Personal Checking
Free online BillPay, mobile check deposits, and e-statements—all available with New Valley checking accounts.
Personal Checking Accounts
Compare AccountsMonarch Checking
Bank like royalty.
$0 - $50,000
Interest Rate
2.96%
APY2
3.00%
Minimum Balance to Earn APY
$0
Monthly Maintenance Charge
$0
$50,000.01 + above
Interest Rate
0.01%
APY2
0.01%
Minimum Balance to Earn APY
$50,000.01
Monthly Maintenance Charge
$0
Disclosures
2 APY – Annual Percentage Yield. APYs stated are accurate as of November 30, 2024. Rates may change without notice and may change after the account is opened. Interest is compounded and credited monthly. This is a tiered account and your APY will vary based on your account balance. Balances between $0.00 and $50,000 earn 3.00% APY. Balances above $50,000 earn 0.01% APY on only that portion of your balance resulting in an APY of 3.00% to 1.51% assuming a balance of $100,000. Your periodic statement will reflect a blended rate. Customer must maintain the minimum balance daily to earn the stated APY. Fees could reduce earnings. See Personal Schedule of Fees for product and service fee information.
Direct Checking
Earn while making payments.
Interest Rate
0.01%
APY2
0.01%
Minimum Balance to Earn APY
$10
Monthly Maintenance Charge4
$10
Disclosures
2 APY – Annual Percentage Yield. APYs stated are accurate as of November 30, 2024. Rates may change without notice and may change after the account is opened. Interest is compounded daily and credited monthly. You must maintain the minimum balance daily to earn the stated APY. Fees could reduce earnings. See Personal Schedule of Fees for product and service fee information.
4 Monthly maintenance charge easily waived with $1,000 daily balance minimum or $10,000 in related deposit balances.
Signature Checking
Higher yields for higher balances.
Interest Rate
0.15%
APY2
0.15%
Minimum Balance to Earn APY
$10
Monthly Maintenance Charge4
$14.95
Disclosures
2 APY – Annual Percentage Yield. APYs stated are accurate as of November 30, 2024. Rates may change without notice and may change after the account is opened. Interest is compounded daily and credited monthly. You must maintain the minimum balance daily to earn the stated APY. Fees could reduce earnings. See Personal Schedule of Fees for product and service fee information.
4 Monthly maintenance charge easily waived with $5,000 daily balance minimum or $25,000 in related deposit balances.
True Checking
Banking made simple.
Interest Rate
0%
APY2
0.00%
Minimum Balance to Earn APY
N/A
Monthly Maintenance Charge
$0
Disclosures
2 APY – Annual Percentage Yield.
18/65 True Checking
For persons 18 years of age or younger or 65 years of age or older.
Interest Rate
0.00%
APY2
0.00%
Minimum Balance to Earn APY
N/A
Monthly Maintenance Charge
$0
Disclosures
18-65 Law Notice – Important Notice for Persons 18 Years of Age or Under or 65 Years of Age or Older
2 APY – Annual Percentage Yield.
Rise Checking
Modern banking for financial wellness.
Interest Rate
0.00%
APY2
0.00%
Minimum Balance to Earn APY
N/A
Monthly Maintenance Charge
$7
Disclosures
2 APY – Annual Percentage Yield.
Digital Banking
Go mobile with New Valley Bank. Our app and digital banking tools are easy-to-use and give you 24/7 access, but when it’s time to talk to a person, we’re a text or phone call away.
We’re here to help you access all of your online banking needs 24/7 right from the palm of your hand. Our mobile banking app allows you to deposit checks, transfer funds, and make simple transactions from the comfort of your house, office, or anywhere you happen to be. With mobile banking, managing your finances with a personal bank account is more convenient than ever before.
Credit Card
Our Platinum credit cards offer hometown convenience, worldwide acceptance and great benefits.
This card is issued by TCM Bank, N.A. Subject to credit approval.
Apply Online
Personal Debit
A personal bank account with great rates and terms—and customer service to match.