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 Digital Banking

FREE eStatements

FREE Mobile Banking


FREE VISA Debit Card

FREE ATMs anywhere*

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 $11.00 if account balance falls below minimum requirement. Monthly eStatement provided.**
  • 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
  • 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. Connect with 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.

ACH Newsletter

*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.

** Additional $3.00 monthly charge for paper statements.

***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 Springs Wildhorse - 970-870-9990

Meeker - 970-878-0103

Walden - 970-723-8221

Hayden - 970-276-9099

Greeley - 970-351-8600

Fort Collins - 970-472-7900

24hr Telebanking - 877-275-2088