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 Elite Checking
Valley 300 Checking
Valley Preferred Checking
ATM & MasterCard Debit Card
Internet Banking & Bill Pay
E-Statements
Optional*
Optional**
Opening Deposit
$25
$100
$300
$1,000
No Service Charges
$7 per month
$5 per month*
$10 per month**
Minimum Balance
None
None
$300*
$1,000**
Images of Canceled Checks
 
Variable Rate of Interest Paid Monthly
 
 
Free Logo Check Blanks
 
 
Mobile Banking
Mobile Deposit
Features***
 
Free: Identity Theft Insurance, Free: Credit Card Fraud Protection, Free: AD & D Insurance, Free: Stop Payments, Free: Bank Money Orders.
 
 
*$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
***Additional Bank Servcies and Perks, see a Customer Service Representative for more information
WITH ALL CHECKING ACCOUNTS
  • ATM or MasterCard Debit Card
  • Internet Banking & Bill Pay
  • E-Statements
  • Mobile Banking
  • Mobile Deposit

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 Elite Checking

  • Opening deposit $100
  • Monthly service charge of $7
  • No minimum balance
  • Interest bearing
  • Interest rate and annual percentage yield may change
  • Images of canceled checks returned monthly
  • Free check blanks with logo
  • Accidental Death Insurance
  • Identify Theft Insurance with Fraud Assistance
  • Cash Rewards
  • Additional Free Bank Services and Perks for Valley Elite Checking only, see a Customer Service Representative for more information.

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 Lorri

Lorri
Cavalier
701.265.8331

Photo of Pam

Pam
Cavalier
701.265.8331

Photo of Jill

Jill
Hallock
218.843.3641

Photo of Cathy

Cathy
Hallock
218.843.3641

Photo of Phyllis

Phyllis
Argyle
218.437.6631

Photo of Connie

Connie
Grand Forks
701.402.0253

Photo of Ellie

Ellie
Grand Forks
701.780.9757

Photo of Deb

Deb
Mahnomen
218.935.5251

Photo of Mara

Mara
Mahnomen
218.935.5251

Photo of Gaylene

Gaylene
Twin Valley
218.584.5161

Photo of Angie

Angie
Twin Valley
218.584.5161

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 rates may vary
  • Interest compounded and credited monthly
  • Limit of 6 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 rates may vary
  • Interest compounded and credited monthly
  • Limit of 6 pre-authorized withdrawals per month

Valley Preferred Savings

  • Minimum initial deposit of $1000
  • Interest rates may vary
  • Interest compounded and credited monthly
  • Limit of 6 pre-authorized withdrawals per month
  • Service charge of $10 per month if daily balance falls below $1000 minimum
  • Tiered interest rates:
    • $1,000 – $25,000
    • $25,001 – $100,000
    • $100,001 – $500,000
    • $500,001 +