Personal Checking

Privilege Checking

Do you have a Direct Deposit? If so, this account is for you! With no monthly service charge, a debit card at no additional cost, Online Banking/Billpay, and unlimited transactions, you can’t go wrong! Qualifying deposits may include salary, pension, Social Security, Supplemental Security Income (SSI) benefits, and other regularly deposited income.

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, Online Banking/Billpay, 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! This account also offers unlimited transactions, Online Banking/Billpay, and a debit card at no additional cost! 5

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, Online Banking/Billpay, and unlimited transactions. Sign up for yours today!

Now Checking Account

Wouldn’t it be great to be able to earn interest on a small balance checking account? We have great news! The Valley State Bank Now Account offers interest paid on balances as low as $1,000.00! You can also enjoy unlimited check writing, Online Banking/Billpay, and a debit card at no additional cost! Also, keeping your balance above $1,000.001 will eliminate your monthly service charge!2

Valley Plus Account

Our Valley Plus Account is the best if you are looking to earn interest on your higher balance checking account!1 This account offers no monthly service charge on accounts with a minimum balance of $2,5003 and earns interest on balances of $10,000 and greater!4 Don't forget to manage your account with Valley State Bank's Online Banking/Billpay!

Get Started Today!

Give us a call at 256-332-3600 or stop by the bank to meet with a member of our team.

Valley State Bank
15565 Hwy 43
Russellville, AL 35653

Valley State Bank
527 4th Ave SE
Red Bay, AL 35582

1 Interest is calculated using the daily balance method. This method applies a daily periodic rate to the principal in the account each day.

2 If the balance falls below $1,000 on any day during the statement cycle, the fee will be $9.00 per statement cycle.

3 The minimum deposit to open the account is $10,000.00. If the account balance falls below $2,500.00 during the statement cycle, the fee is $12.00 per statement cycle.

4 This account pays a percentage of prime based on the balance in the account.

5 Balances below $500 but greater than $400 on any day in the cycle will receive a $3.00 per month service charge, balances below $400 but greater than $200 on any day in the cycle will receive a $6.00 per month service charge and balances below $200 on any day in the cycle will receive a $7.00 per month service charge.

You Can Count On Us!