Personal Checking & Savings Accounts

Valley Bank offers an array of checking and savings accounts, and other specialty services to meet your needs.

Print Personal Account Comparison

Free Checking

Free checking with great benefits

Open an Account

Key Features:

  • Free online banking with free bill pay 
  • Free debit card³
  • Unlimited check writing
  • eStatements available
  • Overdraft Privilege
$50 minimum to open No balance required to waive monthly service charge   No monthly service charge imposed if your balance for the statement cycle period falls below required thresholds No service charge for exceeding withdrawal limit per statement cycle 
 

Investor's Choice Checking

Interest-bearing with many advantages

Open an Account

Key Features

  • Interest-bearing account
  • Free online banking with free bill pay 
  • Free debit card³
  • Unlimited check writing
  • eStatements available
  • Overdraft Privilege
$1,250 minimum to open $1,250 average daily balance required to waive monthly service charge   $151 monthly service charge imposed if your balance for the statement cycle period falls below required thresholds  No service charge for exceeding withdrawal limit per statement cycle  
 

Health Savings Account

Use it to pay for "qualified medical expenses" when paired with a high deductible health plan

Open an Account

Key Features:

  • Interest-bearing account
  • Free online banking with free bill pay 
  • Free debit card³
  • Unlimited check writing
  • eStatements available 
$50 minimum to open No balance required to waive monthly service charge No monthly service charge imposed if your balance for the statement cycle period falls below required thresholds No service charge for exceeding withdrawal limit per statement cycle
 

Personal Savings

Low daily balance requirement

Open an Account

Key Features:

  • Interest-bearing account
  • Free online banking with free bill pay 
  • Free debit card (if linked to checking account)³
  • eStatements available 
$100 minimum to open $100 daily balance required to waive monthly service charge  $5 monthly service charge imposed if your balance for the statement cycle period falls below required thresholds  $1.50 service charge per debit transaction exceeding 3 per monthly cycle

Unlimited check writing not available with this account.2
 

Student Savings

Ideal for students

Open an Account

Key Features

  • Interest-bearing account
  • Free online banking with free bill pay
  • Free debit card (if linked to checking account)³
  • eStatements available
$25 minimum to open No balance required to waive monthly service charge  No monthly service charge imposed if your balance for the statement cycle period falls below required thresholds  $1.50 service charge per debit transaction exceeding 3 per monthly cycle

Unlimited check writing not available with this account.2
 

Preferred Money Market

Earn interest while maintaining liquidity of funds

Open an Account

Key Features:

  • Interest-bearing account
  • Free online banking with free bill pay
  • 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 transaction exceeding 6 per statement cycle

Unlimited check writing not available with this account.2

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).
²Federal 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.
³With no Valley Bank imposed usage fees

See our Truth in Savings Disclosure for more details. Current deposit rates: Des Moines & Surrounding Area or Quad Cities.