SERVICES

Deposit Accounts:

Loans:

Additional Services:

 

 

 

 

 

 

 

 

 

 

 

 

 
 

Interst Bearing Checking Accounts:

Your interest rate and annual percentage yield may change weekly.  Interest compounded and credited monthly.  Please call us at (304) 637-2265 for current rates.  Minimum balance to open account is $1,000, which must be maintained each day to obtain the annual percentage yield.  Service charge fee of $10.00 imposed every statement cycle if balance in account falls below $1,000 any day of the cycle.

 

Money Market Deposit Accounts:

Your interest rate and annual percentage yield may change weekly.  Please call  us at (304) 637-2265 for current rates.  Minimum balance to open account is $1,000, which must be maintained each day to obtain the annual percentage yield.  A service charge fee of $8.00 will be imposed if the account balance fall below the $1,000 minimum any day of the statement cycle. 

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Super Senior Account:

For customers 62 or older.  Your interest rate and annual percentage yield may change weekly.  Please call us at (304) 637-2265 for current rates.  You must maintain a minimum balance of $500 in the account each day to obtain the annual percentage yield.

 

Affordable Checking:

A service charge fee of $5.00 will be imposed monthly only if the average daily balance for the month falls below $300.00 and you have over 14 debits to your account.

 

MVP Club Checking:

A service charge fee is imposed each month for club benefits.  Please contact us at (304) 637-2265 for additional information.

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Christmas Club:

Minimum deposit of at least $2.00 is required to open account.  Interest rate and annual percentage yield will not change and will be in effect until account matures at which time interest will be credited.

Passbook Savings Accounts:

Interest rate and annual percentage yield may change weekly.  No minimum deposit required.  Interest compounded and credited to account quarterly.  Please contact us at (304) 637-2265 for current rates.

 

Certificates of Deposit:

Interest rate and annual percentage yield at purchase may be compounded quarterly until maturity of original deposit.  Please contact us at (304) 637-2265 for current rates.

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Individual Retirement Accounts:

Interest rate and annual percentage yield at purchase may be compounded quarterly until maturity of original deposit.  Please contact us at (304) 637-2265 for current rates.

 

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Consumer Loans:

Consumer loans are available for financing of personal needs.

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Commercial Loans:

Commercial loans are available.  Terms and financing criteria are based on type of business needs.

 

First Time Homeowners' Program:

We have developed a specific program for the first time homebuyer, which includes:

  • Rates and terms to fit individual needs
  • No loan origination fee
  • Not limited to new houses

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Home Mortgage Loans:

We offer a mortgage loan program, which includes longer terms with an adjustable rate.

 

Home Improvement Loans:

Loans for any type of home improvement needs.

 

 

Auto, Truck and RV Loans:

Loans for new and used vehicles are available.

 

Community Development Loans:

We are committed to the development of the communities in which we live and work and strive to be involved in all facets of their development.

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Agricultural Loans:

Farming is an important industry in the area we serve, and we strive to be involved in this process.

 

 

Industrial Loans

Industrial Loans are available.  Terms and financing criteria are based on type of business needs.

 

Small Business Administration Loans:

We work closely with the Small Business Administration to aid in the start-up and continuation of business financing.

 

For additional information, please contact a loan officer at our main office in Elkins at (304) 637-2265, in Parsons (304) 478-2461, at Chenoweth Creek in Elkins at (304) 636-7801 or in Mill Creek at (304) 335-2222.

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ATM Cards:

No fee for our customers.
Lost ATM card replacement $15.00

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Cashiers Checks:

Customer  -- $6.00 Fee

Non-customer -- $12.00 Fee

 

Money Orders:

Customer -- $4.00 Fee

Non-Customer --$6.00 Fee

 

Wire Transfers:

Fee for outgoing wire transfer is $20.00 for customers and $30.00 for non-customers.  Fee for incoming wire not deposited with MVB is $8.00.

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Direct Deposit:

Direct deposit available for state, federal and private payroll and retirement funds.  No fee.

 

The Mountain Valley Bank Visa Check Card:

It's so easy to use!  For cash from the ATM and everday purchases.  To order by mail, phone or on-line and to pay regular monthly bills.

Two easy ways to pay:  present your card and sign the receipt or swipe your card and enter your PIN.

Either way, the transaction amount is always deducted from your Mountain Valley Bank checking account.  Purchases are itemized on your monthly account statement.

Stop at any Mountain Valley Bank location to apply for your Visa Check Card.

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E-Z Access Account Line:

TOLL FREE: 1-877-925-2265

A free direct line to information on your checking, savings, certificates of deposit, and loans and to transfer funds between your accounts.

Anytime...Day or Night!

 

 

Safe Deposit Boxes:

Safe deposit boxes are available at all four locations.

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Internet Banking:

Make life easier with our free Internet banking.  You can bank at your convenience with access available at any time for you to manage your checking and savings accounts, Christmas Club accounts, loans, CDs and IRAs.  View copies of your checks and deposits online and transfer funds between accounts.  Send secure messages to the bank.

Online Bill Payment:

This free service can provide you with the flexibility to pay your bills, at anytime, anywhere, which gives you greater control over your finances. Schedule bills to pay on the due date and your funds will be debited from your account that day.

 

View your payment history.  Download account information into QuickBooks® Web Connect®, etc. 

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NOTICE: Mountain Valley Bank, N.A. - All Rights Reserved. The website of Mountain Valley Bank contains links and features that are provided to our customers from outside sources. We are not responsible for and have no control over the content or subject matter of these links, however it is our sole intent to provide only good information that our customers can find useful or entertaining. Please read our Privacy Policy and Disclosures. Complete regulatory disclosures containing all terms, features and limitations are available at any branch location or can be obtained by telephone request by calling 304-637-2265.