Personal Finance

Banking is a big part of all of our lives. It helps us to get what we need, go where we need to go and build a future we can look forward to. That’s why personal banking is so important to all of us at United Valley Bank. We’ve developed accounts and products that make the most of your finances because we use those same accounts and products ourselves. By keeping our family, friends and neighbors in mind, we’ve made it a priority to keep our personal banking relationships personal. See for yourself. Whether you are looking for an easy-to-use checking account or a unique savings opportunity, one of our personal banking products is sure to fit your lifestyle.

Personal Checking

Valley Free Checking
Valley 300 Checking
Valley Preferred Checking
ATM & MasterCard Debit Card
Internet Banking & Bill Pay
E-Statements
Optional*
Optional**
Opening Deposit
$100
$300
$1,000
Service Charge
None
$5 per month*
$10 per month**
Minimum Balance
None
$300*
$1,000**
Images of Canceled Checks
 
Variable Rate of Interest Paid Monthly
 
 
Free Logo Check Blanks
 
 
Mobile Banking
Mobile Deposit
*$5 monthly service charge if daily balance falls below minimum (waived if account holder has opted for E-Statements)
**$10 monthly service charge if daily balance falls below minimum
WITH ALL CHECKING ACCOUNTS
  • Free MasterCard debit card
  • Internet banking and bill pay
  • E-statements
  • Mobile banking
  • Mobile deposit
  • Bill pay
  • Mobile wallet
  • Debit card management

Valley Free Checking

  • Opening deposit $25
  • No service charge
  • No minimum balance
  • Statements provided by e-statement
  • 62 and older paper or e-statements

Valley 300 Checking

  • Opening deposit $300
  • Images of canceled checks returned monthly
  • $5 monthly service charge if daily balance falls below $300
  • If account holder has opted for e-statements, the minimum daily balance and monthly service charge is waived.

Valley Preferred Checking

  • Opening deposit $1,000
  • Images of cancelled checks returned monthly
  • Variable rate of interest paid monthly
  • Free logo check blanks
  • $10 monthly service charge if daily balance falls below $1,000

Stop in or call one of our friendly associates today.

Photo of Jennifer Peterson

Jennifer Peterson
Cavalier
701.265.8331

Photo of Pam Clarksean

Pam Clarksean
Cavalier
701.265.8331

Photo of Jill Swanson

Jill Swanson
Hallock
218.843.3641

Photo of Cathy Waller

Cathy Waller
Hallock
218.843.3641

Photo of Deb Opsahl

Deb Opsahl
Mahnomen
218.935.5251

Photo of Debbie Hagy

Debbie Hagy
Mahnomen
218.935.5251

Photo of Gaylene Svobodny

Gaylene Svobodny
Twin Valley
218.584.5161

Photo of Angie Thornton

Angie Thornton
Twin Valley
218.584.5161

Photo of Ashley Brekken

Ashley Brekken
Crookston
218.281.1976

Photo of Brooke Cymbaluk

Brooke Cymbaluk
Crookston
218.281.1976

Photo of Taylor DeLisle

Taylor DeLisle
Argyle
218.437.6631

Photo of MariAna Kazmierczak

MariAna Kazmierczak
Argyle
218.437.6631

Photo of Lisa Vagle

Lisa Vagle
Lancaster
218.762.5955

Personal Savings

Valley Youth Savings
Valley Savings
Valley Preferred Savings
(Auto enrollment to Valley Savings at age 18)
 
 
Minimum Initial Deposit
$25
$200
$1,000
Minimum Balance
$25*
$200*
$1,000**
Interest
***
***
***
Pre-Authorized Withdrawals
6/month
6/month
6/month
*Service charge of $3 per month if daily balance falls below minimum
**Service charge of $10 per month if daily balance falls below minimum
***Rates may vary, compounded and credited monthly

Valley Youth Savings

  • Minimum initial deposit of $25 for minors
  • Service charge of $3 per month if daily balance falls below $25 minimum
  • Interest compounded and credited monthly
  • Interest rates may vary
  • Limit of six pre-authorized withdrawals per month
  • Auto enrollment to Valley Savings at age 18

Valley Savings

  • Minimum initial deposit of $200
  • Service charge of $3 per month if daily balance falls below $200 minimum
  • Interest compounded and credited monthly
  • Interest rates may vary
  • Limit of six pre-authorized withdrawals per month

Valley Preferred Savings

  • Minimum initial deposit of $1000
  • Interest compounded and credited monthly
  • Interest rates may vary
  • Limit of six pre-authorized withdrawals per month
  • Service charge of $10 per month if daily balance falls below $1000 minimum
  • Tiered interest rates:
    • $0.01 – $24,999.99
    • $25,000 – $99,999.99
    • $100,000 – $499,999.99
    • $500,000 & Over

Need a personal loan? Contact one of our personal lenders today.

Photo of Kristen Laxdal

Kristen Laxdal
Cavalier
701.265.8331
NMLS# 1049011

Photo of Ellie Dokken

Ellie Dokken
Cavalier
701.265.8331

Photo of Jay Schroeder

Jay Schroeder
Grand Forks
701.780.9757

Photo of Nan Nelson

Nan Nelson
Argyle/Hallock
218.437.6631
NMLS# 1075270

Photo of Matt Hann

Matt Hann
Crookston
218.281.1976
NMLS# 771148

Photo of Garrett Huus

Garrett Huus
Grand Forks
701.780.9757

Photo of Whitney Roske

Whitney Roske
Mahnomen
218.935.5251