Consumer Checking Accounts

Four checking accounts to choose from

PERSONAL CHECKING

Mountain Valley Bank has four Personal Checking Accounts for you to choose from designed with your lifestyle in mind. At Mountain Valley Bank, each qualified deposit is insured up to $250,000 by the FDIC.

Checking Types

Value Checking

No minimum balance.

No monthly service charge with eStatement.

Monthly statement provided without check images.**

Advantage Checking

Minimum balance of $500.00 or direct deposit of $1,500.00 or more per month to avoid monthly service charge.

Service Charge of $11.00 if account balance falls under minimum requirement. Monthly estatement provided.**

Earn Interest on collected balance above $500.00.

Optimum Checking

Minimum balance of $1,000.00 or $1,500.oo or more monthly direct deposit to avoid monthly service charge.

Service charge of $9.00 if account balance falls under the minimum requirement. Monthly estatement provided.**

Avoid service charge with Relationship Banking**** balance of $5,000.00.

Earn interest based on three tiers of collected balance.

Tier 1: $1,000.00 – $9,999.99

Tier 2: $10,000.00 – $24,999.99

Tier 3: $25,000.00 or more

Prime Checking

For those customers age 50+.

Monthly service charge of $4.00. Monthly estatement provided.**

Avoid service charge with Relationship Banking**** balance of $10,000.00.

Earn interest on collected balance.

FREE checks.

Direct deposits of $1,500.00 or more per month to avoid monthly service charge.

Cashiers checks – 3 per month at no charge.

Account Chooser

answer a few easy questions with our account chooser to get our top recommendation for you.

Account Chooser

answer a few easy questions with our account chooser to get our top recommendation for you.

Online Personal Checking Account Application

Important Information About Procedures For Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. You will need to provide a copy of your driver’s license or other identifying documents. Minimum initial deposit amount to open an account is $100 which can be cash, personal check or cashier’s check..

Relationship Banking***

Your relationship with Mountain Valley Bank is important to us, so we created Relationship Banking to show you just how much we value your business.

When you hold a certain qualified balance in any of the following accounts at Mountain Valley Bank, it can mean extra benefits for you:

  • Any checking account
  • Any savings account
  • Money Market account

* 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.

** $3.00 monthly charge for paper statements.

MOUNTAIN VALLEY BANK

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

24hr Telebanking - 877-275-2088

CACHE BANK & TRUST

a division of Mountain Valley Bank

Greeley - 970-351-8600

Fort Collins - 970-472-7900

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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.  

Checking Account Chooser

Will there by anyone 50 years or older signing on this account?