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Totally Free Checking

Check us out for value.

When you open a checking account, you expect great service, dependability and value. At Valley Bank, that's what you'll get. Our Totally Free Checking accounts really are free - free of strings like minimum balances or hidden weekly, monthly or annual fees. We also have three great interest-bearing personal accounts to suit your individual needs. Plus, for those larger businesses with higher account activity we have a solution for you- Business Analysis Checking.

When you open your new account, you’ll get something else: a free gift to say ‘Thank You.’  We’ll also buy back your old checks and debit card from another financial institution, and apply up to a $25 credit to your new account.

Account Details

Totally Free Personal Checking 

  • No minimum balance 
  • No monthly service charge
  • Unlimited check writing
  • Non-Interest bearing account
  • Customer purchases checks
  • Fee schedule

Totally Free Business Checking

  • No minimum balance 
  • No Monthly Service Charge
  • 3,000 items per month – includes debits, credits and deposited items
  • If account items exceed 3000 per month, the account may be changed to another account type.
  • Up to 10,000 in coin and currency deposits or withdrawals, including change orders per month FREE.
  • Fee Schedule

Every new personal checking account includes:

  • FREE Standard VISA® Debit Card
  • FREE Online Banking & Bill Pay
  • FREE Mobile Banking with Mobile Check Deposit
  • FREE eStatements with online check images
  • FREE Check Images with statements
  • FREE Thank you gift
  • Buy back of your unused checks and debit cards from another financial institution

Additional Account Types:

Easy Interest Personal Checking

A variable interest rate account that earns competitive interest and has no minimum balance or monthly service charge after you open it.

50+ Interest Personal Checking

A variable rate account that earns competitive interest, for those 50 and wiser—with no minimum balance after account opening, and no monthly service charge!

Premier Interest Personal Checking

Looking to earn more? Simply maintain a balance of $1,500 or more to earn a higher variable interest rate. You will still earn a competitive rate even if your balance falls below $1,500.

Business Analysis Checking

For the larger businesses with higher account activity. 

Get started today!

*Other fees such as overdraft, continuous overdraft, etc. may apply.  See fee schedule for details. Unless specified otherwise customer purchases checks. If the Totally Free Business account or Business Interest account exceed 3,000 free monthly transactions, $10,000 in monthly coin & currency deposits/withdrawals (including change orders) or requires additional regulatory oversight, the account may be converted to Business Analysis Checking, which includes additional fees. $25 for checks and debit cards from another financial institution.  Your account will be credited at the time the checks/debit cards are presented.  Free gift provided at the time of account opening. Ask us for details.  Bank rules and regulations apply.
Proudly serving the communities of Helena, East Helena, Montana City, Clancy, Wolf Creek, Boulder, Marysville, Butte, and Anaconda areas.