Personal Banking

Checking


Free Checking

  • No monthly service charge
  • First order of 50 checks free
  • Free Visa® Debit Card
  • $1,000 Accidental Death Insurance
  • Free monthly E-statements with check images or paper statement mailed monthly
  • Convenient Credit Available**

NOW Checking

  • Interest bearing account
  • Earn interest when you maintain a minimum daily balance of $500
  • First order of 50 checks free
  • Free Visa® Debit Card
  • $1,000 Accidental Death Insurance
  • Free monthly E-statements with check images or paper statement mailed monthly
  • Interest compounded and credited monthly
  • Convenient Credit Available**
  • $5.00 monthly service charge if the account balance falls below $500 any day of the month

Century Plus Checking

  • Free single personal checks (50 designs to choose from) or $5.00 discount on any other style
  • Free Visa® Debit Card
  • $10,000 Accidental Death Insurance
  • No fee for cashier’s checks and money orders
  • Free photocopies (5 per visit)
  • Free monthly E-statements with check images or paper statement mailed monthly
  • Convenient Credit Available**
  • $5.00 monthly service charge if the daily account balance falls below $2,500

Classic Club Checking
Requirements: Must be age 55 or better and have $5,000 in combined accounts with Valley Premier Bank.

  • No monthly service charge
  • Interest compounded and credited monthly
  • Free single personal checks (50 designs to choose from) or $5.00 discount on any other style
  • No fee for cashier’s checks and money orders
  • Free Visa® Debit Card
  • $1,000 Accidental Death Insurance
  • Convenient Credit available**
  • Free monthly E-statements with check images or a paper statement mailed monthly

**CONVENIENT CREDIT – A special automatic overdraft protection when you qualify for our Convenient Credit account. Enjoy loan advances made directly to your checking account. Separate application is required.

Visa® Debit Card – Use your Visa® Debit Card to make purchases. Payment is automatically deducted from your checking account. Or use your Visa® Debit Card to make withdrawals from Automated Teller Machines (ATMs) worldwide.

Lost Cards – For lost or stolen Visa® Debit Cards call 1-877-CAN-CEL1 (1-877-226-2351).

Debit Card Alerts - To enhance security and reduce debit card fraud, you can have alerts sent to you via email for the following transactions:

  • Minimum transaction amount
  • Online/phone/mail orders
  • Card not present
  • ATM withdrawals
  • International
  • Cash back
  • Declines
  • Fuel

Please stop in or call either branch to set up your debit card alerts.

Services & Fee Schedule - see the Resources page.

 

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Savings


Regular Savings

A savings account to fit any investor.

  • No monthly service charge
  • Interest compounded and credited quarterly
  • Variable interest rate
  • Unlimited transfers or withdrawals made in person, by mail, messenger or ATM during 4 week or similar period
  • Limit of 6 automatic, preauthorized transfers or data transmissions which include telephonic or Internet transfers during 4 week or similar period
  • Earn interest when you maintain a minimum daily balance of $100

Money Market Savings

  • No monthly service charge
  • Competitive money market interest rate
  • Interest compounded and credited monthly
  • Unlimited transfers or withdrawals made in person, by mail, messenger or ATM during 4 week or similar period
  • Limit of 6 automatic, preauthorized transfers or data transmissions which include telephonic or Internet transfers during 4 week or similar period
  • Earn interest when you maintain a minimum daily balance of $500.00
  • Earn interest if the daily account balance is $500.00 - $9,999.99
  • Earn a higher interest rate if the daily account balance is $10,000.00 - $24,999.99
  • Earn an even higher interest rate if the daily account balance is $25,000.00 or more
 
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CDs


Certificates of Deposit

Certificates of Deposit (CDs) provide higher interest than regular savings accounts in return for your agreement to commit savings for specified periods of time.

  • Terms from 6 months to 60 months
  • $500 minimum opening deposit
  • Competitive market rates
  • Quarterly compounding and crediting of interest on terms longer than 1 year
  • Penalties may apply for early withdrawal

 

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IRAs


Retirement Plans

Whether you’re an individual or a business, we would be happy to discuss the benefits of a tax deferral plan that would best fit your needs.

  • Traditional IRAs
  • Roth IRAs
  • Coverdell Education Savings Accounts
  • Competitive rates
  • No annual custodial fees
  • Penalties may apply for early withdrawal if under 59 1/2
 
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Safe Deposit


Safe Deposit Boxes

Enjoy peace of mind knowing your valuables are safe for a small annual fee.

 

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Loans


Consumer Loans

New and used cars, trucks, RV’s, boats, 4-wheelers, snowmobiles, etc.

  • Secured or unsecured
  • Fast, friendly service
  • Various terms available

We will work with you for the payment plan that best fits your needs.

Convenient Credit

A special automatic overdraft protection when you qualify for our Convenient Credit Account. Enjoy loan advances made directly to your checking account. Separate application is required.

Consumer Loan Contacts

Moorhead Office        Tammy        218-233-2544
    Kari   218-233-2544
         
Hawley Office   Jolene   218-483-3361
    Jackie   218-483-3361

 

www.nadaguides.com - A guide to values of many different types of vehicles.

Real Estate Loans

Local decision making with fast, professional service.

  • Purchase a home or refinance your existing home
  • Construction loans, we can help you build your dream home
  • Home equity installment loan, use this to buy that new vehicle you always wanted, consolidate existing loans or take that dream vacation
  • Home Equity Lines of Credit, a revolving equity line that gives you the flexibility to advance on the loan when you need the money

Real Estate Loan Contacts

Moorhead Office        Tammy (NMLS# 412065)        218-233-2544
         
Hawley Office   Dan     (NMLS# 412064)   218-483-3361
    Jolene (NMLS# 1484408)   218-483-3361
    Jackie (NMLS# 1650482)   218-483-3361

 

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Personal Credit Cards


Choosing the right credit card is easier than ever.

No matter which card you choose, you'll enjoy important features like:

  • EMV smart chip technology for added security
  • Mobile purchasing capability for added convenience 
  • Plus much more!

See one of our Personal Banking Officers for more information.

 

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