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.

REGULARVISIONARYGOLDEN
(55+ OLDER TO QUALIFY)
STUDENTSUPER NOWAMERICAN BLUE
(MONEY MARKET)
HEALTH SAVINGS
(FAMILY/SINGLE)
FIVE STAR
Minimum Balance to Open Account1$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00
Interest PaidN/AN/AN/AN/AAccrued Daily; Paid Montly on Collected BalanceN/AAccrued Daily; Paid Montly on Collected BalanceAccrued Daily; Paid Montly on Collected Balance
Interest RateN/AN/AN/AN/ATiered Rate Based Upon Balance;Subject to change at our discretiomTiered Rate Based Upon Balance; Subject to change at our discretiomN/ATiered Rate Based Upon Balance; Subject to change at our discretion
Balance to Aviod Monthly Maintenance Service Charge2$500.00Direct Deposit Required ($6 Fee for no direct deposit)$0.00$500.00$1,000.00$1,000.00$500.00There is no balance to avoid the monthly fee
Monthly Service Charge$6.00N/AN/A$3.00$7.50$10.003$6.00$7.50 if all qualifications are not met.4
Transaction FeesNo ChargeNo ChargeNo ChargeNo ChargeNo ChargeNo ChargeNo ChargeNo Charge
Banking AccessChecks, ATM, Mastercard®, Check Card, Online Banking, Bill Pay, Telephone Banking, Mobile Banking

1 An account closed within the first 60 days will be charged a $25.00 fee.
2 Minimum collected balance.
3 First 6 withdrawls made by auto-transfer, telephone order, or pre-authorized debit are free. Over 6 are $10.00 per item.
4 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

Download Personal Checking Account Brochure

Regular Checking Accounts

Regular Checking Account

Need a cost effective account but don’t have access to direct deposit?

North Valley Bank’s Regular Checking has an affordable monthly maintenance service charge with features and benefits including:

  • Minimum balance of $100.00 to open an account.
  • Check Images included with monthly statements.
  • Free Online Banking
  • Free Telephone Banking
  • Free Bill Pay and E-Statements
  • Overdraft Protection available
  • Free Notary Service
  • Free ATM Transactions at NVB or any MoneyPass® location *
  • Free ATM/MasterCard® Debit Card

If you maintain a minimum collected balance of $500.00 there is no monthly maintenance service charge. Stop into one of our branch locations to allow our friendly staff to assist you today!

* Other banks may charge usage fees at ATM’s not operated by NVB or the MoneyPass® Network.


Visionary Checking

Visionary Checking Work Direct Deposit North Valley Bank

Would you like a checking account with no minimum balance and no monthly service charge?

North Valley Bank’s Visionary Checking account is for individuals who have monthly direct deposit, for example: payroll, social security, alimony or disability. Additional features and benefits of a Visionary Checking account include:

  • Minimum balance of $100.00 to open an account.
  • Free Online Banking
  • Free Telephone Banking
  • Free Bill Pay and E-Statements
  • Overdraft Protection available
  • Free Notary Service
  • Free ATM Transactions at NVB or any MoneyPass® location *
  • Free ATM/MasterCard® Debit Card

If a North Valley Bank Visionary Checking account is perfect for you, come into one of our branch locations today!

* Other banks may charge usage fees at ATM’s not operated by NVB or the MoneyPass® Network.


Golden (Age 55+) Checking

Golden Age Checking North Valley Bank Senior Accounts

Are you 55 or older and want a checking account with no monthly maintenance service charge, no minimum monthly balance and free checks?

North Valley Bank knows there should be advantages for being 55 or older and with a Golden Checking you get more for no additional cost. Here are just some of the features and benefits:

  • Minimum balance of $100.00 to open an account.
  • No Minimum Monthly Balance
  • No Monthly Maintenance Service Charge
  • Free “North Valley Bank” Checks (Limit one box per order)
  • Check Images included with monthly statements.
  • Free Online Banking
  • Free Telephone Banking
  • Free Bill Pay and E-Statements
  • Overdraft Protection available
  • Free Notary Service
  • Free ATM Transactions at NVB or any MoneyPass® locations *
  • Free ATM/MasterCard® Debit Card

If you are 55 or older and want more for less come into one of our branch locations and open a Golden Checking account today!

* Other banks may charge usage fees at ATM’s not operated by NVB or the MoneyPass® Network.


Student Checking

Student Checking Personal Checking Accounts North Valley Bank

Are you actively enrolled in a school, university or college program and would like a basic checking account for minimal fees?

North Valley Bank’s Student Checking account offers a wide range of benefits for today’s college student at a very reasonable cost. Here are just some of the features and benefits of Student Checking account:

  • Minimum balance of $100.00 to open an account
  • Free Online Banking
  • Free Telephone Banking
  • Free Bill Pay and E-Statements
  • Check Images included with monthly statements.
  • Overdraft Protection available
  • Free Notary Service
  • Free ATM Transactions at NVB or any MoneyPass® location *
  • Free ATM/MasterCard® Debit Card

If you maintain a minimum collected balance of $500.00 there is no monthly maintenance service charge. Stop into one of our branch locations to allow our friendly staff to assist you today!

* Other banks may charge usage fees at ATM’s not operated by NVB or the MoneyPass® Network.


Super Now Checking

Super Now Interest Bearing Checking Account North Valley Bank

North Valley Bank’s Super Now Checking is an interest bearing account with low minimum monthly maintenance balance requirements.

You can have the best of both worlds; interest on your account that is accrued daily and all the benefits of a full service account including:

  • Minimum balance of $100.00 to open an account
  • Interest Accrued daily and paid monthly on collected balance
  • Free Online Banking
  • Free Telephone Banking
  • Free Bill Pay and E-Statements
  • Check Images included with monthly statements.
  • Overdraft Protection available
  • Free Notary Service
  • Free ATM Transaction at NVB or any MoneyPass® location *
  • Free ATM/MasterCard® Debit Card

If you maintain a minimum collected balance of $1,000.00 there is no monthly maintenance service charge. Stop into one of our branch locations to allow our friendly staff to assist you today!

View Current Rates

* Other banks may charge usage fees at ATM’s not operated by NVB or the MoneyPass® Network.