Business Checking & Savings Accounts

Valley Bank is the financial services center for all your business banking needs. Depending upon the size of your business, we offer checking and savings accounts, and other specialty services to meet your needs.

Print Business Account Comparison

Community Checking

For non-profit organizations, sole proprietors & government entities only

Open an Account

Key Features:

  • Free online banking
  • Free debit card4
  • eStatements available
  • Interest-bearing account
$100 minimum to open $300 daily balance required to waive monthly service charge    $101 monthly service charge imposed if your balance for the statement cycle period falls below required thresholds (fee waived for non-profits) Unlimited check writing
 

Business Checking

For small businesses with minimal activity

Open an Account

Key Features

  • Free online banking
  • Free debit card4
  • eStatements available
  • Free 150 items2
$100 minimum to open $1,250 daily balance required to waive monthly service charge    $101 monthly service charge imposed if your balance for the statement cycle period falls below required thresholds  $0.251 per item exceeding 150 per statement cycle   
 

Commercial Checking

For mid-to-large size businesses with heavy account activity

Open an Account

Key Features:

  • Earnings Credit Account
  • Free online banking
  • Free debit card4
  • eStatements available 
No minimum to open $101 regardless of daily balance $101 monthly service charge regardless of daily balance $0.201 per debit item; $0.101 per item2 deposited   
 

Business Savings

All business entities

Open an Account

Key Features:

  • Interest-bearing account
  • Free online banking
  • Free debit card (if linked to checking account)4
  • eStatements available 
$200 minimum to open $100 daily balance required to waive monthly service charge $10 monthly service charge imposed if your balance for the statement cycle period falls below required thresholds $6.00 service charge per debit item exceeding 6 per statement cycle3

Unlimited check writing not available with this account.3
 

Business Money Market

All business entities

Open an Account

Key Features

  • Interest-bearing account
  • Free online banking
  • eStatements available
$5,000 minimum to open $5,000 daily balance required to waive monthly service charge   $10 monthly service charge imposed if your balance for the statement cycle period falls below required thresholds  $6.00 service charge per debit item exceeding 6 per statement cycle3   

Unlimited check writing not available with this account.3

If account is closed within 90 days of account opening, there will be a $15.001 service charge.

1These items may be subject to state sales tax (Illinois is excluded).
2Item is defined as: check, deposited item or transfer.
3Federal Reserve Regulation D prohibits, during any statement cycle, more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic instruction or whether initiated by check, draft or similar other withdrawals.
4With no Valley Bank imposed usage fees

Current deposit rates: Des Moines & Surrounding Area or Quad Cities.