Business - Checking

North Valley Bank's business checking accounts have options to serve from small to large businesses alike.  Our added features save you time and money.

To compare our offerings, download our
Business Checking Account Comparison Grid.

• Commercial Checking 
• Enterprise Checking 
• Simple Interest Business Checking 
• Positively Free Business Checking 
• Membership Banking 
• Visa Debit Card 

Commercial Checking*†

For the larger and more complex business with more transactions, you can offset monthly fees with your daily collected balance.

• $12 monthly maintenance fee†
• No minimum balance
• Unlimited checkwriting
• Monthly statement with check images for easy record keeping
• CashManager with no monthly service fee**
• Free Business Check "Intro Pack"
• ATM/Debit card included
• We'll buy back your debit cards and unused checks - up to $50

Business Money Market available for higher balances

Commercial Checking Fee Schedule:

• Account Maintenance Fee $12 per month†
• Remote Deposit Manager $50 per license per month
• Checks Deposited $.07 each
• Currency/Cash Deposited $1.20 per $1,000
• Currency/Cash Provided $.12 per $100
• Checks Paid Against Account $.10 each
• Positive Pay: 

                 $40 per month (1-3 accounts)
                 $75 per month (4-10 accounts)
                 $100 per month (10+ accounts)

†Accounts with a high volume of activity are subject to analysis. The service charge consists of an account maintenance fee plus additional charges for specific deposit services, minus the earnings allowance for the account. The earnings allowance is calculated on the average daily collected balances net of required reserves. The earnings allowance is used to offset all or part of your monthly account maintenance fee; however, a credit balance resulting from the earnings allowance will not accumulate from month to month.

See Schedule of Fees for additional charges.

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Enterprise Checking*

For the growing company with more than 500 items*** processed each month.

• Monthly minimum balance service charge of only $18 if the daily balance falls below $25,000 any day of the month
• Monthly statement with check images for easy record keeping
• CashManager with no monthly service fee**
• We'll credit you up to $25 on your first order of checks and deposit slips
• ATM/Debit card included
• We'll buy back your debit cards and unused checks - up to $50

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Simple Interest Business Checking*

Sole proprietors and not-for-profit organizations will earn interest on checking dollars!

• Monthly minimum balance service charge of only $15 if the daily balance falls below $2,500 any day of the month
• Interest earned on balances over $2,500
• Unlimited checkwriting
• Monthly statement with check images for easy record keeping
• CashManager with no monthly service fee**
• We'll credit you up to $25 on your first order of checks and deposit slips
• ATM/Debit card included
• We'll buy back your debit cards and unused checks - up to $50

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Positively Free Business Checking*

An account that's just right for the small business customer with less than 500 items*** processed each month!

• No monthly service fee
• No minimum balance
• Monthly statement with check images for easy record keeping
• CashManager with no monthly account maintance fee**
• We'll credit you up to $25 on your first order of checks and deposit slips
• ATM/Debit card included
• We'll buy back your debit cards and unused checks - up to $50!

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Membership Banking

Available as a benefit to the employees of participating NVB business customers who have an established banking relationship with NVB and who offer direct deposit to their employees.

Included with the standard features of your direct deposit checking account are the following Membership Banking benefits:

• Free interest bearing checking with no minimum balance requirement; only $50 to open!
• Free NVB printed checks
• Free Cashier’s checks
• Free Traveler’s checks
• No document preparation fee on consumer loans
• If you have a qualifying high deductible health plan, you may be eligible for a Health Savings Account – and there is no monthly fee!
• Free Savings account with an automatic monthly transfer of $25 or more from an NVB checking account or a minimum balance of $300
• Free gift! Plus we will buy back your unused checks and debit cards from other banks – up to $25!

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Disclosures:
* Customer purchases checks. Minimum opening deposit is only $50.
** No monthly account maintenance fee for CashManager. Additional service fees may apply. See CashManager for fee information.
*** Items include checks paid and checks deposited.

All business checking accounts feature Courtesy Overdraft Privilege.  Click here to learn more. 

Visa Debit Card

Included with your account is 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!