ACCOUNT CENTER

PERSONAL CHECKING:

• 24 Hour Access to Tele-Bank and Online Banking Services
• Statements Prepared and Mailed Monthly (images available upon request)
• $300 "Average" Balance Requirement to avoid $5 Maintenance Fee
• Direct Deposit will waive Average Balance Requirements for Account
• Maintenance Fee Waived with Direct Deposit option
• Master Money Check Card / Debit Card Available – apply today
• Reorder checks - Please call 620-878-4421
• For additional information and full product disclosures, please contact us at 620.878.4421.

STUDENT CHECKING – 22 and under:

• No Balance Requirements
• Must be enrolled in current coursework to qualify
• Statements Prepared and Mailed Monthly (images available upon request)
• 24 Hour Access to Tele-Bank and Online Banking Services
• Master Money Check Card / Debit Card Available – apply today
• Reorder checks - Please call 620-878-4421
• For additional information and full product disclosures, please contact us at 620.878.4421.

ONLINE BANKING SERVICE:

• 24 Hour Access
• No Fees for Service
• E-Statements available
• To request Login and Password, please contact us at 620.878.4421.

MOBILE BANKING - Is here!!   Download from your APP Store today!

• Search "Cottonwood Valley Bank" in your APP store & download today!
• CVB Online Banking credentials are required for access. 

CVB CHECKCARD:

• MasterMoney / Shazam Check / ATM Card
• Pick your Pin# Optional
• Worldwide access, anywhere MasterCard is accepted.
• No Foreign Item/Rear-end Fees associated with non-CVB ATM transactions
• $9.00 Annual Fee
• REPORT LOST & STOLEN CHECK CARD - 800-383-8000
• $30.00 Replacement fee for lost card.

BUSINESS CHECKING:

• $300 Minimum Balance Requirement to avoid $5 Maintenance Fee
• 24 Hour Access to Tele-Bank and Online Banking Services
• Statements Prepared and Mailed Monthly (images available upon request)
• Master Money Check Card / Debit Card Available – apply today
• For additional information and full product disclosures, please contact us at 620.878.4421.

NOW CHECKING:

• Earn interest regardless of balance
• Should daily balance go below $1,000.00, $7.50 Monthly Maintenance Fee plus .10¢ per each debit over 20 debits may be assessed.
• Monthly Maintenance Fee waived and unlimited debits when monthly "average" balance is greater than $2,500.00 .
• Interest rates may change at the discretion of the bank
• 24 Hour Access to Tele-Bank and Online Banking Services
• Master Money Check Card / Debit Card Available – apply today
• Statements Prepared and Mailed Monthly (images available upon request)
• Reorder checks - Please call 620-878-4421
• For additional information and full product disclosures, please contact us at 620.878.4421.

PERSONAL MONEY MARKET CHECKING:

• Earn interest regardless of balance
• $7.50 Monthly Maintenance Fee if average daily balance goes below $2,500.00
• $3.00 per debit fee over 6 per month regardless of balance
• Interest rates may change at the discretion of the bank.
• Statements Prepared and Mailed Monthly (images available upon request)
• 24 Hour Access to Tele-Bank and Online Banking Services
• Reorder checks - Please call 620-878-4421
• For additional information and full product disclosures, please contact us at 620.878.4421.

By Federal regulations, transfers from a MMDA or savings account to another account or to third parties by preauthorized, automatic or telephone transfers are limited to six per month, with no more than three by check or similar order to third parties.

SAVINGS ACCOUNTS:

• $100.00 Minimum balance to open
• Earn interest regardless of balance.
• 24 Hour Access to Tele-Bank and Online Banking Services
• Interest rates may change at the discretion of the bank.
• $5.00 monthly maintenance fee if balance falls below $100.00
• $1.00 per debit fee on all debits over 3 per month.
• No monthly maintenance fees for children under 22 years old. (Activity fee still applies)
• For additional information and full product disclosures, please contact us at 620.878.4421.

LOANS

• Personal Loans
• Commercial / Business Loans
• Agricultural / Business Loans

CERTIFICATES OF DEPOSIT

• At Cottonwood Valley Bank, we offer a variety of terms on FDIC-insured Certificates of Deposits. Our certificates of deposit feature competitive interest rates and are also available for your Individual Retirement Account (IRA) or Roth IRA.
• Interest rates may change at maturity at the discretion of the bank.
• For a listing of our Terms & Rates, please click on “Current Deposit Rates” to your left. A penalty may apply for early withdrawal.
• For additional information and full product disclosures, please contact us at 620.878.4421.

INDIVIDUAL RETIREMENT ACCOUNTS

• Traditional I.R.A (Pre Tax / Tax Sheltered option)
• Roth I.R.A. (Post Tax / No Tax Shelter option)
• Education I.R.A. (Save for Higher Education)

CREDIT CARDS - VISA:

• CVB Visa Card info - Click here
• Cottonwood Valley Bank offers Visa credit card services including merchant services that feature the latest credit card processing technology, competitive rate and personalized service.
• Earn Points on each purchase for travel, goods and services.
• Free Personal Online Statement Access at www.mycardstatement.com

SAFE DEPOSIT BOXES:

• All Sizes.……….. $35.00 annual lease
• Lost Key..…...Actual Cost/minimum $35.00
• Box Drilling.…..Actual Cost/minimum $350.00

WIRE SERVICES:

• Outgoing Domestic……...$30.00 each
• Incoming Domestic.…..$30.00 each

FAX SERVICES:

• Incoming.……...$1.00 for each page
• Outgoing.………$1.00 for each page

CHECK CASHING SERVICES:

• Payable to CVB Account Holders…..……No Fee
• Payable to Non CVB Account Holders…..1% of check presented, minimum $10.00

COLLECTION SERVICES:

• Bank will attempt to collect item for 30 Days
• Written instructions from payee required
• Self-addressed stamped envelope required
• Collection of Draft or N.S.F. Item…….$25.00

ESCROW SERVICES:

• Setup Fee………..$350.00
• Transaction Fee....$10.00 - $25.00

MISCELLANEOUS SERVICES:

• Cashier Check……………...$ 2.50 min or 1 % of amount not to exceed $10.00
• Money Order.……………....$ 2.50 min or 1% of amount not to exceed $10.00
• Stop Payment.……………...$30.00 each
• Copies.…………………………...25¢ each
• Return Deposited Item.……$20.00 each
• Account Research..................$20.00 hour (one hour min.)
• Monthly Statement Re-Print..$10.00 each
• 12months/Yr. Statement Re-Print.....$60.00 per year tax year
• Account Reconciliation.........$20.00 hour (one hour min.)