Business Accounts

At Valley First Community Bank, we offer you true relationship banking, and the resources to find the right solutions for your financial needs. You will find what you need, when you need it -- truly a unique community bank.

Business Accounts

Business Loans

Freedom Business Checking

Minimum Balance Requirements:
An opening deposit of $500 is required. There is no minimum balance required.

Fees:

No monthly maintenance fee
No fee for checks and debits
No fee for deposits and deposited items
Miscellaneous fees may apply

Product Information:
Free business checking account suitable for any size business. Unlimited checks and debits. Unlimited deposits and deposited items.

Regular Business Checking

Minimum Balance Requirements:
An opening deposit of $500 is required.

Fees:

$8 monthly per statement cycle
$0.12 per paid item
$0.35 per deposit
$0.06 per deposited item

Product Information:
Economical, convenient account for your business, regardless of your business size. This account has an earnings credit based on the monthly average collected balance. Earnings credit can change monthly based on the 90 day T-Bill Rate listed in the Wall Street Journal.

Business NOW

Minimum Balance Requirements:
An opening deposit of $500 is required.

Fees:

$8 monthly per statement cycle
$0.12 per paid item
$0.35 per deposit
$0.06 per deposited check

Product Information:
Economical, convenient interest bearing account for sole proprietorships, non profit organizations and other qualified entities. Rate is subject to change.

Business Money Market

Minimum Balance Requirements:
An opening deposit of $2,500 is required. A minimum balance of $2,500 required to avoid a service charge.

Fees:

$10 monthly fee if daily balance falls below the minimum per statement cycle
$10 for each paid item in excess of 6 per statement cycle²

Product Information:
An interest bearing account that allows easy access to your funds. Limit of 3 written checks per statement cycle.²

Business Loans

Commercial Term Loans to purchase or refinance real estate or equipment, provide long-term working capital or simply consolidate business loans.
Commercial Lines of Credit to leverage accounts receivable and provide short-term working capital needs.
Construction Lines of Credit for owner-occupied properties, "sold" builder jobs, and occasionally builder "spec" properties.
Lease Financing for a variety of lease types including Operating, Capital and TRAC Leases (titled vehicles). Leases can be structured with ownership of the asset passed to you at lease expiration or you may simply return the equipment with no additional cost. For more information click Leasing Services.
Corporate Credit Cards - through our business partnership with Elan Financial Services, we offer Business credit cards lines that provide convenience for your key employees as well as control for you with a multitude of valuable reports on a monthly and annual basis.

¹Product features and service charges are subject to change. Please refer to the Account Disclosure Statement provided at the time of account opening.
² Federal regulations limit the number of transfers and withdrawals to six (6) per month, including only three (3) Money Market checks. Transfers and withdrawals made in person, by mail, by courier service or via ATM are unlimited.