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.

Mobile Deposit - Make deposits anytime, anywhere, easily with your mobile device. Register for Mobile Deposit in your Mobile Banking App by following the instructions. Fast! Free! Convenient!

Daily cutoff for Mobile Deposit is 4:00 pm

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.

Valley Premier Bank’s Visa^® Debit Cards will be automatically enrolled in Visa^® Account Updater (VAU) service. With VAU, your account files will be updated when information changes because of a product upgrade, card expiration, loss or theft, account closure or other changes. You are entitled to opt out of this service. You may opt out at any time.

If you want to opt out, call us at 218-483-3361. If you choose to opt out or if a merchant you have set up recurring payments at does not participate, you are responsible for providing that merchant with updated card information and may incur fees if you do not do so in a timely manner.

Verified by Visa^® - Due to the recent increase in online card fraud, we recommend that you enroll your Visa^® Debit Card in Verified by Visa^®. Enrolling for this protection requires you to set up a private code for your account which will give you an additional layer of online shopping security. When shopping online at a participating merchant, you will be prompted to enroll, if you haven't already, or to enter your private code during the online checkout process.

If you forget your private code, you will be locked out after three unsuccessful login attempts. Please contact Valley Premier Bank at 218-483-3361 to have your card unlocked.

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

Misplaced your debit card? You can block it immediately - right from your Online Banking or Mobile App. When you find your card, unblock it. It's easy, and it's instant. (Availability may be affected by your mobile carrier's coverage area. Blocking your debit card is not a replacement for reporting your card lost or stolen. Contact us immediately if you believe that unauthorized transactions have been made. Blocking your card will not stop card transactions presented as a recurring transaction, transactions using other cards linked to your deposit account, or the posting of refunds or credit adjustments to your account. Mobile carrier message and data rates may apply.)

Just remember that when your card is blocked, you won't be able to use it for purchases or ATM withdrawals. Authorized recurring payments may still be processed.

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.

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

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

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

Safe Deposit

Safe Deposit Boxes

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

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

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.