Personal Checking Accounts

North Valley Bank Personal Checking Accounts

With us, it’s personal

Checking accounts, we all prefer one, but we are all different. Whether you just want the basics, or prefer an account that lets you avoid monthly fees, we’ve got you covered. Simply choose the checking option that makes sense for your life. It’s your checking, your way.

personal CHECKING. Choose the checking account that's right for you.

Minimum Balance to Open Account1$100.00$100.00$100.00$100.00
Interest PaidAccrued Daily, Compounded Monthly; Paid Monthly on Collected Balance*N/AN/AN/A
Interest RateTiered Rate Based Upon Balance; Subject to Change at our DiscretionN/AN/AN/A
Balance to Aviod Monthly Maintenance Service Charge2There is no balance to avoid the monthly fee.$500.00 or Direct DepositN/AN/A
Monthly Service Charge$7.50 if all qualifications are not met.(10 settled and posted debit card point of sale transactions per monthly statement cycle, receive one monthly direct deposit, and receive your monthly statement electronically)$6.00N/AN/A
Transaction FeesNo ChargeNo ChargeNo ChargeNo Charge
StatementsFree e-statementFree e-statement $2.00 per paper statementFree e-statement Free paper statementFree e-statement (required with E-checking)
Checks, ATM, Mastercard®, Check Card, Online Banking, Bill Pay, Telephone Banking, Mobile Banking

* Five Star Checking is an interest bearing account and the interest rate and annual percentage yield may change at our discretion after the account is opened. Earn 3.00% APY on your Five Star Checking by having 10 settled and posted debit card point of sale transactions per monthly statement cycle, receive one monthly direct deposit, and receive our monthly statement electronically. If the daily balance is less than $5000 and more than $0.01, the interest rate paid on that portion will be 2.89%. The annual percentage yield for this tier will be 3.00% as of June 1, 2022. If the daily balance is more than $5000, the interest rate paid for that portion of the balance will be 0.05%. The APY for this tier will range from 3.00% to 0.05%.
If all three requirements are not met during the statement cycle, the interest rate paid on any balance will be 0.05% APY. ATM transactions do not count towards the ten required debit card transactions. Any fees could reduce the earnings on this account as it could affect the daily balance. Interest begins to accrue no later than the business day we receive credit for noncash items (for example checks). Interest accrues daily and is paid monthly.

1 An account closed within the first 60 days will be charged a $25.00 fee.
2 Minimum collected balance.
3 Third party fees may apply.

Download Personal Checking Account Brochure

Super NOW

Super Now Interest Bearing Checking Account North Valley Bank

Earn interest on your high balance checking. Click below to learn more!

Download Super NOW Account Brochure

American Blue Money Market

North Valley Bank Money Market Accounts

A cross between a checking account and a savings account, get the best of both worlds with our American Blue Money Market. Click below to learn more!

Download American Blue Money Market Brochure