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BUSINESS ACCOUNTS

Business Deposits – Yampa Valley Bank provides a variety of business accounts with avoidable fees. Online banking, web statements and bill pay are offered for free or minimal charges on all business accounts!

BUSINESS ECONOMY

  • $10 monthly service charge if balance goes below $500
    • ** Or 25 debit card transactions to waive monthly fee
  • Monthly statements
  • Imaged checks
  • ATM/Debit Card access FREE
  • Minimum opening balance of $100 required

BUSINESS CHECKING

  • No monthly service charge if daily balance remains above $5,000 or total daily balances combined in business checking/savings, CD accounts or outstanding business loan balances remain above $25,000 ($0.20/check otherwise)
  • Monthly statements
  • Imaged checks
  • Minimum opening balance of $100 required
  • ATM/Debit Card access FREE

BUSINESS MERIT CHECKING

  • For Sole-Proprietors and Non-profit organizations only
  • No monthly service charge if total daily balances combined in business checking/savings, CD or outstanding business loan balances remain above $2,500 ($10/mo otherwise)
  • Tiered interest rate
  • Monthly statements
  • Imaged checks
  • Minimum opening balance of $1,000 required
  • ATM/Debit Card access FREE

BUSINESS MONEY MARKET CHECKING

  • No monthly service charge if daily balance remains above $2,000 ($10.00/mo otherwise)
  • Withdrawals are limited to six pre-authorized per month; $2 charge per each pre-authorized withdrawal over six per month; unlimited withdrawals allowed in person, by mail or by ATM
  • Tiered interest rate
  • Monthly statements
  • Imaged Checks
  • Minimum opening deposit of $2,000 required
  • ATM/Debit Card access FREE

BUSINESS PRIME SAVINGS

  • No service charge if daily balance remains above $250 ($10.00/quarter otherwise)
  • Withdrawals are limited to six pre-authorized per month; $2 charge per each pre-authorized withdrawal over six per month; unlimited withdrawals allowed in person, by mail or by ATM
  • Tiered interest rate
  • Quarterly statements
  • Minimum opening deposit of $100 required
  • ATM access FREE

OVERDRAFT PROTECTION

  • Avoid NSF fees
  • Apply for a line of credit between $100-$2,000
  • Payment is automatically debited from checking account
  • No transfer fees

TIME CERTIFICATES

FIXED RATED CERTIFICATES*

  • Minimum opening balance of $1,000 required
  • Terms available from one month up to 60 months
  • Certificates are automatically renewed
  • *Interest compounded daily. Penalty may apply for early withdrawal

PRIME RATE CERTIFICATES*

  • Opening deposit of $1,000 required
  • Certificate matures in one year, automatically renewed
  • Floating rate certificate is tied to an index below Wall Street Journal prime rate
  • Rate tiered based on account balance
  • You may add to the certificate at any time

*Interest compounded daily. Penalty may apply for early withdrawal

MERCHANT PROCESSING

If your business currently accepts credit cards, or has considered doing so, be sure to ask about our Merchant Processing for customers. In addition to providing competitive rates for all of our local customers, YVB also provides the same local service that we have become known for.

COURIER BANKING

Time is one of the most valuable assets to a business. Therefore we offer a daily bonded courier that will pick up your deposits for you! In addition, we can deliver other items to or from the bank that you might need including change orders as space permits. This service can be set up as an "on-call" or "recurring" schedule for only $20/month! Call for more details!

FREQUENTLY ASKED COURIER BUSINESS BANKING QUESTIONS

How do I enroll in Courier Business Banking?

Steamboat and Oak Creek customers please contact Becca Moore at 970-875-1619 and Craig/Hayden customers please contact Jennifer Bugay at 970-824-0403.

What is the cost of this service?

There is a monthly $20 charge for this service.

How often does the courier come to each business?

Customer chooses a daily schedule, on call schedule, or a custom schedule not to exceed once a day.

What is the benefit of courier banking to my business?

Our couriers are bonded and deposits are made on the same business day under dual control. You will save cost on gas and time spent out of the office for employees.