Personal Checking Accounts

North Valley Bank Personal Checking Accounts

With us, it’s personal

Checking accounts, we all prefer one, but we are all different. Whether you just want the basics, or prefer an account that lets you avoid monthly fees, we’ve got you covered. Simply choose the checking option that makes sense for your life. It’s your checking, your way.


personal CHECKING. Choose the checking account that's right for you.

REGULARVISIONARYGOLDEN
(55+ OLDER TO QUALIFY)
STUDENTSUPER NOWGenGOLD®AMERICAN BLUE
(MONEY MARKET)
HEALTH SAVINGS
(FAMILY/SINGLE)
FIVE STAR
Minimum Balance to Open Account1$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00$100.00
Interest PaidN/AN/AN/AN/AAccrued Daily; Paid Montly on Collected BalanceN/AAccrued Daily; Paid Montly on Collected BalanceN/AAccrued Daily; Paid Montly on Collected Balance
Interest RateN/AN/AN/AN/ATiered Rate Based Upon Balance;Subject to change at our discretiomN/ATiered Rate Based Upon Balance; Subject to change at our discretiomN/A5.00% APY*
Balance to Aviod Monthly Maintenance Service Charge2$500.00Direct Deposit Required ($6 Fee for no direct deposit)$0.00$500.00$1,000.00$5,000.00 or $10,000.00 combined balance in any NVB Checking and/or Savings Account$1,000.00$500.00There is no balance to avoid the monthly fee
Monthly Service Charge$6.00N/AN/A$3.00$7.50$5.95$10.003$6.00$7.50 if all qualifications are not met.4
Transaction FeesNo ChargeNo ChargeNo ChargeNo ChargeNo ChargeNo ChargeNo ChargeNo ChargeNo Charge
Banking AccessChecks, ATM, Mastercard®, Check Card, Online Banking, Bill Pay, Telephone Banking, Mobile Banking

1 An account closed within the first 60 days will be charged a $25.00 fee.
2 Minimum collected balance.
3 First 6 withdrawls made by auto-transfer, telephone order, or pre-authorized debit are free. Over 6 are $10.00 per item.
4 10 settled and posted debit card point of sale transactions per monthly statement cycle, receive one monthly direct deposit, and receive your monthly statement electronically

* Five Star Checking is an interest bearing account and the interest rate and annual percentage yield may change at our discretion after the account is opened. Earn 5.00% APY on your Five Star Checking by having 10 settled and posted debit card point of sale transactions per monthly statement cycle, receive one monthly direct deposit and receive your monthly statement electronically (e-statements). If the daily balance is less than $5000.01, the interest rate paid on that portion of the balance will be 4.89% when the above listed qualifications are met. The annual percentage yield for this tier will be 5.00% effective (date). If the daily balance is more than $5,000.00 the interest rate paid on that portion of the balance will be 0.05%. The annual percentage yield for this tier will range from 5.00% to 0.05%. If all three requirements are not met during the statement cycle, the interest rate paid on any balance will be .05% APY. ATM transactions do not count towards the ten required debit card transactions. Any fees could reduce the earnings on checking or savings account as it could affect the daily balance. APY is Annual Percentage Yield. Interest begins to accrue no later than the business day we receive credit for noncash items (for example checks). Interest accrues daily and is paid monthly.

Download Personal Checking Account Brochure

Regular Checking Accounts

Regular Checking Account

Need a cost effective account but don’t have access to direct deposit?

North Valley Bank’s Regular Checking has an affordable monthly maintenance service charge with features and benefits including:

  • Minimum balance of $100.00 to open an account.
  • Check Images included with monthly statements.
  • Free Online Banking
  • Free Telephone Banking
  • Free Bill Pay and E-Statements
  • Overdraft Protection available
  • Free Notary Service
  • Free ATM Transactions at NVB or any MoneyPass® location *
  • Free ATM/MasterCard® Debit Card

If you maintain a minimum collected balance of $500.00 there is no monthly maintenance service charge. Stop into one of our branch locations to allow our friendly staff to assist you today!

* Other banks may charge usage fees at ATM’s not operated by NVB or the MoneyPass® Network.


Visionary Checking

Visionary Checking Work Direct Deposit North Valley Bank

Would you like a checking account with no minimum balance and no monthly service charge?

North Valley Bank’s Visionary Checking account is for individuals who have monthly direct deposit, for example: payroll, social security, alimony or disability. Additional features and benefits of a Visionary Checking account include:

  • Minimum balance of $100.00 to open an account.
  • Free Online Banking
  • Free Telephone Banking
  • Free Bill Pay and E-Statements
  • Overdraft Protection available
  • Free Notary Service
  • Free ATM Transactions at NVB or any MoneyPass® location *
  • Free ATM/MasterCard® Debit Card

If a North Valley Bank Visionary Checking account is perfect for you, come into one of our branch locations today!

* Other banks may charge usage fees at ATM’s not operated by NVB or the MoneyPass® Network.


Golden (Age 55+) Checking

Golden Age Checking North Valley Bank Senior Accounts

Are you 55 or older and want a checking account with no monthly maintenance service charge, no minimum monthly balance and free checks?

North Valley Bank knows there should be advantages for being 55 or older and with a Golden Checking you get more for no additional cost. Here are just some of the features and benefits:

  • Minimum balance of $100.00 to open an account.
  • No Minimum Monthly Balance
  • No Monthly Maintenance Service Charge
  • Free “North Valley Bank” Checks (Limit one box per order)
  • Check Images included with monthly statements.
  • Free Online Banking
  • Free Telephone Banking
  • Free Bill Pay and E-Statements
  • Overdraft Protection available
  • Free Notary Service
  • Free ATM Transactions at NVB or any MoneyPass® locations *
  • Free ATM/MasterCard® Debit Card

If you are 55 or older and want more for less come into one of our branch locations and open a Golden Checking account today!

* Other banks may charge usage fees at ATM’s not operated by NVB or the MoneyPass® Network.


Student Checking

Student Checking Personal Checking Accounts North Valley Bank

Are you actively enrolled in a school, university or college program and would like a basic checking account for minimal fees?

North Valley Bank’s Student Checking account offers a wide range of benefits for today’s college student at a very reasonable cost. Here are just some of the features and benefits of Student Checking account:

  • Minimum balance of $100.00 to open an account
  • Free Online Banking
  • Free Telephone Banking
  • Free Bill Pay and E-Statements
  • Check Images included with monthly statements.
  • Overdraft Protection available
  • Free Notary Service
  • Free ATM Transactions at NVB or any MoneyPass® location *
  • Free ATM/MasterCard® Debit Card

If you maintain a minimum collected balance of $500.00 there is no monthly maintenance service charge. Stop into one of our branch locations to allow our friendly staff to assist you today!

* Other banks may charge usage fees at ATM’s not operated by NVB or the MoneyPass® Network.


Super Now Checking

Super Now Interest Bearing Checking Account North Valley Bank

North Valley Bank’s Super Now Checking is an interest bearing account with low minimum monthly maintenance balance requirements.

You can have the best of both worlds; interest on your account that is accrued daily and all the benefits of a full service account including:

  • Minimum balance of $100.00 to open an account
  • Interest Accrued daily and paid monthly on collected balance
  • Free Online Banking
  • Free Telephone Banking
  • Free Bill Pay and E-Statements
  • Check Images included with monthly statements.
  • Overdraft Protection available
  • Free Notary Service
  • Free ATM Transaction at NVB or any MoneyPass® location *
  • Free ATM/MasterCard® Debit Card

If you maintain a minimum collected balance of $1,000.00 there is no monthly maintenance service charge. Stop into one of our branch locations to allow our friendly staff to assist you today!

View Current Rates

* Other banks may charge usage fees at ATM’s not operated by NVB or the MoneyPass® Network.


GenGold® Checking

Gen Gold Trip Travel Checking North Valley Bank

Save money on your Summer Vacation.

GenGold® can save you money when planning your next vacation with discounts on airfare, hotels, car rental, cruises and even Theme Park admission. Whatever your dream vacation, your GenGold® Checking Account can help you make the most of your money.

Try GenGold, FREE for the first 90 Days!

Existing GenGold® Members click here to Activate

The checking account that saves you money with discounts and rebates on travel, dining, shopping, entertainment, groceries and much more! Here are some additional features and benefits:

Features

  • Minimum balance of $100.00 to open an account
  • Free “NVB GenGold Member” checks (limit per order)
  • Free ATM/MasterCard® Debit Card
  • Free Online Banking
  • Free Telephone Banking
  • Free Bill Pay and E-Statements
  • Free ATM Transactions at NVB or any MoneyPass® location*
  • Free Notary Service
  • Check Images included with monthly statements.
  • Overdraft Protection available
  • Special Consumer Loan rates** (on select loans)

* Other banks may charge usage fees at ATM’s not operated by NVB or the MoneyPass® Network.** Subject to credit approval.

Family Benefits

  • Internet Grocer Coupon Club
  • Movie Ticket and Rental Discounts
  • National Restaurant & Retailer Discounts
  • 24-Hour Emergency Roadside Assistance*
  • Group Dental Plan*
  • Pet Health Insurance*
  • And much more

*Additional fee applies. See website for complete program details. **Up to $6.00 per Statement Cycle

Identity Theft Protection & Security Center

  • Set Fraud Alerts
  • Reduce Junk Mail
  • Order Free Credit Reports
  • Organize Personal Information
  • Activate Identity Theft Restoration Service

Cash Back Rewards

  • Earn up to 33% Cash Back at national online retailers
  • Cash Back awards accumulate in an online reward account
  • It’s simple and automatic every time you use your Debit Card at participating online retailers

Travel Discounts

  • Domestic and International Airline Tickets
  • Hotel and Car Rentals
  • Cruises
  • Theme Park Admissions

Health Services

  • Prescription Discounts
  • Vision Care/Product Discounts

GenGold® Checking Benefits

  • No minimum balance
  • Free “NVB GenGold® Member” checks (traditional gold wallet style checks- maximum 240 per yr.)
  • Free Debit / ATM Card
  • Free Online Bill Pay
  • Free E-Statements
  • Free ATM Transactions* (thru Money Pass Network)
  • Free Direct Deposit (if selected)
  • Free Notary Services
  • Special CD Rates (on select CD’s under $100,000. )
  • Special Consumer Loan Rates** (on select loans)
  • Waived for customers maintaining a minimum balance of $5,000.00 in any personal NVB checking account or $10,000.00 in any NVB personal checking account and/or NVB personal statement savings account. A monthly fee of $5.95 will apply if requirements are not met.

*Other banks may charge usage fees at ATM’s not operated by NVB or the Money Pass Network **Subject to credit approval

Gen GoldThere’s no monthly maintenance service charge if you maintain a $5000.00 minimum collected balance in your GenGold® Checking or a $10,000.00 combined minimum collected balance in any NVB personal checking and/or NVB personal statement savings. To begin enjoying these exciting benefits, simply stop in the branch nearest you to open an account today!
View Bank Locations


GenGold® Local Businesses

Visit one of these local businesses to save EVEN MORE with your GenGold® Checking Account.

A-1 Towing 1351 Coopermill Road Zanesville

$10.00 off any current towing service.

Allegra Print & Image 1326 Brandywine Blvd Zanesville Buy one, get on free on business cards, letterhead and/or envelopes.
B & W Landscaping 3335 Columbus Street Stockport 10% monthly discount.
Buffalo Wild Wings 1352 Brandywine Blvd.  Zanesville 10% discount on guest bill.
Chatterbox Tavern 35 Kennebec Ave Zanesville 10% discount on dine-in only Monday-Thursday, not valid on alcohol purchases.
Crystal Springs Golf Club 745 Hopewell Road Zanesville 10% discount on golf.
Cut It Out Scrapbook 35 Main Street McConnelsville 10% discount on a purchase of $20 or more, not valid with any other offer.
Darby-Land 17 Main Street  Glouster Buy one key, get one free.
Deano's Pizza 52 N Seventh Street McConnelsville 10% discount on any purchase, specials excluded.
Farley's Fishing & Hunting 85 Front Street  Malta 20% discount on any purchse, excluding ODNR and alcohol transactions.
Honey Baked Ham 2579 Maple Avenue Zanesville 10% Off Boxed Lunches.
K & M Photography 268 E. Liberty Ave.      McConnelsville 10% discount on total print package and setting fee.
Maxwell's Hunting & Fishing 170 W Main Street McConnelsville  $3.00 off rod and reel combo.
McInturf-Fulmer Insurance Group 1100 Brandywine Blvd. Building F Zanesville Free Squiggly’ s exterior car wash with any insurance quote.
Muskingum Recreation Center 1425 Newark Road Zanesville Free Initiation, value $100.00
MX MotorSports  1347 Coopermill Road  Zanesville 10% discount on parts and accessories.
Paradise Nails & Tanning 141 E Main Street  McConnelsville  10% discount on nail service.
Pirate's Pizza 78 Front Street  Malta 10% discount on regular purchase, excluding specials.
R-R Disposal LLC     2689 N. St. Rt. 83 Beverly First month of service free.
Preferred Inspection Services 1964 Newark Road Zanesville $20.00 Off of a Home Inspection Service.
Rich's Construction  695 Shrivers Road  Stockport 10% discount on metal roofing.
River Valley Lanes 900 Riverside Drive  McConnelsville  Bowl 3 games and shoes free.
Taylor's Dari Whip 531 Main Street Malta 20% senior discount on Tuesday's.
The Depot Restaurant 18 East 9th Street Dresden 10% Off Entire Check, including drinks.
The Pedicure Place 801 High Street Malta  $1.00 off pedicure.
Rittberger Meats     1990 Lutz Lane Zanesville 10% discount on regularly retail price.
Seals Flowers & Gifts 218 N. Main Street     New Lexington 20% discount on any cash and carry purchase.
Shrivers Pharmacy  McConnelsville, New Lexington, Zanesville & Nelsonville 10% discount on OTC (excluding: lottery, tobacco, prescriptions, western union and utility payments).
Short Generators Plus 490 N. 8th Street     McConnelsville 10% discount on automatic standby generators.
Studio Blu 3931 Northpointe Drive Zanesville 10% off Retail Purchases
Supreme Janitorial Service 490 N. 8th Street McConnelsville 10% discount on first month service.
The Smile Shack 3839 James Court  Zanesville Free X-Rays with a Regular Cleaning & Exam; $100 off Zoom Whitening
TW Spears Plumbing & Excavating 2813 W Poplar Ridge Rd  Malta 5% discount on any service, repair or new plumbing material and excavating hauling.
Ultra Clean 333 E. Main Street Shawnee 10% discount on total bill.
WW Tavern 205 W Main Street McConnelsville  25 cents off any purchase.
Zanesville Jaycees Golf Club 2710 Jackson Road Zanesville 10% Off a Round of Golf Monday-Friday Only.

Contact your nearest branch today to see how your business can participate!