Valley Business Checking


  • $100 initial opening deposit with $0 minimum balance requirement thereafter. 
  • $10 monthly service charge fee can be partially or fully offset by a variable rate earnings credit calculated on the average collected balance.
  • $0.06 charge per item deposited 
  • $0.12 charge for each check posted 
  • Images of cashed checks available in your statement and online 
  • Must be 18 years or older to open 

Earning Allowance Rate

Rate 0.15% per $100 average collected balance 

Account Analysis Option 

Account Analysis is for the business who doesn’t qualify for Free Business Checking or for the business that maintains significant account balances and wants a credit for their aggregate account balances to be used to offset account activity fees or fees for routinely used services like ACH origination or for checks posted or deposited to the account. 

Account Analysis is an arrangement that considers the aggregate activity on any number of Regular Business Checking accounts owned by the same entity. An earnings credit on your aggregate balances in all your accounts is used to fully or partially offset qualified services fees that occurred during the settlement period. 

If you’re not sure if Account Analysis is right for you, we’d be happy to offer a comparison free of charge. Simply provide us with a bank statement or two and we’ll do the rest. 

Click here for a list of our current rates.

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


Services included for free:

  • Online Banking
  • Bill Pay 
  • eStatements
  • 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 

What you pay for:

  • Monthly Service Charge Fee - $10.00
  • OD paid item fee (per item) (1) - $25.00
  • Stop Payment (each) (2) - $25.00
  • Box of Checks - Prices Vary
  • Incoming Wire Transfer - $20.00
  • Outgoing Domestic Wire - $20.00
  • Outgoing Foreign Wire - $40.00
  • ACH Origination Monthly Service Fee - $15.00
  • ACH Origination per Batch - $3.00
  • ACH Origination per Item - $0.10

Account is subject to fees for other banking services as applicable.

(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.

(3)  Occurs when a check you deposited into your account does not clear the account of the person who wrote it to you. The amount that you were given credit is withdrawn from your account, but no fee is charged to you.


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.

Is there an advantage to eStatements over traditional paper statements?

Yes, definitely. Not only are eStatements better for the environment, but they are also more timely, secure and overall convenient. To get started with eStatements, login to your Online Banking, click on the E-Documents tab and follow the simple onscreen instructions.

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.