{"id":39051,"date":"2024-02-29T07:21:24","date_gmt":"2024-02-29T07:21:24","guid":{"rendered":"https:\/\/mcclatchymh.wpenginepowered.com\/?post_type=reviews&#038;p=39051"},"modified":"2024-09-18T18:31:37","modified_gmt":"2024-09-18T14:31:37","slug":"valley-national-bank","status":"publish","type":"reviews","link":"https:\/\/mcclatchymh.wpenginepowered.com\/reviews\/valley-national-bank\/","title":{"rendered":"Valley National Bank"},"content":{"rendered":" <p class=\"wp-block-paragraph\">Valley National Bank is a regional bank with 232 branches throughout Alabama, Florida, New Jersey and New York. It offers a comprehensive suite of banking products and services for individuals and businesses. This review guide explores the financial institution\u2019s inner workings and why it could be a one-stop shop for all your financial needs. <\/p> <h2 class=\"wp-block-heading\" id=\"h-about-valley-national-bank\">About Valley National Bank<\/h2> <p class=\"wp-block-paragraph\">With roots tracing back to 1927, Valley National Bank is a trusted provider of banking services in the states it serves. Valley views its customers as more than numbers and focuses on forging valuable relationships to ensure solutions are readily available to help you meet your short- and long-term financial goals. The bank boasts a wide range of products, including various checking, savings, loan and credit card options for personal and business banking customers. <\/p> <h2 class=\"wp-block-heading\" id=\"h-overview-of-services-by-valley-national-bank\">Overview of Services by Valley National Bank<\/h2> <h3 class=\"wp-block-heading\" id=\"h-personal-services\">Personal Services<\/h3> <p class=\"wp-block-paragraph\">Valley features an extensive range of personal services. You can open a checking account to manage your finances conveniently. There are also savings accounts with competitive interest rates to grow your funds and various lending and mortgage products to help you meet other important financial goals. <\/p> <h3 class=\"wp-block-heading\" id=\"h-business-and-commercial-services\">Business and Commercial Services<\/h3> <p class=\"wp-block-paragraph\">If you own a small business, banking, lending and treasury solutions are accessible to keep operations running smoothly. Or you can access tools to gain expert insight across various industries. <\/p> <h3 class=\"wp-block-heading\" id=\"h-financial-planning-services\">Financial Planning Services<\/h3> <p class=\"wp-block-paragraph\">You can also manage and grow your money with Valley. Its financial planning services include tailored wealth management, trust and estate planning solutions. Personal and business insurance solutions are also available to protect your investments. <\/p> <h2 class=\"wp-block-heading\" id=\"h-personal-banking-and-lending\">Personal Banking and Lending<\/h2> <p class=\"wp-block-paragraph\">There are several personal banking and lending services to meet your needs. <\/p> <h3 class=\"wp-block-heading\" id=\"h-checking-and-savings-accounts\">Checking and Savings Accounts<\/h3> <p class=\"wp-block-paragraph\">Valley doesn\u2019t skimp in this category, as there are several options for adults, seniors and teens. Checking accounts require a minimum opening deposit of $25 or $100, and some have no monthly maintenance fees. Plus, you can earn rewards on select accounts by using your Valley Visa debit card to make everyday purchases. <\/p> <p class=\"wp-block-paragraph\">If you opt for a savings account, you can earn a small return on your money. But the APY isn\u2019t much to marvel over &#8211; a CD could be ideal for reaching your savings goals faster. <\/p> <p class=\"wp-block-paragraph\"><strong>Checking Accounts <\/strong><\/p> <ul class=\"wp-block-list\"> <li>All Access Rewards Checking<\/li> <li>Interest Checking Plus<\/li> <li>Teen Checking<\/li> <li>My Choice Checking<\/li> <li>Milestone Checking<\/li> <li>My Loyalty Checking<\/li> <li>All Access Checking<\/li> <\/ul> <p class=\"wp-block-paragraph\"><strong>Savings Accounts<\/strong><\/p> <ul class=\"wp-block-list\"> <li>Valley All Access Savings<\/li> <li>Money Market Savings<\/li> <li>Valley Tiered Money Market Savings<\/li> <li>Valley Premium Money Market<\/li> <\/ul> <h3 class=\"wp-block-heading\" id=\"h-cds\">CDs<\/h3> <p class=\"wp-block-paragraph\">Valley requires just $500 to open a CD with a generous return. You can choose from a 6, 12, or 12-month term that earns 4.75%, 4.50%, and 4.25% APY, respectively. <\/p> <h3 class=\"wp-block-heading\" id=\"h-iras\">IRAs<\/h3> <p class=\"wp-block-paragraph\">Individual Retirement Accounts (IRAs) with Valley can give you added peace of mind during your golden years. Depending on your preferences, you can choose from a traditional or Roth IRA. <\/p> <h3 class=\"wp-block-heading\" id=\"h-credit-cards\">Credit Cards<\/h3> <p class=\"wp-block-paragraph\">Valley offers a wide selection of credit cards with an assortment of perks. Whether you want to earn travel points, cash back or build your credit, you can find a card that works for you. <\/p> <h3 class=\"wp-block-heading\" id=\"h-home-purchase\">Home Purchase<\/h3> <p class=\"wp-block-paragraph\">When you get a mortgage with Valley, you can rest assured you\u2019re working with a team of knowledgeable experts with your best interests in mind. The bank has several home loan products in its arsenal and first-time homebuyer programs to bring your homeownership dreams to life if it\u2019s your first rodeo. <\/p> <h3 class=\"wp-block-heading\" id=\"h-home-equity-line-of-credit\">Home Equity Line of Credit<\/h3> <p class=\"wp-block-paragraph\">You can leverage your home equity to consolidate costly debt, cover home renovation expenses or fund other big-ticket purchases. Valley\u2019s HELOC gives you cash when you need it most, and you\u2019ll only pay interest on what you borrow. You\u2019ll get a low fixed rate for the first year, followed by a variable rate. <\/p> <h3 class=\"wp-block-heading\" id=\"h-mortgage-refinancing\">Mortgage Refinancing<\/h3> <p class=\"wp-block-paragraph\">Valley\u2019s mortgage refinancing solutions can offer you a way to get more affordable mortgage payments. You may qualify for a lower interest rate or loan term extension. Or you can shorten your loan term to pay your balance off faster or convert your home equity into cash. <\/p> <h2 class=\"wp-block-heading\" id=\"h-business-banking-and-lending\">Business Banking and Lending<\/h2> <p class=\"wp-block-paragraph\">Valley\u2019s robust portfolio of business banking and lending products can help move your business forward. <\/p> <h3 class=\"wp-block-heading\" id=\"h-business-checking-and-savings\">Business Checking and Savings<\/h3> <p class=\"wp-block-paragraph\">Valley provides tailored business checking and savings options for small business owners across industries. With a Valley business checking account, you can access features that streamline your daily financial activities. Or you can open business savings accounts to maximize your company\u2019s profits. <\/p> <p class=\"wp-block-paragraph\"><strong>Business Checking Accounts<\/strong><\/p> <ul class=\"wp-block-list\"> <li>Business Banking Checking<\/li> <li>Business Checking Plus<\/li> <li>Corporate Checking<\/li> <li>Women in Business Checking<\/li> <\/ul> <p class=\"wp-block-paragraph\"><strong>Business Savings Accounts <\/strong><\/p> <ul class=\"wp-block-list\"> <li>Business Savings<\/li> <li>Business Money Market<\/li> <li>Business Certificates of Deposit<\/li> <\/ul> <h3 class=\"wp-block-heading\" id=\"h-business-credit-cards\">Business Credit Cards<\/h3> <p class=\"wp-block-paragraph\">Consider a business credit card with no annual fee to help bridge cash flow gaps. The Visa Business Credit Card offers 1% cash back and an introductory purchase APR of 0% in the first six months. If your credit isn\u2019t up to par, the Visa Secured Business Credit Card features the same perks but requires a security deposit of up to 110% of the credit limit you\u2019re seeking. <\/p> <h3 class=\"wp-block-heading\" id=\"h-business-online-banking\">Business Online Banking<\/h3> <p class=\"wp-block-paragraph\">Valley makes it easy to manage your business accounts anywhere you go. You can access the online banking platform or mobile app to monitor account activity, initiate account transfers, pay bills, review transactions and more. <\/p> <h3 class=\"wp-block-heading\" id=\"h-business-loans\">Business Loans<\/h3> <p class=\"wp-block-paragraph\">Commercial lending solutions are plentiful with Valley. From term loans and lines of credit to commercial real estate, SBA and nonprofit loans, the financial institution has you covered. The Community Association Loan Program is another option to access affordable funding for your small business. <\/p> <h3 class=\"wp-block-heading\" id=\"h-specialized-banking-solutions\">Specialized Banking Solutions<\/h3> <p class=\"wp-block-paragraph\">These industry-specific products provide support that\u2019s as unique as your small business. The following resources are available to assist: <\/p> <ul class=\"wp-block-list\"> <li>Cannabis Banking<\/li> <li>Correspondent Banking Solutions<\/li> <li>Healthcare Financial Services<\/li> <li>Homeowners Association <\/li> <li>Municipal and Government Banking <\/li> <li>National Deposits Group <\/li> <li>PropTech<\/li> <\/ul> <h2 class=\"wp-block-heading\" id=\"h-financial-planning\">Financial Planning<\/h2> <p class=\"wp-block-paragraph\">You can put your financial future first by taking advantage of various financial planning services. <\/p> <h3 class=\"wp-block-heading\" id=\"h-wealth-management\">Wealth Management<\/h3> <p class=\"wp-block-paragraph\">Valley offers personalized wealth management services to help you maximize your investments in accordance with your long-term goals. You can access investment advisors, portfolio managers, trust services, broker-dealers and insurance resources. <\/p> <h3 class=\"wp-block-heading\" id=\"h-trust-amp-estate-planning\">Trust &amp; Estate Planning<\/h3> <p class=\"wp-block-paragraph\">Valley\u2019s trust and estate planning services are available to help ensure your assets are managed and distributed according to your specific desires. The goal is to ensure you can provide for those you love most while minimizing your tax liability. <\/p> <h3 class=\"wp-block-heading\" id=\"h-insurance-services\">Insurance Services<\/h3> <p class=\"wp-block-paragraph\">Protect your assets with Valley Insurance Services. Solutions are available for real estate, construction, healthcare, hospitality and marine companies. You can also get coverage if you operate a homeowner or condominium association. <\/p> <h2 class=\"wp-block-heading\" id=\"h-why-you-should-choose-valley-national-bank\">Why You Should Choose Valley National Bank<\/h2> <ul class=\"wp-block-list\"> <li>Flexible personal and business banking products <\/li> <li>Rewards checking account with no monthly maintenance fee<\/li> <li>Attractive APYs on CDs <\/li> <li>Extensive personal and business lending solutions <\/li> <li>Low down payment mortgages <\/li> <\/ul> <h2 class=\"wp-block-heading\" id=\"h-why-you-should-opt-for-other-alternatives\">Why You Should Opt for Other Alternatives<\/h2> <ul class=\"wp-block-list\"> <li>Physical branches are only available in Alabama, Florida, New Jersey and New York<\/li> <li>Minimum opening deposit required checking and savings accounts<\/li> <li>Subpar returns on savings accounts <\/li> <\/ul> <h2 class=\"wp-block-heading\" id=\"h-comparing-valley-national-bank\">Comparing Valley National Bank<\/h2> <p class=\"wp-block-paragraph\">Valley National Bank has a significant presence in the areas it services. Still, its footprint is limited compared to some of its competitors. That said, the financial institution features a vast range of personal and business banking solutions and specialized investment services, making it stand out from the competition. <\/p> <p class=\"wp-block-paragraph\">The fees and interest rates on savings, checking accounts and loans are competitive within its market. However, they aren\u2019t as favorable as online banks that can offer better rates due to lower overhead costs.<\/p> <p class=\"wp-block-paragraph\">Ultimately, Valley National Bank competes effectively in its regional markets and offers comprehensive services. However, it faces stiff competition from regional and larger national banks, which may provide broader services, more competitive rates or a larger geographic footprint.<\/p> <h2 class=\"wp-block-heading\" id=\"h-reviews-and-customer-experiences\">Reviews and Customer Experiences<\/h2> <ul class=\"wp-block-list\"> <li>Bankrate rating: 3.7 \/ 5<\/li> <li>WalletHub rating: 3.1 \/ 5<\/li> <li>BBB Customer rating: 1.23 \/ 5<\/li> <\/ul> <h2 class=\"wp-block-heading\" id=\"h-should-you-bank-with-valley-national-bank\">Should You Bank with Valley National Bank?<\/h2> <p class=\"wp-block-paragraph\">If you live in Alabama, Florida, New Jersey, or New York, Valley National Bank may be a viable option. It offers a one-stop shop for all your personal and business banking needs. That said, more attractive APYs may be available elsewhere if you\u2019re looking to maximize your funds. <\/p> <h2 class=\"wp-block-heading\" id=\"h-how-to-get-started-with-valley-national-bank\">How to Get Started with Valley National Bank<\/h2> <p class=\"wp-block-paragraph\">You can visit the website or a local branch to open an account. You\u2019ll need a valid ID and your Social Security number to get started.<\/p> ","protected":false},"excerpt":{"rendered":"<p>Valley National Bank offers personalized banking, lending and investments. Business banking is also available to help your company. <\/p> ","protected":false},"author":7,"featured_media":39827,"template":"","meta":{"_acf_changed":true,"footnotes":""},"categories":[271,222,237],"tags":[],"class_list":["post-39051","reviews","type-reviews","status-publish","has-post-thumbnail","hentry","category-banking","category-checking-accounts","category-savings-accounts"],"acf":{"zone_id":"324277","sponsored":false,"external_author":1943,"external_editor":39659},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Valley National Bank Review | Miami Herald<\/title>\n<meta name=\"description\" content=\"Valley National Bank offers personalized banking, lending and investments. 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