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- Our Valley Cash Card may be used for ATM withdrawals only. The Valley Cash Card can be used with checking and savings account.
- Our Valley Cash Plus Card may be used for ATM withdrawals, debits and point-of-sale purchases. The Valley Cash Plus Card can only be used with a checking account.
- All conveniences without ever having to write a check.
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| Regular Checking |
- $200.00 minimum opening balance
- $0.20 per check over 25 paid per month
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Minimum Balance
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Monthly Maintenance Fee
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$400.00 or greater
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No Fee
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$300.00 to $399.00
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$3.00
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$200.00 to $299.00
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$4.00
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Under $199.00
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$5.00
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| Bonus Banking |
- $200.00 minimum opening balance
- No minimum daily balance
- Unlimited check writing privileges
- Free personalized blue wallet style checks
- Designer checks-The bank will pay half the cost
- Accidental death insurance:
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$10,000.00
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Monthly Fee $6.00
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$20,000.00
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Monthly Fee $7.00
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Family Plan
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Monthly Fee $8.00
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- A bonus banking packet is provided for more exclusive member benefits
- Additional insurance coverage, at no extra cost, for dismemberment and common carrier
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| Student Checking Account |
- $200.00 minimum opening balance
- No minimum daily balance
- No monthly maintenance fee
- Unlimited check writing
- Eligible individuals must be full-time high-school students or full-time college students
- Account may be a joint account, as long as one account owner is a full-time student
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| Senior Free Account |
- $200.00 minimum opening balance
- No minimum daily balance
- No monthly maintenance fee
- Unlimited check writing
- Account may be a joint account, as long as one account owner is 55 years of age or older
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| Checking Accounts for Non-Profit Organizations |
- $200.00 minimum opening balance
- No mimimum daily balance
- No monthly maintenance fee
- Unlimited check writing
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| Business Checking Account |
- $200.00 minimum opening balance
- No minimum daily balance
- No monthly maintenance fee
- Unlimited check writing
- Free deposit bag
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| Now Account |
- $200.00 opening minimum opening balance
- No minimum daily balance to earn interest
- $0.20 per check over 25 paid each month
- Visit our rates page for current interest rates
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Minimum Daily Balance
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Monthly Maintenance Fee
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$1500.00
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No Fee
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Under $1500.00
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$6.00
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| Bonus Now Account |
- $200.00 opening minimum balance
- No minimum daily balance to earn interest
- Interest bearing account with all the benefits of our bonus banking
- Visit our rates page for current interest rates
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Minimum Daily Balance
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Monthly Maintenance Fee
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$1500.00
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Bonus Banking Fee
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Under $1500.00
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$3.00 in addition to regular monthly fee
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| Super Now Account |
- $200.00 opening minimum balance
- No minimum daily balance to earn interest
- $0.20 per check over 25 paid per month
- Visit our rates page for current interest rates
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Minimum Daily Balance
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Monthly Maintenance Fee
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$2500.00
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No Fee
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Under $2500.00
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$5.00
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| Bonus Super Now Account |
- $200.00 opening minimum balance
- No minimum daily balance to earn interest
- Interest bearing account with all the benefits of our bonus banking
- Visit our rates page for current interest rates
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Minimum Daily Balance
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Monthly Maintenance Fee
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$2500.00
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Bonus Banking Fee
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Under $2500.00
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$5.00 in addition to regular monthly fee
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| Money Market Account |
- $200.00 opening minimum balance
- No minimum daily balance to earn interest
- Total of 6 checks per month
- $0.20 per check over 6 paid per month
- Visit our rates page for current interest rates
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Minimum Daily Balance
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Monthly Maintenance Fee
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$2500.00
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No Fee
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Under $2500.00
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$5.00
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| Statement Savings |
- $10.00 minimum opening balance
- Interest paid on a quarterly basis
- $0.50 withdrawal charge after 6 withdrawals in an interest period
- Visit our rates page for current interest rates
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| Christmas Club Accounts |
- Christmas Club accounts may be opened the week of November 2
- Weekly deposit amounts include $2.00, $5.00, $10.00, $20.00
- Make 49 payments and we will make the 50th payment for you!
- A check for your account balance will be mailed to you in October of the following year
- Christmas Clubs are not transaction accounts
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| Certificates of Deposit (CD's) |
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For information on our certificate of deposit options, please refer to our "Rates" page on this website. For any further information, please contact our Fredonia main office or our Eddyville branch.
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| Individual Retirement Accounts (IRA's) |
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Start your IRA planning today and be prepared for tomorrow! We offer Statement IRA's and an IRA Certificate of Deposit. For interest rates, please refer to our "Rates" page on this website.
For additional information and assistance, please contact our IRA representative at our Fredonia main office or our Eddyville branch office.
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