Valley Advantage Checking Account

  • No minimum daily balance

  • Unlimited debits

  • Free personalized wallet style, single checks

  • (one box per year)

  • I.DProtect ®

  •  Identity Theft  & Resolution Service1

  • Accidental Death & Dismemberment Insurance2

  • Travel & Leisure Discounts (Registration/ Activation Required)

  • Family Health Discounts (This is NOT insurance. Registration/ Activation Required)

  • A Valley Advantage brochure is provided for more exclusive member benefits

  • Member Fee- $6.00 per month

 

1IDProtect is a personal identity theft protection service available to personal checking account owner(s), and their joint account owners. The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners). Service is not available to a "signer" on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (fiduciary is not covered).
2Special Insurance Program Notes: The description herein is a summary only. It does not include all terms, conditions and exclusions of the policy described. Please refer to the actual policy for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Refer to Insurance Documents for complete details of coverage. Insurance Products are not a deposit of or guaranteed by the bank or any Bank Affiliate and are not insured by the FDIC or any Federal Goverment Agency.

 

 

Regular Checking Account

$100.00 minimum opening balance

$0.20 per debit over 35 paid per statement cycle (transaction fee)

Minimum Daily Balance

Monthly Maintenance Fee

$400.00 or greater

No Fee

$300.00 to $399.99

$3.00

$200.00 to $299.99

$4.00

Under $199.99

$5.00

 

Student Checking Account

$100.00 minimum opening balance 

No minimum daily balance

No monthly maintenance fee

Unlimited debits 

Eligible individuals must be full-time high school or full-time college students

Account may be joint, as long as one account owner is a full-time student

 

 e-Checking Account

$100.00 minimum opening balance

No minimum daily balance

$5.00 monthly Account Maintenance Fee

Unlimited electronic transactions $3.00 fee for each written debit item

Monthly electronic bank statements

 

Senior Checking  Account

$100.00 minimum opening balance 

No minimum daily balance

No monthly maintenance fee

Unlimited debits

Account may be joint, as long as one account owner is 60 years or older

 

Active Military Checking Account

$100.00 minimum opening balance

No minimum daily balance

No monthly maintenance fee

Unlimited debits

Eligible individuals must be active military personal

Account may be joint, as long as one account owner is active military personnel

 

Checking Accounts for Non-Profit Organizations

$100.00 minimum opening balance

No minimum daily balance

No monthly maintenance fee

Unlimited debits

 

Business Checking Account

$100.00 minimum opening balance 

No minimum daily balance

No monthly maintenance fee

Unlimited debits

Deposit bag

(1 bag free, $3.00 each additional bag, locking bag $20.00 each)

 

Now Account

$1500.00 minimum opening balance

No minimum daily balance to earn interest

$0.20 per debit over 35 paid per month

Visit our rates page for current interest rates

Minimum Daily Balance

Monthly Maintenance Fee

$1500.00

No Fee

Under $1500.00

$6.00

 

Super Now Account

$2500.00 opening minimum balance 

No minimum daily balance to earn interest

$0.20 per debit over 35 paid per statement cycle

Visit our rates page for current interest rates 

Minimum Daily Balance

Monthly Maintenance Fee

$2500.00

No Fee

Under $2500.00

$5.00

 

Money Market Account

$2500.00 opening minimum balance

No minimum daily balance to earn interest

Total of 6 debits per statement cycle 

$0.20 per debit over 6 paid per statement cycle (transaction fee)

Visit our rates page for current interest rates

Minimum Daily Balance

Monthly Maintenance Fee

$2500.00

No Fee

Under $2500.00

$5.00

 

Statement Savings Account

$10.00 minimum opening balance

Interest paid on a quarterly basis 

$0.50 excess withdrawal fee after 6 withdrawals per statement cycle

Visit our rates page for current interest rates

 

Christmas Club Accounts

Christmas Club accounts may be opened the week of November 1

Weekly deposit amounts include $2.00, $5.00, $10.00, $20.00

A check for your account balance can be deposited into your account or mailed to you in October of the following year

Christmas Clubs are not transaction accounts

 

Certificates of Deposit (CD's)

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 office or Eddyville office.

 

Individual Retirement Accounts (IRA's)

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 office or our Eddyville office.

 

Secure Email Statements

Don't like paper statements? Want your statements sent to you by email? We can now do that for you. It is SAFER and FASTER than if you received your statement by mail. Call us at (270) 545-3301 or (270) 388-2265 to see how you can have this feature free of charge.

 

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