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Personal Checking
CVB Free Checking
No monthly fees, no minimum balance, it’s Free!
- Unlimited check writing
- Combined monthly statement
- No minimum balance requirement
- No service charges
- Free Unlimited Phone and Online Banking
- Free Bill Pay* and Instant Cash/Debit Card*
NOW Account
- Unlimited check writing
- Interest bearing/paid monthly
- Combined monthly statement
- Account balance minimum of $750.00
- If account falls below the minimum balance requirement, a service
charge of $6.00 per month and $0.15 per check is assessed
- Free Unlimited Phone and Online Banking
- Free Bill Pay* and Instant Cash/Debit Card*
CVB 55
A Free account for all of our customers 55 years of age or better!
- No monthly fees
- No minimum balance requirement
- Unlimited check writing
- Interest bearing/paid monthly
- Combined monthly statement
- Free Unlimited Phone and Online Banking
- Free Bill Pay* and Instant Cash/Debit Card*
*Upon Approval
Business Checking
Regular Small Business
- Unlimited check writing
- Combined monthly statement
- $500.00 minimum balance requirement
- If account falls below the minimum balance requirement, a service
charge of $3.00 per month and $0.15 per check is assessed.
- Free Unlimited Phone and Online Banking
- Free Bill Pay* and Instant Cash/Debit Card*
Economy Small Business
- Unlimited check writing
- No Minimum balance requirement
- $5.00 per month service charge
- Combined monthly statement
- Free Unlimited Phone and Online Banking
- Free Bill Pay* and Instant Cash/Debit Card*
Business NOW
- Unlimited check writing
- Interest bearing/paid monthly
- Combined monthly statement
- Minimum balance requirement of $750.00
- If account falls below the minimum balance requirement, a service
charge of $6.00 per month and $0.15 per check is assessed.
- Available only to Sole Proprietorships
- Free Unlimited Phone and Online Banking
- Free Bill Pay* and Instant Cash/Debit Card*
Large Corporate Analyzed Account
- Call your local Chippewa Valley Bank office for information on our
Large Corporate Analyzed Accounts.
*Upon Approval
Elan Merchant Card Services
- Allows your business to accept virtually all credit cards, debit
cards and check cards.
- Electronic draft capture technology allows you to verify funds
immediately.
- Convenient and easy to read monthly statements.
Statement Savings
Earn interest while having immediate access to your money. Our
savings account provides you with liquidity, flexibility and safety.
- Interest bearing
- $100.00 minimum balance
- If account falls below the minimum balance requirement, a service
charge of $2.00 per month is assessed.
- Fees are waived for minors 18 years of age and under
- Quarterly statement and passbooks are available
- Can be part of combined monthly statement to include customer’s
checking, savings, certificates of deposit and loan accounts.
- A service fee of $1.00 will also be assessed for each withdrawal
exceeding 3 per month. This fee will be waived if you have other deposit
accounts at Chippewa Valley Bank or if your savings account maintains a
balance of $2500.00. This fee will also be waived for minors.
- Free Unlimited Phone and Online Banking
- Free Instant Cash/Debit Card*
*Upon Approval
Money Market Savings
Provides a higher rate of return on larger balances with all the
flexibility of a regular savings account.
- Interest bearing paid monthly
- $2500.00 minimum balance requirement
- If account falls below the minimum balance requirement, a service
charge of $15.00 per month is assessed.
- Tiered interest rates depending on account balance
- Combined monthly statement
- Free Unlimited Phone and Online Banking
Certificates of Deposit
Our certificates give you competitive interest rates with all the
safety and security you need.
- $500 minimum balance requirement
- Terms range from 91 days to 60 months
- Interest can be paid one of the following ways:
- Compounded (added to CD principal balance)
- Transferred to another account
- Paid directly to you by check
- Early withdrawal penalties are assessed if the principal is
withdrawn before the maturity date.
IRAs
 IRA’s are a great way to defer taxes and save for retirement. Check
with one of our IRA specialists for more information on our unique
Savings IRA.
- No minimum deposit to open
- Interest paid semi-annually
- There are no penalties on early withdrawals assessed by Chippewa
Valley Bank; however, there are Federal IRA penalties imposed on early
withdrawals.
Health Savings Accounts
Health Savings Accounts are intended to help you save money and take
greater control of your health care costs. HSAs are always coupled
with a High Deductible Health Plan (HDHP). HDHPs feature much lower
premium payments than typical Low Deductible Plans. The money you
save on premium payments can be invested in your HSA. Those funds
will be available to help cover out-of-pocket qualified medical
expenses. You are permitted to deduct the full amount of your
contributions to your HSA and you do not pay taxes on the earnings
as long as you spend them on qualified medical expenses.
To find out if you qualify for a Health Savings Account, please
consult your attorney, tax of financial advisor with regard to your
personal situation. Once you know that you are qualified, please
contact the HSA Department at the Chippewa Valley Bank office
location closest to you. We will be happy to assist you in opening
your Health Savings Account.
Instant Cash/Debit Cards
Get worldwide access to your accounts to obtain cash and make
purchases 24 hours a day! Have you ever opened your checkbook and
realized that you were out of checks? Have you ever needed to make a
transaction at a business that doesn’t accept checks? Instant Cash and
Debit cards make all these transactions possible and there are so many
other advantages:
- Ease of use. There’s no checkbook to remember, no checks to
reorder, and no check writing needed at your point of sale.
- Acceptance. Practically every merchant takes VISA, while many
restrict check acceptance to local residents or don’t accept checks at
all.
- Fraud security. Like a credit card, check cards protect you from
fraudulent use. However, check cards offer protection against all
amounts of fraud, whereas credit cards typically protect only against
amounts over $50.00.
- Better purchase tracking. Check card transactions show up on your
monthly checking statement just like a check. However, since check card
transactions are completely electronic, greater detail about the
retailer is captured, allowing you to keep track of your purchases
without writing lengthy descriptions in your check register or using
duplicate checks.
- Instant Cash Cards allow you to make cash withdrawals from your
accounts at ATMs up to your daily dollar limit.
- Instant Cash/Debit Cards not only allow you to withdraw money from
your accounts, you can also make purchases wherever VISA is accepted up
to your daily dollar limit. The money is taken directly out of your
checking account.
To report a lost or stolen check/debit card: If
your cash/debit card has been lost or stolen, and it is during normal
business hours, please call your local office. If after normal
business hours, on a weekend or holiday, you may also call VISA Instant
Cash Services at 1-800-535-8440. Please follow up with your local
office during normal business hours.
Check Reorder
CVB Checks
Chippewa Valley Bank is always trying to give our customers the best
service possible. To this end, we are now offering Chippewa Valley Bank
checks at a lower cost to our customers. We offer both Personal and
Business checks in a number of designs and the quality is equal to the
higher-priced check vendors. The turnaround time is much faster and you
can save money by securely picking up your order. If you would like to print an
order form, just click on the link below. After printing the order form,
fill it out accordingly and either mail or fax it to us, or you can also
drop it off at one of our convenient office locations. Once your order
is received, it will be ready in two days. If you have questions or if
you would like more information, please call the Winter office.
Deluxe Checks
Our online service provides you with the ability to conveniently
reorder your checks in a secure environment. Checks may be reordered
online if the following apply:
- They are the same style as your last order
- They have the exact same name and address as your last order
- The new check order sequence number follows your last order’s
sequence numbers
- They will be delivered to the same mailing address as your last
check order.
If all of the above apply, click the Deluxe Check Reorder Link below!
Account Disclosures
Our disclosure includes important information about your accounts
such as:
- Terms and Conditions
- Electronic Transfers
- Funds Availability
- Truth in Savings
- Your Rights and Responsibilities
- Confidentiality Information
If you would like to request a copy of our Account Disclosure, please
Contact Us.
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