Personal Banking Solutions

Checking Accounts

*Privilege Checking: Do you have Direct Deposit?  If so, this account is for you!  With no monthly service charge, a debit card at no additional cost, and unlimited transactions, you can’t go wrong! 


*Classic Checking:  This account is for our customers that are aged to perfection!  For those of you that are 62 and older, you can enjoy the benefits of no monthly service charge, a debit card at no additional cost, unlimited transactions, and free club checks!


*Personal Checking: Even if you can’t take advantage of Direct Deposit, we have an account for you!  Just keep your balance above $500.00 for the entire statement cycle, and you won’t have a monthly service charge!  You can also take advantage of unlimited transactions and a debit card at no additional cost.


*Money Miser Checking: We all know that being a student can be expensive.  That’s why we want to do our part to help you on your education journey!  With Valley State Bank’s Money Miser Checking, you can take advantage of no monthly service charge, a debit card at no additional cost, and unlimited transactions. 


*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!  Plus, keeping your balance above $1,000.00 will eliminate your monthly service charge. 


*Valley Plus Account:  Our Valley Plus Account is the best if you are looking to earn interest on your higher balance checking account that has minimal debit activity.  This account offers no monthly service charge on accounts with a minimum balance of $2,500.00, earns interest on balances of $10,000 and greater, and has a limit of 6 debit transactions per month.



                Savings Accounts

*Statement Savings: With just $25.00 you can start your savings journey! With a Statement Savings, your interest will be compounded quarterly, you will receive quarterly statements, and no service charge if you stay within the 6 withdrawal, per quarter, limit.  After 6 withdrawals there will be a $1.00 charge per withdrawal until the start of a new quarter.  Interest rates are variable.


*Christmas Club: Ho! Ho! Ho!  Even Santa needs a little financial cushion every now and then!  With the Christmas Club Savings, you can save all year for Christmas by making weekly, bi-weekly, or monthly deposits.   For added convenience to you, these deposits can be made through automatic transfer from your other accounts or even payroll deductions, if your employer participates.  Interest rates are variable.


Time Deposits

*Certificates of Deposit (CD): This is a great way to let your money work for you!  All it takes to get started is $500.00!  We offer CDs with various terms and competitive rates.  Please call us at 256-332-3600 for our current rates and offers.


*Individual Retirement Accounts (IRA): Looking to save for your golden years?  We offer Traditional IRAs, Roth IRAs and SEP IRAs. Please contact us at 256-332-3600 for our current rates.

-Traditional IRAs allow qualifying individuals to contribute funds on a tax-deferred basis.

-Roth IRAs offer tax-free growth and tax-free withdrawals in retirement.

-SEP-IRAs allow employers to contribute to traditional IRAs (SEP-IRAs) set up for employees. A business of any size, even self-employed, can establish a SEP.





Personal Online Banking 

If you are looking for a faster, more convenient way to do banking, let us tell you about Online Banking!  You can make transfers from one VSB account to another VSB account, pay bills, and get your account history and never leave the couch!  What are you waiting for?  Logon today!

We need to put a link here to enroll in online banking


                Valley State Bank Money Debit Card

With a VSB Debit Card, you can take full advantage of that online sale, make purchases where checks are not accepted, plus have access to cash 24 hours a day through any ATM! 

Protect Your Debit Card with the Guardian.

The Guardian is an anti-fraud notification service that sends text alerts directly to your mobile phone or other SMS-enabled device. When certain debit card transactions take place, this added layer of security alerts you to possible fraudulent use of your card.

If you receive a text about a transaction you think is fraudulent, you can reply immediately and your card will be blocked from further activity. The text alert will also describe how to respond in order to stop the current transaction right from your mobile device.

This free service will send you a text alert for all of your enrolled Valley State Bank Visa debit or ATM cards, if any of the following events/transactions occur:

·         Authorizations over $500

·         Five or more authorizations in 24 hours

·         Transactions where the card not present

·         Declined Authorizations - text message will be sent for all declined authorizations.

·         Out of town transactions

·         Declined transactions

Sign up today to guard yourself against debit card fraud:



You are responsible for any text messaging fees from your carrier (not from Valley State Bank), and carrier message and data rates may apply. Please visit to ensure that your mobile carrier is compatible with the Valley State Bank Card Guardian service.


Travel Notifications

If you're traveling outside of your immediate area and plan to use your Valley State Bank debit card during your trip, please notify us before you depart. To notify Valley State Bank of an upcoming trip, please send us a secure message via online banking or call our Customer Service Department at 256-332-3600.

·         When notifying us about international travel, it's important to include a list of the specific countries you will be visiting where you may need to use your card. Remember to include places where you have a flight layover in case you need to make a purchase at the airport.

·         Keep our customer service phone number handy in case your card is lost or stolen. During business hours, you can call 256-332-3600.

·         Our debit cards have daily limits for cash withdrawals and purchases. Contact us if you wish to make any changes to these limits before you go.

·         Make sure we have your current contact information in case we need to contact you.


At Valley State Bank, we’re here to provide you with financial solutions for all your borrowing needs. Whether you are looking for a Personal Loan, Business Loan, Mortgage or Line of Credit, our knowledgeable and experienced lending team will explain our lending process to you in a straightforward manner.

Since our “decision-makers” work in the bank each day, they’ll review your loan application and respond quickly. Our goal is to make getting a loan an easy and stress-free process!


Personal Loans: Whether you need a new lawn mower or want a recreational vehicle, we have a personal loan that is for you!


CD Secured Loans: This is just another way to make your money work for you!  By securing your loan with a CD, you can get a much lower rate, therefore, saving you money!


Auto Loans: Do you have your eye on a new or used car?  We can put you behind the wheel in no time with an Auto Loan from Valley State Bank!


Home: The real estate market can be a dynamic and challenging industry. When you combine this with the fact that buying a new home is frequently the largest purchase many people will make in their lifetime, it can become stressful.  We are here to help!


With a wide variety of mortgage loan options, you are sure to find a loan that is a perfect fit for you and your family.


HELOC: If you have equity in your home and need money, a Valley State Bank Home Equity Line Of Credit may be the solution for you.  You can use your HELOC to pay college tuition, replace your roof or remodel your kitchen.  The uses for your HELOC are endless!

If you’re in the market for a loan, we encourage you to give us a call or stop by the bank to meet with our lending team.  We can’t wait to see you!

                Credit Cards

                Safe Deposit Boxes

Some things just can’t be replaced. So protect those valuables or important documents in our safe deposit boxes. Just visit our Main Office or Downtown Branch to choose from a variety of sizes to suit your individual 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.

                Wire Service

                       Here!                                 There!                       Anywhere!

Transfer money to any bank in the United States, or even abroad, with a wire transfer!   

It’s FAST!         It’s SECURE!          It’s DEPENDABLE!       It’s INEXPENSIVE!


$15.00 for wires within the United States

$35.00 for International wires