Established in 1996, Valley Business Bank provides personal and commercial banking services. It provides various consumer checking accounts, including regular, bonus interest, baseline, senior and senior interest checking accounts, and statement, personal money market and time certificate of deposit savings accounts. The bank also provides home equity lines of credit, automobile loans, executive lines of credit and home mortgages. Valley Business Bank also provides business and business interest checking accounts, and various business loans, including commercial, Small Business Association and construction loans. It also provides 24-hour banking, business credit cards, courier service, night depository, safe deposit boxes and wire transfers. The bank has branches Visalia, Woodlake, Tipton and Fresno, Calif.