Checking

Providing you with true personal service along with the knowledge and tools needed to manage your money more efficiently.

Value Checking Plus

  • Minimum deposit of $50 to open account
  • Free ATM’s Nationwide up to $30 when requirements are met (See your local branch for details)
  • Earn a premium interest rate on balances up to $25,000 (ask our new acccount representative for current interest rate)
  • Free Transactions at ValueBank Texas ATM’s
  • Free Internet Banking
  • Free Debit Card
  • FREE 24 hour telephone account inquiry
  • Unlimited checking writing
  • Electronic statement with check images (click here for e-statement sign up form)
  • Free assistance & Switch Kit to get all your electronic deposits and payment transactions setup
  • Monthly statement cycle
  • $300 Overdraft Privilege

4 Easy Requirements Each Statement Cycle to Qualify for premium interest and Free ATM’s nationwide

  • Make and post 15 Debit Card Transactions during statement cycle (ATM transactions DO NOT QUALIFY)
  • One automatic direct deposit or automated payment must be posted during the statement cycle
  • Access internet banking one time during the statement cycle
  • Receive monthly statement electronically (click here for e-statement sign up form)

Value Checking Plus Account Notice:
If you do not meet the requirements per statement cycle your account will still function as a free checking account earning a significantly lower rate.

All transactions must be posted during the statement cycle, not just transacted. Qualifying transactions include: Point of sales transaction, pin and non-pin transactions. ATM withdrawals DO NOT QUALIFY.

Automated Direct Deposit and Automated Payments must be posted during the statement cycle not just transacted.

Interest:  We use the daily collected balance computation method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.  Interest begins to accrue on the business day you deposit non-cash items (for example: checks).  Fees may reduce earnings on the account.

ATM refunds will be given if the four requirements are met per statement cycle.  We may change the interest rate and Annual Percentage Yield (APY) at any time after the account is opened.  No minimum balance required, however you must deposit a minimum of $50 to open this account and is only available to personal accounts.  No monthly minimum balance fee.

Value Checking

A personal checking account with no monthly service charge and no minimum balance required with electronic statement.

  • Free E-Statement with check images (click here for e-statement sign up form)
  • Unlimited check writing
  • Free Transactions always at ValueBank Texas ATM’s
  • Free Internet Banking
  • Free Debit Card
  • FREE 24 hour telephone account inquiry
  • Free assistance & Switch Kit to get all your electronic deposits and ACH transactions setup
  • Monthly statement cycle
  • $300 Overdraft Privilege
  • Minimum deposit of $50 to open account
  • No minimum balance and no monthly fees
    • Additional Terms:  If you do not elect to receive e-mail statements, you will be charged at $2.50 statement fee for your paper statements.  You will not receive items (check images) with your statement.  Upon request, the bank will provide two check copies per month without charge.
  • Duplicate checks required
  • Cancelled checks retained by bank

Classic Value Checking

A basic checking account that gives you the option of not paying a service charge if required balance is maintained.

  • Free E-Statement with check images or checks images provided with mailed statement (click here for e-statement sign up form)
  • Unlimited check writing
  • Free Internet Banking
  • Free Debit Card
  • FREE Transactions at ValueBank Texas ATM’s
  • FREE 24 hour telephone account inquiry
  • Free notary service
  • Free assistance & Switch Kit to get all your electronic deposits and ACH transactions setup
  • Monthly statement cycle
  • $500 Overdraft Privilege
  • Minimum deposit of $50 to open account
  • $800 daily balance to avoid $8 minimum balance fee
  • A per item fee of $0.20 will be charged for each debit processed in excess of 30 during a statement cycle.  This fee will be waived for accounts with a daily balance of $800.00 or more. (“Debit” Any and all withdrawals made from this account, except for bank-associated fees and/or services charges.)

Now Value Checking

  • A competitive interest-bearing account with unlimited check writing.
  • Free E-Statement with check images or checks images provided with mailed statement (click here for e-statement sign up form)
  • Unlimited check writing
  • Free Internet Banking
  • Free Debit Card
  • FREE Transactions at ValueBank Texas ATM’s
  • FREE 24 hour telephone account inquiry
  • Free notary service
  • Free assistance & Switch Kit to get all your electronic deposits and ACH transactions setup
  • Monthly statement cycle
  • $500 Overdraft Privilege
  • $1,000 minimum opening deposit
  • Interest paid and compounded monthly
  • $1,500 daily balance to avoid $15 minimum balance fee or maintain a $12,500 daily balance in your savings or money market account
  • Interest earned daily on balance of $1,500+
  • Additional postage fee after 75 transactions

Interest:  We use the daily collected balance computation method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day.  Interest begins to accrue on the business day you deposit non-cash items (for example: checks).  We reserve the right to at any time; require not less than 7 days in writing before each withdrawal from an interest-bearing account.

Annual percentage yield (APY) is variable and may change after the account is open.  Fees may reduce earnings on the account.

Valued Customer

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