PVB offers a variety of deposit accounts to best suit the needs of our customers

Demand Deposit (Checking / NOW / MMDA) Accounts
	Interest Bearing	Minimum Balance	Per Check Charges	Check Writing	ATM / Visa Check Cards	Free Check Images⁽¹⁾	Telebank	Bill-Pay	Internet Banking
PVB Free Checking	No	None	None	Unlimited	Available	Yes	Yes	Yes	Yes
PVB Now	Yes	$750 ⁽²⁾	None	Unlimited	Available	Yes	Yes	Yes	Yes
PVB Super Now	Yes ⁽³⁾	$1,000 ⁽²⁾	None	Unlimited	Available	Yes	Yes	Yes	Yes
PVB Prestige Now Age 55+	Yes	Yes ⁽⁴⁾	None	Unlimited	Available	Yes	Yes	Yes	Yes
PVB Money Market (MMDA)	Yes ⁽³⁾	$1,000 ⁽²⁾		Limited	Available	Yes	Yes	Yes	Yes

⁽¹⁾ Images are returned with your statement.
⁽²⁾ A minimum balance is required to avoid minimum balance charges
⁽³⁾ Interest rate is tiered and based on account balance.
⁽⁴⁾ You must have at least 1 direct deposit per statement cycle.

Savings Accounts

The Poca Valley Bank offers three savings accounts: PVB Statement Savings, PVB eSavings and PVB Junior Savings. The PVB Junior Savings account is only available to individuals under 18 years of age and carries no minimum balance. ATM cards are available with the PVB Junior Savings account to persons on the account age 13 or older with approval. The regular PVB Statement Savings account is designed for those over 18 years of age and requires a $50 minimum balance. Statement Savings Accounts are limited to not more than six(6) withdrawals or transfers to other accounts or any third party by means of a preauthorized transfer, automatic transfer, telephone order or computer order during any 30 day period. PVB eSavings Accounts are transactional and do not have the same withdrawal limitations.

All three accounts offer the following features (please contact a PVB Financial Service Representative for complete details):

Interest Bearing
ATM Card is available
PVB Anywhere Internet Banking
Telebank Telephone Banking

Certificate of Deposit / Individual Retirement Accounts

For long-term money management, Poca Valley Bank also offers Certificate of Deposit (CD) and Individual Retirement Accounts (IRA).

Certificate of Deposit ⁽¹⁾	Individual Retirement Accounts ⁽¹⁾
Interest Bearing $500 minimum deposit ⁽²⁾ $1,000 minimum deposit ⁽³⁾ 31 day - 60 month terms PVB Anywhere Internet Banking Telebank Telephone Banking	Interest Bearing $500 minimum deposit 30 day - 60 month terms ⁽⁴⁾ PVB Anywhere Internet Banking Telebank Telephone Banking

Both CD and IRA accounts qualify for CDARS services to insure and protect up to $50 Million

⁽¹⁾There will be a substantial penalty for early withdrawal before the end of the term of the account
⁽²⁾$500 minimum deposit for most terms of one year or more.
⁽³⁾$1,000 minimum deposit for most terms of one year or less
⁽⁴⁾Terms for traditional IRA's are 30 days, 18 months, or 60 months.Terms for ROTH IRA's are 18 months and 60 months.

Specialty Club Accounts

The Poca Valley Bank makes it easy to save for a vacation or the Christmas money crunch. We offer specialized savings accounts just for that purpose. The Vacation Club account matures in May and the Christmas Club account matures in October.

Both Club Accounts have these features:

Interest Bearing
Automatic debit from another PVB account (at least $5.00 / month is required)
At club maturity, we will electronically deposit the club balance into the deposit account of your choice.
PVB Anywhere Internet Banking
Telebank Telephone Banking