Commercial Banking

Checking Accounts

*Commercial Quality Checking:  We all know that every penny needs to count when it   comes to running your small business.  That is why we created the Commercial Quality Checking.   We offer up to 60 transactions per statement cycle, no service charge if the balance remains at $1,000 or above, a debit card at no additional cost and QuickBooks!


*Commercial Checking: For our larger commercial customers, we offer our Commercial Checking.  This account has a bonus…an earnings credit!  This is interest that is earned based on your statement balance.  We use it to offset your service charge so the higher your statement balance is, the better it is for you! 


*Now Account: Wouldn’t it be great to be able to earn interest on a small balance checking account?  Well we have great news!  The Now Account offers interest paid on balances greater  than $1,000.00, unlimited check writing and a debit card at no additional cost!  Keeping your balance above $1,000.00 will eliminate your monthly service charge.  (Limitations: All organizations that are operated for profit are not eligible to maintain NOW accounts at depository institutions.)


Night Deposit Service is offered to all business customers upon key request



*Lines of Credit: The uses for your Business Line of Credit are many.  Cash for short-term needs, seasonal inventory or small equipment purchases are just to name a few!

*Commercial  Loans: With flexible terms, fast decision process, and affordable rates, you are sure to have your business needs met with a Commercial loan from Valley State Bank!

                                *Agriculture Loans:

                                *Commercial Real Estate:


                ACH Services

                                ACH Services is the ability to make payments and collect funds electronically through

                                the National ACH Network.  Typical ACH services include:

                                *Direct Deposit Payroll:  The days of spending a large amount of time writing or printing               

                                  checks for payroll are over!  Take advantage of Direct Deposit Payroll and let your

                                  employees  get their payroll deposited directly to their bank account.

                                *Monthly Payments

                                *Monthly Payment Collections

                                *Federal and State tax payments


                Merchant Services




                Business Online Banking

Safe Deposit Boxes

Some things just can’t be replaced. So protect those valuables or important documents in our safe deposit boxes. Just visit the Main Office or the Downtown branch to choose from a variety of sizes to suit your business needs. For your convenience, safe deposit box fees can be automatically drafted from your Valley State Bank account.

Please contact us for availability and pricing.