Completely FREE Checking*
…A FREE account for everyone!

Account Features and Benefits

• No minimum balance

• No monthly service charge

• No per check charge

• Unlimited check writing

• Easy-to-balance monthly statement

• Return of check images for easy record keeping

• FREE VISA® Check Card

• FREE Online Banking and FREE Bill Pay

*Customer purchases checks. Offer good on personal accounts only; business and corporate accounts do not qualify for these plans. Bank rules and regulations apply. Minimum opening deposit is only $50. Ask us for details.

Terms and Conditions of Your Deposit Account
Electronic Fund Transfers -- Your Rights and Responsibilities
Funds Availability Disclosure
Truth-in-Savings Disclosure
Personal Banking Fee Schedule

Valley Savings Bank is participating in the FDIC's Transaction Account Guarantee Program.  Under that program, through December 31, 2009, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account.  Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.

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