Personal Checking  

 

Mountain Valley Community Bank offers both interest bearing and non-interest bearing checking accounts. Our checking accounts reflect our commitment to value and require a low minimum deposit to open.

FREE Checking

  • $95 Minimum to open
  • No minimum balance to avoid fee
  • No maintenance fee
  • Debit Card with no maintenance fee
    (subject to credit approval)
  • Free Internet Banking with Bill Pay
  • Imaged Statement
  • No service charge at ATM's on Sum-Atm.com

E-Checking

E-Checking is designed for individuals that desire easy electronic access to their accounts and like the idea of earning a monthly credit to their account.

  • $95 Minimum to open
  • No minimum balance to avoid fee
  • No maintenance fee
  • Debit Card with no maintenance fee
    (subject to credit approval)
  • Free Internet Banking with Bill Pay
  • $1.00 monthly credit
  • E-Statement
  • No service charge at ATM's on Sum-Atm.com
  • E-vue credit will post on the first business day of the month

Mountain Interest Checking

  • $95 Minimum to open
  • No maintenance fee with a $1,000 minimum daily ledger balance
  • A $10.00 monthly maintenance fee will apply if the above balance is not maintained
  • Interest will be calculated on daily collected balances and credited monthly
  • Debit Card with no maintenance fee
    (subject to credit approval)
  • Free Internet Banking with Bill Pay
  • Imaged statement
  • No service charge at ATM's on Sum-Atm.com

 

Mountain Travel Checking

Our special Mountain Travel Checking is available to anyone regardless of your age!

  • $100 Minimum to open
  • No maintenance fee with a $2,500 minimum daily ledger balance or $10,000 CD/IRA maintained by the customer
  • A $15.00 monthly maintenance fee will apply if the above balance is not maintained
  • Interest on balances of $500 or more will be calculated on daily collected balances and credited monthly
  • Debit Card with no maintenance fee
    (subject to credit approval)
  • Free Internet Banking with Bill Pay
  • Free Bank Style Checks
  • Free Cashiers Checks
  • Free Notary service
  • Membership in Mountain Valley Adventure Club
  • 50% Discount on safe deposit box (Auto Debited Only)
  • Imaged statement
  • No service charge at ATM’s on Sum-Atm.com

 

Mountain Management Account

The Mountain Management Account offers competitive rates and rewards higher balances with a
tiered-rate structure.

  • $10,000 Minimum to open
  • No maintenance fee with a $25,000 combined minimum daily ledger balance of all primary accounts held in the customer portfolio
  • A $75.00 annual maintenance fee will apply if the above balance is not maintained
  • Debit Card with no maintenance fee
    (subject to credit approval)
  • Free Internet Banking with Bill Pay
  • Free Bank style checks  
  • Free Cashiers Checks
  • Free Notary Service
  • 50% Discount on Safe Deposit Box (Auto Debited Only)
  • Membership in Mountain Valley Adventure Club
  • Imaged Statement
  • No service charge at ATM’s on Sum-Atm.com
  • Interest will be calculated on daily collected balances and credited monthly.

  Personal Savings  

 Mountain Valley Community Bank offers several options to assist you in reaching your savings goals including short-term and long-term investment options.

Regular Savings

  • $95 Minimum to open
  • $95 Minimum daily ledger balance to avoid $6.00 quarterly maintenance fee
  • Four (4) free withdrawals per quarter
  • Excessive activity charge of $3.00 each withdrawal over four (4) per quarter

 

Mountaineer Savings Club

Mountain Valley Community Bank Mountaineer Savings Club is a fun way to save for children ages 18 and under.

  • $5.00 Minimum to open
  • Four (4) free withdrawals per quarter
  • Excessive activity charge of $3.00 each withdrawal over four (4) per quarter

 

Mountain Money Market Account

Mountain Valley Community Bank Money Market account offers competitive rates and rewards higher balances with a tiered-rate structure.

  • $1,000 Minimum to open
  • No maintenance fee with a $1,500 minimum daily balance
  • A $15.00 monthly maintenance fee will apply if the above balance is not maintained
  • Interest on balances of $1,500 or more will be calculated on daily collected balances and credited monthly
  • Federal regulations limit third party or preauthorized withdrawals to six (6) per statement cycle. An excessive activity charge of $10.00 will be charged for each withdrawal in excess of those permitted.

Certificates of Deposit

For longer-term investments, Mountain Valley Community Bank offers a full array of Certificates of Deposit.

  • $500 Minimum to open
  • Terms:  Maturities of up to sixty (60) months
  • Automatic certificate renewal
  • Interest may be reinvested, deposited to another account or paid by check
  • Certificates may be used as collateral on loans
  • Penalty for early withdrawal
  • Membership in Mountain Valley Adventure Club (minimum $20,000)

Individual Retirement Accounts (IRA)

An IRA is a convenient savings program that allows money to be
set aside for retirement while earning tax-deferred interest.

  • $500 Minimum to open
  • Terms:  Maturities up to sixty (60) months
  • Automatic certificate renewal
  • Interest is reinvested in the IRA
  • Standard IRA rules apply
  • Education, Traditional and Roth IRAs available
  • Penalty for early withdrawal
  • Membership in Mountain Valley Adventure Club (minimum $20,000)

 

  CONSUMER LOANS 

 

Personal Loans

Form unexpected expenses to major purchases, Mountain Valley Community Bank can design a loan to fit your specific financial situation.  We offer fast approval and convenient terms.

Personal Line of Credit

Mountain Valley Community Bank offers secured or unsecured personal lines of credit which can give you liquidity for unexpected emergencies or to make purchases.  In fact, your personal line of credit can be linked to your checking account and be used as overdraft protection

 Home Construction Loans

Mountain Valley Community Bank can  help with the entire process from financing your lot purchase through construction.

 Home Equity Loans

A Mountain Valley Community Bank Equity loan can give you financial flexibility.  The equity in your home is a valuable asset that can be used for home improvements, college tuition, or that once-in-a-lifetime vacation.  The interest paid on the loan may even be 100% tax deductible, consult your tax advisor concerning tax deductibility. 

Home Mortgage Loans

Mountain Valley Community Bank offers a full range of traditional and non-traditional mortgage loan programs.  Our mortgage experts can help you find the loan just right for your particular circumstances.  (See Mountain Valley Community Bank Mortgage Services).

 

Donald E Allison       
NMLS ID # 489238    706.348.6822    dallison@mvcbank.com
Sherrie Atterholt       
NMLS ID # 489239    770.983.2201    satterholt@mvcbank.com
Mindy Clark             
NMLS ID # 489240    706.348.6822    mclark@mvcbank.com
Marc Greene            
NMLS ID # 489241    706.348.6822    mgreene@mvcbank.com
Hoyal Presley           
NMLS ID # 489242    706.348.6822    hpresley@mvcbank.com        
Sam McDuffie
NMLS ID # 811216    706.387.7416    smcduffie@mvcbankcom
Tammy Babb
NMLS ID # 811217    706.387.7416    tbabb@mvcbank.com    
Susan Bruce
NMLS ID # 744129     706.387.7416     sbruce@mvcbank.com
Rebecca King
NMLS ID # 607568     706.348.6822     rking@mvcbank.com
Greg Hunter
NMLS ID # 811197     706.387.7416     ghunter@mvcbank.com
Chris Baumgardner
NMLS ID # 479276     770.983.2201     cbaumgardner@mvcbank.com

 

 Other Services Offered

Online Banking and Bill Pay / Cash Management

Mountain Valley Community Bank's Internet Banking allows you to conduct 
all your banking transactions on your PC from home, office, laptop or 
wireless device.  You get all the modern conveniences plus the personal
service only a community bank can offer.

  • View your actual checks front and back
  • Transfer money between accounts any time, day or night
  • View all transactions as they occur
  • Download your transactions into MS Money, Quickbooks, or Quicken
  • View and print your statement
  • View transactions between specified dates
  • Make a payment on your Mountain Valley Community Bank Loan

Sign up for our Bill Payment Service and never write a check or worry
about mailing a payment on time again.  It is easy, safe and it is free!

Overdraft Privilege Service 

Our Overdraft Privilege Service will be automatically added to eligible accounts to cover checks and ACH transactions. Customers can opt into the 
service to cover ATM/debit card transactions.  See our disclosure for terms and conditions

Automatic Teller Machine (ATM)

 With a Mountain Valley Community Bank Debit Card,
you may make withdrawals at any ATM worldwide.
No service charge at ATM’s on the Surcharge
Free Network. Ask for a list of locations or visit
SurchargeFree.com to see a list of locations that
are convenient for you.  

Please click here to see ATM locations (sum-atm.com) that you can use with no service charge.

Debit Card with ScoreCard® Rewards

 For a fast, convenient and safe way to pay for your
purchases, Mountain Valley Community Bank offers the
Mountain Valley Community Bank Debit Card. It looks
like a credit card but works like a check. You may
use your Debit Card at ATMs to get cash or make purchases.
With a Debit Card purchase, the payment is automatically
deducted from your checking account. When using your Debit
Card for purchases, simply choose “Credit” instead of
“Debit” to receive ScoreCard® Rewards points toward
merchandise and travel! Click here to sign up.

To report a lost or stolen debit card after business hours
please call 1.800.500.1044.

  Direct Deposit

 With the convenience of Direct Deposit, you can have
immediate access to your money by having your payroll
check deposited directly into your account. It’s safe, simple
and worry-free. Our staff at Mountain Valley Community Bank
can assist you in establishing direct deposit of Social
Security, other government payments or company pension
payments.

  Safe Deposit Boxes

 Mountain Valley Community Bank offers a safe and secure
place for holding your personal belongings and important
papers. You can choose a 3x5, 3x10, 5x10, or a 10x10 box
depending on your needs. Safe box size availability will vary
at each location.

  24 Hour Telephone Banking

Telephone Banking gives you fast, up-to-the-minute
account information and is available 24 hours a day, 7 days
a week. With a touchtone phone, you may inquire about
your account balance, find out if a check has cleared and
even make transfers between accounts.

855.835.MVCB(6822)

Night Depository

For your convenience, you can make secure deposits
at any time.

Wire Transfers

Funds may be sent or received from almost any part of
the world by wire transfer. Ask any customer service
representative about this convenient and affordable
method of moving your money.

Gift Cards

Mountain Valley Community Bank offers gift cards which can 
loaded with any amount between $10 and $750 and used 
by the recipient anywhere VISA is accepted or you can 
purchase a reloadable travel card loaded with any amount
between $100 and $5,000.  This card can be used worldwide
at ATM's and VISA merchants and reloaded via the web.

Investment Services / Wealth Management

  • Asset Management
  • Retirement Planning
  • Planning for College
  • Investments that fit

 

 

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