Valley Rebublic Bank
Personal Banking
  • Checking

    Basic Checking
    A personal checking account designed for the individual.

    Features: Unlimited check writing, free emailed monthly statements.
    Monthly Fee: No fee with a minimum daily balance of $1,500 or more, otherwise $8.00 per month.
    Transaction Charges: None
    Minimum Opening Balance: $100
    Other Charges: Paper statements are $2.00 per month. Other terms, fees and charges may apply. Contact us for more details.

    Senior Checking
    A personal checking account for those customers 55 years of age or older.

    Features: Unlimited check writing, free emailed monthly statements.
    Monthly Fee: None
    Transaction Charges: None
    Minimum Opening Balance: $100
    Other Charges: Paper statements are $2.00 per month. Other terms, fees and charges may apply. Contact us for more details.

  • Interest Checking

    NOW Account
    A personal checking account that earns interest and allows 20 debits and 20 credits per month.

    Features: Free emailed statements.
    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: Paper statements are $2.00 per month. Other terms, fees and charges may apply. Contact us for more details.

    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.

  • Money Market Accounts

    Personal Money Market
    Features:
    An 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: Paper statements are $2.00 per month. Other terms, fees and charges may apply. Contact us for more details.

    Personal Investment Money Market
    Features:
    An interest-earning account with higher competitive interest rates.
    Monthly Fee: No fee with a minimum daily balance of $7,500, 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: Paper statements are $2.00 per month. Other terms, fees and charges may apply. Contact us for more details.

  • Savings

    Personal Savings
    A savings account that allows six withdrawals per month, and is available to all non-business customers.

    Features: An interest-earning savings account with competitive interest rates.
    Monthly Fee: No fee with a minimum daily balance of $500, 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 free. Paper statements are $2.00 per month. Other terms, fees and charges may apply. Contact us for more details.

    Premier Personal Savings
    A personal 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 free. Paper statements are $2.00 per month. Contact us for more details.

  • Certificate of Deposit

    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 month's interest.
    • Original maturity greater than one year, the penalty is forfeiture of six month's interest.

     
  • Individual Retirement Accounts (IRA's)

    Individual Retirement Accounts
    Minimum Opening Balance: $500

    Available Terms: 1 year, 18 months, 2 years, and 3 years
    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

    Construction Loans
    Build your dream home! Since your construction loan is administered locally, inspections and disbursements are handled quickly and efficiently.