Commercial Banking Services

Mountain Valley Bank delivers solutions to fit your business needs.

Business Checking

We go out of our way to assist you, and to help you answer any financial questions. We take pride in having the highest standards of service, and in being able to find new solutions to your business needs. Our Business checking is cost effective. We offer three options to determine service charge – the base account formula or account analysis.

Services Available with Every Checking Plan

FREE eStatements
FREE mobile banking
FREE ATMs anywhere*
FREE online bill pay
FREE Checks & Debit Card

Business Benefit Checking

Mountain Valley Bank’s Business Benefit Checking is available to the following entities: not-for-profit organizations, not-for-profit corporations, not-for-profit associations, and personally owned businesses such as a sole proprietorship. A personally owned business that is identified as a limited liability company, corporation, or partnership entity is not eligible for this account.

  • Minimum balance of $250.00
  • Monthly service charge of $14.00 if account balance falls below minimum requirement. Discounted monthly service charge of $11.00 if receiving eStatement
  • Earn interest on collected balances ** based on three tiers
    • Tier 1: $1,000.00 – $9,999.99
    • Tier 2: $10,000.00 – $24,999.99
    • Tier 3: $25,000.00 or more
  • Monthly statement provided with images
  • Unlimited check writing
  • No per check charge

Business account application

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Business Plus Checking

Mountain Valley Bank’s Business Plus Checking is a non-interest bearing account designed for businesses and non-profits with moderate checking needs. This account is not recommended for customers with significant account activity.

  • Placed automatically into tiered pricing matrix monthly based on number of transactions and deposited items. Talk to a personal banker about Tier requirements
  • Monthly maintenance charge waived if the required minimum balance of tier is met based on average monthly balance. ***
  • Monthly statement proivded with images
  • Excessive activity fee: $0.25 per item for transactions/deposits that exceed Tier III monthly limits

Business Premium Checking

Business Premium Checking is a service recommended for businesses with large checking and/or deposited item volumes. Accounts receive credit for balances, and activity fees are based upon item volume. Our account reconciliation program, balance inquiry and wire transfer services provide data and control required to professionally manage more active accounts.
*All transactions at Mountain Valley Bank ATMs are free. Foreign transaction surcharge fees at ATMs not owned by Mountain Valley Bank will be reimbursed by us and deposited to your account.

**The “collected balance” on account is derived after all transactions have been posted to the account. The collected balance reflects only those funds that have been collected by us.

***The average monthly balance takes into consideration your full month’s deposits, even if your account falls below the minimum balance for the part of the month.



Steamboat Springs Curve Plaza - 970-870-6550
Steamboat Spring Wildhorse - 970-870-9990
Meeker - 970-878-0103
Walden - 970-723-8221
Hayden - 970-276-9099
24hr Telebanking - 877-275-2088




Effective July 1, 2020 our Funds Availability policy will be changed to the following: We are increasing the amount we make immediately available for withdrawal by checks not subject to same day availability from $200 to $225. In addition, the amount available for withdrawal on the second business day after the day of your deposit for large deposits, will increase from $5,000 to $5,525.