VALLEY FREE CHECKING*
 No minimum balance
 No monthly service charge
 No per check charge
 Unlimited check writing

REGULAR CHECKING*
 Debit card available
 $300.00 minimum daily or $1000.00 minimum average monthly balance to avoid a $3.00 monthly service charge and $.20 per check
 Free check images available
 First box of checks free

FLAT RATE CHECKING*
 Debit card available
 $5.00 per month service charge
 No per check charge
 Free check images available
 First box of checks free

PACKAGE CHECKING*
 No minimum balance
 No monthly service charge
 No per check charge
 Debit card available
 Overdraft protection available
 Must qualify for Valley Bank credit product to be eligible
 Free check images available
 First box of checks free

NOW 1 CHECKING*
 Earn interest on every dollar (click here for current rates)
 No monthly service charges unless account balance is below $750; then $5.00
 No per check charge unless account balance is below $750; then $.20 per check
 Debit card available
 Overdraft protection available
 Free check images available
 First box of checks free

MONEY MARKET CHECKING*
 Earn higher rate of interest on every dollar (click here for current rates)
 No monthly service charges unless account balance is below $2,500; then $7.50
 No per check charge unless account balance is below $2,500; then $.20 per check
 Transaction limitations apply, please ask for details.
 Free check images available
 First box of checks free

GOLDEN VALLEY CHECKING*
 For customers 55 and older
 No minimum balance
 No monthly service charge
 No per check charge
 Debit card available
 Overdraft protection available
 $10.00 off safe deposit box
 Free check images available
 First box of checks free