Valley Capital Bank

Products

Relationship Manager

As our valued client, you are assigned a Relationship Manager as your direct point of contact, on call, to immediately meet your banking needs and provide you with prompt service and support. For more information on our products and services or to discuss your business banking needs, please call (480) 760-4000 or e-mail us today!

Valley Capital Bank is a relationship-based bank able to customize products to meet the needs of your business.

Please click on a product for more information.

• Business Analysis Checking
• Features: For medium to large size businesses with higher activity
  Usage Guidelines: None
  Interest: None; Earnings credit on net collected balance applied to offset monthly analysis charges. Subject to change without notice.
  Monthly Service Fee: $15.00 per month
  Minimum Opening Balance: $1,000

• Business Checking
• Features: For small to medium size businesses with average activity
  Usage Guidelines: None
  Interest: None
  Monthly Service Fee: None with $3,000 average daily balance for the month, otherwise $10.00 per month and $.25 per debit paid.
  Minimum Opening Balance: $1,000

• Capital Money Market Account
• Features: Tiered rate, interest-bearing, limited transaction business checking
  Usage Guidelines: Limited to six preauthorized, automatic, or 3rd party transfers per statement: No more than three by check, draft or debit card. Excess debit fee: $5.00
  Interest: Tiered-rate calculated daily, simple interest, credited monthly. Minimum daily collected balance of $2,500 required to earn interest
  Monthly Service Fee: None with $10,000 average daily balance for the month, otherwise $20.00 per month.
  Minimum Opening Balance: $10,000

• Money Market Account
• Features: Interest-bearing, limited transaction, individual or business checking
  Usage Guidelines: Limited to six preauthorized, automatic, or 3rd party transfers per statement: No more than three by check, draft or debit card. Excess debit fee: $10.00
  Interest: Calculated daily, simple interest and credited monthly. Minimum daily collected balance of $1,000 required to earn interest
  Monthly Service Fee: None with $4,000 average daily balance for the month, otherwise $10.00 per month
  Minimum Opening Balance: $2,500

• NOW Checking
• Features: Interest-bearing individual, sole proprietor, or certain non-profit businesses checking
  Usage Guidelines: Unlimited checks, transfers or withdrawals
  Interest: Simple interest, calculated daily, credited monthly.
  Monthly Service Fee: None with $2,500 average daily balance for the month, otherwise $15.00 per month and $.25 per debit paid
  Minimum Opening Balance: $2,500

• Personal Checking
• Features: Individual and/or joint personal account
  Usage Guidelines: None
  Interest: None
  Monthly Service Fee: None with $1,000 average daily balance for the month, otherwise $10.00 per month
  Minimum Opening Balance: $500
  

• Regular Savings
• Features: Interest-bearing individual or business savings
  Usage Guidelines: Limited to six telephone transfers, preauthorized automatic transfers or 3rd party transfers per statement cycle
  Interest: Calculated daily on a simple interest basis, credited quarterly
  Monthly Service Fee: None with a $500 average daily balance for the month or if under the age of 18 years old, otherwise $5.00 per month. A $15.00 charge on any account closing within first six months
  Minimum Opening Balance: $500

• Additional Accounts
• A variety of additional deposit accounts, including IRA Accounts and Certificates of Deposit, are available. Please contact us for more information.