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
- Free Internet Banking with Bill Pay
- Imaged Statement
- No service charge at ATM's on the Surcharge Free Network (List @ surchargefree.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
- Free Internet Banking with Bill Pay
- $2.00 monthly credit
- E-Statement
- No service charge at ATM's on the Surcharge Free Network (List @ surchargefree.com)
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
- Free Internet Banking with Bill Pay
- Imaged statement
- No service charge at ATM's on the Surcharge Free Network (List @ surchargefree.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
- 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 the Surcharge Free Network (List @ surchargefree.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
- 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 the Surcharge Free Network (List @ surchargefree.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, of which six (6) may be made by check or draft. An excessive activity charge of $10.00 will be charged for each withdrawal in excess of those permitted.
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.
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.
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).
