Personal Checking Accounts

We have an account that's right for you!

• Positively Free Checking
  A free account for everyone!
  
• 50+ Free Interest Checking
  Interest-earning, no-cost checking for customers as young as 50 years and up!
  
• VIP Free Interest Checking
  Free checking with the convenience of direct deposit or any automatic payment!
  
• Wall Street Checking
  For those interested in higher interest!

Stop in today and we'll help you select the account that's just right for you. You can also view the Checking Account Comparison Grid to help you choose!

Positively Free Checking*

• No minimum balance
• No monthly service charge
• No per-check charge
• Unlimited checkwriting
• ATM/Debit card available with no annual fee
• Courtesy Overdraft Privilege
  (For fees and details click here.)
• Convenient Switch Kit
• Monthly statement with check images for easy record keeping
• Free online banking and bill pay
• We'll buy back your debit cards and unused checks - up to $25!
• Free gift!

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50+ Free Interest Checking*

Interest-earning, no-cost checking for customers as young as
50 years and up.

• Earn competitive interest
• No monthly service charge
• No minimum balance
• No per-check charge
• Unlimited checkwriting
• ATM/Debit card available with no annual fee
• Courtesy Overdraft Privilege
  (For fees and details click here.)
• Convenient Switch Kit
• Monthly statement with check images for easy record keeping
• Free online banking and bill pay
• We'll buy back your debit cards and unused checks - up to $25!
• Free gift!

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VIP Free Interest Checking*

Here’s a special advantage for those with any automatic NVB loan payment, or Direct Deposit of payroll, Social Security or recurring government checks. Click here, to find out how you can sign up for GoDirect to have your Social Security and government checks deposited directly to your NVB checking account.

• Earn competitive interest
• No monthly service charge
• No minimum balance
• No per-check charge
• Unlimited checkwriting
• ATM/Debit card available with no annual fee
• Courtesy Overdraft Privilege
  (For fees and details click here.)
• Convenient Switch Kit
• Monthly statement with check images for easy record keeping
• Free online banking and bill pay
• We'll buy back your debit cards and unused checks - up to $25!
• Free gift!

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Wall Street Checking*

Earn premium interest on your checking funds with higher balances. Lower balances earn interest, too!

• Earn higher interest on balances of $2,500 or more
• Competitive interest on balances below $2,500
• Monthly minimum balance service charge of only $8.00 if the daily balance drops below $1,000 any day of the month.
• No per-check charge
• Unlimited checkwriting
• ATM/Debit card available with no annual fee
• Courtesy Overdraft Privilege
  (For fees and details click here.)
• Convenient Switch Kit 
• Monthly statement with check images for easy record keeping
• Free online banking and bill pay
• We'll buy back your debit cards and unused checks - up to $25!
• Free gift!

*Customer purchases checks. Bank rules and regulations apply. Minimum opening deposit is only $50.00.

Tell-A-Friend

When you tell a friend about North Valley Bank's checking accounts and they open a new personal or business checking account with us, you qualify for a free gift!  Click here to learn more about our "Tell-a-Friend" program.

We'll Buy Back Your Unused Checks!

Do you still have plenty of checks left from your current account at another bank? No problem! Bring us your unused checks and debit cards. We’ll pay you up to $25 for your debit cards and unused checks from your current checking account ($2 per card or pad). Download and print this coupon and bring it with you to open your account.

Reorder Checks

A simple and convenient way to re-order checks. 

Visa Debit Card

With a North Valley Bank Visa Debit Card you can bank where it’s convenient for you! It’s safer than carrying cash, and faster than writing a check. Your Visa Debit Card is accepted at millions of merchant locations that accept Visa AND at thousands of ATMs worldwide. Purchase amounts are automatically deducted from your checking account, and all transactions are detailed on your monthly checking account statement to keep your record keeping simple.

Additional Services Available for your Visa Debit Card:

• Withdraw cash from any ATM displaying the Star System or Cirrus logos.
• Make deposits at North Valley Bank owned ATMS. Click here for locations.
• Transfer money between your NVB checking and savings accounts at our ATMS. Click here for locations.
• And More!

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Convenient Locations

We want to be your bank, and switching is easy! We have a location right in your neighborhood.