Valley Bank provides a wide range of products and services to individuals and businesses. The bank offers checking, savings and money market accounts, certificates of deposit, debit cards and overdraft protection. Its lending capabilities include personal, mortgage and home equity loans, as well as lines of credit. Valley Bank assists businesses with cash management, merchant services, direct deposits, credit cards, lockboxes and equipment leasing. The bank s online module enables customers to access accounts, pay bills and customize financial activities. Its delivers products and services through a network of nearly 10 branch offices in Virginia s Roanoke Valley. Valley Bank is a member of the Federal Deposit Insurance Corporation. The bank was established in 1995 and is a subsidiary of Valley Financial Corporation. It is headquartered in Roanoke, Va.