Explore Our Personal Deposit Accounts
At Yampa Valley Bank, we offer a variety of deposit accounts tailored to meet your financial needs and goals. Whether you’re just starting out, building savings, or seeking ways to maximize your earnings, we have the perfect fit for you.
yampa checking
Our most flexible and accessible account, designed to meet the needs of every stage of life.
- No Monthly Fees: No service charges or minimum balance requirements.
- First Check Order – Free: Enjoy your first set of checks at no cost.
- Unlimited Check–Writing: Write as many checks as you need, with no restrictions.
- Monthly Statements: Stay on top of your finances with clear, easy-to-read statements.
- Free ATM/Debit Card: Access your funds anytime without extra fees.
- Optional Features: Add imaged checks for just $7/month.
- Exclusive Perks for Those Over 55 Years Old: Free imaged checks and free basic checks.
- Teen Checking (Ages 10–17): A perfect starter account with a joint parent or guardian holder and added security features.
bank on account
Simple, secure, and designed to help you manage your money with ease.
- No Minimum Balance: Keep your account flexible with no balance requirements.
- No Overdraft Fees – Ever: Enjoy peace of mind without the worry of overdraft charges.
- Digital-First Banking: No check-writing privileges, paired with a free debit card for easy transactions.
- Low Monthly Service Charge: Just $5/month, waived with 15 debit card transactions.
- Easy to Open: Start banking today with a $25 minimum deposit.
The Bank On Account is perfect for those seeking a straightforward and stress-free way to bank.
personal merit checking
A rewarding account designed for those who maintain higher balances and seek additional perks.
- No Monthly Service Charge: Waive the fee by keeping a balance of $2,500 or more, or maintain a combined balance of $5,000 across all deposit accounts and loans.
- Earn Interest: Benefit from tiered interest rates that reward higher balances.
- Unlimited Check Writing: Write as many checks as you need, with no restrictions.
- Monthly Statement: Organized and easy-to-read account statements.
- Imaged Checks Included: Manage check images for convenience and record-keeping.
- Free ATM/Debit Card: Access your funds anytime, anywhere.
- Low Opening Deposit: Start with just $100.
Personal Merit Checking offers flexibility, rewards, and convenience for managing your finances.
money market checking
A high-interest account that rewards you for saving while maintaining flexibility.
- No Monthly Service Charge: Maintain a balance of $2,000 to avoid the $10 monthly fee.
- Tiered Interest Rates: Earn more as your balance grows with competitive rates.
- Monthly Statements: Stay organized with detailed statements.
- Imaged Checks: Access and manage check images easily.
- Flexible Withdrawals: Six pre-authorized withdrawals per month; a $9 fee applies for additional pre-authorized withdrawals. Unlimited withdrawals allowed in person, by mail, or via ATM.
- Free ATM Card: Access your funds fee-free.
- Easy to Get Started: Minimum deposit of $2,000 required.
Money Market Checking offers the perfect combination of high earning potential and account flexibility.
premier money market checking
Maximize your savings with premium interest rates for high-balance savers.
- Premium Interest Rates: Enjoy higher-tiered rates on balances over $100,000.
- No Monthly Service Charge: Keep a balance of $2,000 or more to avoid a $10 fee.
- Monthly Statements: Stay informed with concise statements.
- Imaged Checks: Convenient access to check copies.
- Flexible Withdrawals: Up to six pre-authorized withdrawals per month; a $9 fee applies for each additional withdrawal.
- Unlimited Withdrawals: Available in person, by mail, or via ATM.
- Free ATM Card: Access your funds anytime without fees.
- Simple to Open: Start with just $2,000.
Premier Money Market Checking is perfect for those who want to maximize earnings while maintaining financial flexibility.
prime savings
A straightforward savings account designed to help you grow your money with ease.
- No Monthly Service Charge: Waive the $5 fee by maintaining a daily balance of $100 or more.
- Tiered Interest Rates: Earn more as your balance grows.
- Quarterly Statements: Stay on top of your finances with detailed statements every three months.
- Flexible Withdrawals: Six pre-authorized withdrawals per month; a $2 fee for each additional withdrawal.
- Low Opening Deposit: Start with just $100.
- Transfer Cents Program: Save effortlessly by rounding up debit card purchases and transferring the difference into your savings.
Prime Savings is a simple way to achieve your financial goals.
minor savings
Teach kids the value of saving while building a secure financial future.
- No Service Charges: Save with no monthly fees.
- For Minors Under 18: Joint account with a parent or guardian required.
- Quarterly Statements: Track savings growth every three months.
- One Account Per Minor: Limit one account to personalize savings goals.
- Low Opening Deposit: Start with just $25, with no minimum balance requirement.
- Transfer Cents Program: Boost savings by rounding up debit card purchases.
Minor Savings is a great way to teach financial responsibility to young savers.
time certificates
Time Certificates offer a secure, guaranteed return for your savings.
- Fixed Rate: Predictable returns with a fixed interest rate.
- Flexible Terms: Choose terms from one month to 60 months.
- Low Minimum Deposit: Start with just $1,000.
- Automatic Renewal: Renew automatically at the end of the term.
- Daily Interest Compounding: Maximize growth with daily compounding interest.
- Early Withdrawal Penalty: A penalty may apply if funds are withdrawn early.
Time Certificates offer a secure, guaranteed return for your savings.
ira certificates
plan for your retirement with fixed returns and tax advantages
- Roth & Traditional IRA Options: Choose the best fit for your retirement goals.
- Low Minimum Deposit: Start with just $100.
- Flexible Additions: Add to your certificate with a minimum of $100 at any time.
- Automatic Renewal: Certificates automatically renew at the end of their term.
- Daily Interest Compounding: Boost your savings with daily compounding interest.
- Early Withdrawal Penalty: Penalties apply for early withdrawals.
IRA Certificates help you secure your retirement with guaranteed returns and tax advantages.
health savings account (HSA)
The healthy way to save for medical expenses.
- Tax-Free Savings: Pay for qualified medical expenses with tax advantages.
- Free Debit Card: Optional debit card for easy access to funds.
- No Transaction Fees: Manage your HSA without extra costs.
- Check Printing Fees: Fees apply based on the type and quantity of checks ordered.
- Tiered Interest Rates: Earn interest on your balance with competitive rates.
Open your HSA today to start saving for future healthcare costs.
overdraft protection
Enjoy peace of mind knowing your checking account is covered.
- Overdraft Line of Credit: Available from $500 to $2,500 (subject to approval).
- Permanent Link: Attached automatically to your checking account.
- Avoid NSF Fees: Protect yourself from non-sufficient funds fees.
- Automatic Coverage: No transfer fees.
- Automatic Minimum Payments: Payments are made automatically from your checking account.
Overdraft Protection helps you avoid fees and stay on top of your finances.
Explore our full range of personal deposit accounts today and discover how Yampa Valley Bank can help you achieve your financial goals!
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