Personal Banking

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.

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Personal Checking

View As:

Valley Free Checking

Valley 300 Checking

Valley Preferred Checking

ATM & MasterCard Debit Card

Internet Banking & Bill Pay

E-Statements

Optional*

Minimum 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

Minimum opening deposit $100
No service charge
No minimum balance
Statements provided by e-statement
Customers 62 and older can choose paper or e-statements

Valley 300 Checking

Minimum 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

Minimum 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

Valley Preferred Checking Rates*

Minimum Balance To Open	Interest Rate	Annual Percentage Yield
$1,000.00	0.02	0.02

* Interest rates and annual percentage yields are subject to change at any time. Fees could reduce earnings on the account.
Rates are posted as of October 3, 2025. For current interest rate information, exact interest rate amounts, additional terms and conditions, contact United Valley Bank: 888.265.8331.

Personal Savings

View As:

Valley Youth Savings

Valley Savings

Valley Preferred Savings

Minimum Opening Deposit

$25

$200

$1,000

Minimum Balance

$25*

$200*

$1,000**

Interest

***

Preauthorized Withdrawals

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 opening 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 preauthorized withdrawals per month
Auto enrollment to Valley Savings at age 18

Valley Savings

Minimum opening 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 preauthorized withdrawals per month

Valley Preferred Savings

Minimum opening deposit of $1,000
Interest compounded and credited monthly
Interest rates may vary
Limit of six preauthorized 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

Valley Savings Rates*

Minimum Balance To Open	Interest Rate	Annual Percentage Yield
$200.00	0.25	0.25

Valley Preferred Savings Rates*

Minimum Balance To Open**	Interest Rate	Annual Percentage Yield
$0.01 – $24,999.99	1.49	1.50
$25,000.00 – $99,999.99	1.64	1.65
$100,000.00 – $499,999.99	1.79	1.80
$500,000.00 & over	1.98	2.00

* Interest rates and annual percentage yields are subject to change at any time. Fees could reduce earnings on the account.
** Minimum initial deposit of $1,000.
Rates are posted as of October 3, 2025. For current interest rate information, exact interest rate amounts, additional terms and conditions, contact United Valley Bank: 888.265.8331.