Free* Small Business Checking

We invented truly free checking for businesses and have been offering it since 2001. 

  • $100 initial opening deposit with $0 minimum balance requirement thereafter. 
  • $0 monthly service charge fee 
  • $0 charge per deposit, per item deposited, or per checks posted 
  • **$0 charge for currency or coin purchases 
  • $0 charge back item fee 
  • Non interest bearing account 
  • Free*** Business Online Banking, Bill Pay and eStatements 
  • Free Telephone Banking 
  • Free Mobile Banking 
  • Free Visa Debit Card 
  • Images of cashed checks available online 
  • Free Overdraft Transfer Protection & Automatic Funds Transfers 
  • Must be 16 years or older to open 
  • Available for locally owned businesses in our core market areas. 

*Other charges may apply

**We charge a 2% fee to count & sort loose coin totaling more than $500.  Excess cash fees applicable for cash intensive businesses.

***A $3 monthly service charge will be imposed after 90 consecutive days inactive.

Click here for a list of our current rates. 

Rates may change after account opening. Fees may reduce earnings.


Services included for free

  • Currency & Coin Purchases & Sales
  • Online Banking, Bill Pay, and eStatements
  • Mobile Banking
  • Visa Debit Card
  • Telephone Banking
  • Bank-owned ATM access
  • Four Foreign ATM Withdrawals, Balance Transfers, and Inquiries per month
  • Online, Text and Email Alerts
  • Overdraft Protection (1)
  • Automatic Funds Transfers
  • Check Images Online
  • Statement Copies Online
  • Currency or Coin Purchases or sold 

What you pay for

  • OD - Paid Item Fee (per Item) (1) - $25.00
  • Stop Payment (each) (2) - $25.00
  • Checks - Prices Vary
  • ACH Origination Monthly Maintenance Fee - $15.00
  • ACH Origination per File Fee - $3.00
  • ACH Origination per item - $0.10

(1) When you don’t have enough money in your account to cover a check or other item. These can potentially be avoided by taking advantage of Free Automatic Transfer Protection. Created by check, in-person withdrawal, or electronic means (including recurring debit card transactions) other than point of sale or ATM transaction, unless you opt-in to Valley Balance Plus, then fees also apply to POS and ATM transactions. Maximum of 10 combined OD fees per day. 

(2) An order to request that the Bank not pay a check that has been written but not cashed.


How can I make deposits to my account?

Currently you can make deposits using the following channels:

  • Branch lobby
  • ATMs that accept deposits
  • Online Banking transfer
  • US Mail
  • Wire Transfer
  • ACH (Automated Clearing House) 
  • Night Drop

How can I access the money in my account?

  • Use a Visa debit card or checks for purchases or payments
  • Use your Visa debit card at an ATM to get cash
  • Request cash back when using your Visa debit card at a store
  • Use Free Online Bill Pay for making payments
  • Call or visit a branch to request a cashiers check or wire transfer
  • Make a withdrawal from any one of our branches
  • Authorize recurring electronic money transfers to your account at another institution

How much money can I withdrawal using my debit card at an ATM?

The standard daily ATM withdrawal limit is $505 per debit card.

Does my debit card have a daily purchase limit?

Daily point of sale (POS) is $5,000.00.

How long does it take to receive a new debit card?

Debit cards can be printed at the time of new account opening. 

How long does it take to receive new checks?

You should expect to receive your checks within 10 business days of opening an account.

What do I do if my debit card or checks have become lost or stolen?

  • To report a lost or stolen debit card, simply sign into Online Banking, navigate to the Dashboard, Card Management, select the lost card, and toggle it over to "locked" status.

    Alternatively, you may call: 

    (509) 664-5453 Monday – Friday, 7:00 a.m. – 6:00 p.m.

    (888) 297-3416 After Hours Only

To report lost or stolen checks call your local branch as soon as possible during regular business hours, or you may place a Stop Payment request yourself in your Online Banking. There is a $25 fee for each Stop Payment request.