Opening Balance: $100
    Other Charges: Emailed statements are no charge, paper statements are $5.00 per month. Other terms, fees and charges may apply. Contact us for more details.

  • Savings Accounts

    Business Savings

    An interest-earning account that allows six withdrawals per month, available to all business customers.

    Features: An interest-earning savings account with competitive interest rates.
    Monthly Fee: No fee with a minimum daily balance of $500 or more, otherwise $5.00 per month.
    Transaction Charges: $1.00 per withdrawal in excess of six withdrawals per month.
    Minimum Opening Balance: $100
    Other Charges: Emailed statements are no charge, paper statements are $5.00 per month. Contact us for more details regarding other terms, fees and charges that may apply.

    Premier Business Savings

    A business savings account that allows six withdrawals per month, paying competitive interest rates for higher balances.

    Features: An interest-earning savings account with interest rate tiers for higher balances.
    Monthly Fee: No fee with a minimum daily balance of $5,000 or more, otherwise $5.00 per month.
    Transaction Charges: $1.00 per withdrawal in excess of six withdrawals per month.
    Minimum Opening Balance: $100
    Other Charges: Emailed statements are no charge, paper statements are $5.00 per month. Contact us for more details regarding other terms, fees and charges that may apply.

  • Certificate of Deposits

    Certificate of Deposit

    Minimum Opening Balance: $1,000.
    Features: Terms vary according to customer choice.
    Grace Period:

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

    Early Withdrawal Penalties:

    • Original maturity under 30 days, the penalty is forfeiture of three month's 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