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Does your checking account earn 3.00% APY* interest? Ours does! Why not “check” it out?

We know earning money is important to you, so we have an account that offers a high interest rate along with rewards that you can actually use. It’s called… Value Checking w/Rewards this account offers 3.00% interest APY, plus a free mobile app with unlimited mobile check deposits and online banking with free unlimited bill pay. Start earning money with four easy requirements.

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Value Checking Account Advantages

  • $50 Opening Deposit
  • No Minimum Daily Balance
  • Online Banking w/Free Unlimited BillPay
  • Free & Unlimited Mobile Check Deposit
  • Free Use of VBT ATMs, Plus More
  • Complete the form today to start earning 3.00% APY* interest on your money!
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Rewards you will use everyday!

3.00% APY*  on balances up to $24,999.99

Free Online Bill Pay

Free Mobile Check Deposit

Free Debit Card

Free Use of VBT ATMs

*4 Easy Requirements…that you probably already do!

Use Online banking one time per statement cycle

Sign up and receive electronic statements

Use debit card 20 times (Point-Of-Sales transactions) per statement cycle

One direct deposit or ACH debit payment per statement cycle

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New Account Inquiry


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    1. The daily collected balance computation method is used to calculate interest on your account. This method applies to a daily periodic rate to the principal in the account each day. Interest accrues on the business day you deposit non-cash items. Fees may reduce earnings on account. Annual percentage yield (APY) is variable and may change after the account is open.
    2. Must maintain $1,500 in NOW Account or $12,500 in Money Market to avoid fee.
    3. Value Checking w/Rewards Account Effective 06/22/2018.  Requirements to earn 3.00% Annual Percentage Yield, APY, on balances up to $24,999.99 and rewards: 1. Use Online banking one time per statement cycle 2. Sign up and receive electronic statements 3. Use debit card 20 times (Point-Of-Sale transactions) per statement cycle 4. One direct deposit or ACH debit payment per statement cycle. If you do not meet these requirements during the statement cycle, your account will still earn interest but at a lower rate (0.05% APY) and will NOT receive the $3.95 monthly service charge refund. Fees may reduce earnings. APY is accurate as of 06/22/2018. We may change the interest rate and APY at any time after the account is opened. Rewards Include: Online Banking with Free BillPay , Mobile App with Free Mobile Check Deposit and Refund of Service Charge.
    4. Qualifying account holders who have had account more than 30 days (click here for more details)
    5. $2.95 a statement cycle for the first 10 transactions and $0.50 for each additional bill paid.
    6. $0.40 per item (mobile) deposited not to exceed $3,000. 5 deposits daily with maximum of $9,000 daily.
    1. Classic Value Checking: $0.20 per transaction for every transaction over 30 per billing cycle.
    2. If you do not elect to receive e-mail statements, you will be charged a $2.50 statement fee for your paper statements.
    3. Value Checking NOW: A postage fee of $.23 will be assessed after 75 transactions.

    Funds Availability Policy

    Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive your deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the second business day after the day of deposit.

    Download Overdraft Privilege Form