Bank Disclosures

By accessing (the “website”), you agree to be bound by the disclaimers set forth below.


The words “you” and “your” refer any party accessing this website and to any person or entity for which an account is maintained with Valley Bank. The words “we”, “us” the “Bank” and “our” refer to Valley Bank.

Content and Use of Information

The materials, content and data contained in the website are for information purposes only. Valley Bank’s maintenance of the website does not constitute an offer of any products or services provided by Valley or any of its affiliates. Though believed to be reliable, Valley Bank does not guarantee the completeness or accuracy of any of information and materials on this website. Information or opinions provided by us or through a third party on the website should not be considered investment advice and do not constitute an offer or solicitation for the purchase of any securities or financial instruments, or any advice or recommendation with respect to such securities or other financial instruments. Not all the products and services that you may be able to view on are available in all jurisdictions or to all customers. Our products or services are only made available to you only to the extent permitted by applicable laws and regulations of the relevant jurisdictions. Valley Bank reserves the right to determine whether or not you are eligible for any particular product or service.

Currency Exchange Rates

Ticker or otherwise displayed rates or market indices are indicative only and do not represent an offer by Valley Bank, or our affiliates, to buy or sell. Accuracy is not guaranteed and rates may be prior to the time noted.

Publications and Articles

All articles containing economic or market analyses or forecasts reflect the views of the individuals that prepared them and do not necessarily represent the position of Valley Bank or of other units of the worldwide Valley Group. The analyses and forecasts should not be construed as a recommendation to buy or sell, or the solicitation of an offer to buy or sell any securities, currencies, or financial instruments. Valley Bank, other units of the Valley Group, or the individuals that prepared the analyses or forecasts may have positions in securities, currencies, or financial instruments that may be affected by action that is consistent with the analyses or forecasts.

Changes or Alterations in Website

The Bank reserves the right to change alter or reconfigure this website from time to time including adding and/or terminating services at any time for any or no reason whatsoever at its sole discretion. Every change shall be binding upon you and as of the date of its respective publication on the Site (or receipt of notice of change by any other means). It is your responsibility to keep abreast of any such changes.

Access to Online Services

Access to any online banking service is restricted to those customers who have obtained the appropriate credentials after completing the corresponding application and approval processes.

Copyright, Trademarks and Logo

The website and all the data, images, software and information contained therein may be protected according to the copyright laws of the United States, Israel and other countries. It is forbidden to copy, alter, distribute, or use for any unauthorized purpose any of such information, images, data and/or everything appearing in the website.

E-mail Instructions

Valley Bank will not act upon payment orders or other instructions received by e-mail through Valley e-Banking or any other internet or electronic means.

Commitment and Agreement

Customers will not be entitled to make any claim against us upon any promise, agreement, or act by any officer, employee or agent of Valley Bank which is not in conformity with this Disclaimer or any corresponding agreement executed with Valley Bank.


If any provision of this website, account documents, disclaimer, and/or any other bank agreement shall, for any reason, be held to be invalid, illegal or unenforceable, any/all remaining provisions shall remain valid and enforceable.

Governing Law

This website, account documents, terms and conditions, legal disclaimer, and/or any other bank agreement shall be governed by the laws of the State of New York without reference to choice of law doctrine.


This website may contain links to other websites controlled or offered by affiliates, subsidiaries or third parties (non-affiliates of Valley Bank). Use of such links is at your own risk. Valley Bank hereby disclaims liability for, any information, data, materials or products posted or offered and we do not endorse or recommend any offers, solicitations or services. The content of such links are not investigated, verified, monitored, or endorsed by Valley Bank.

No Warranty

The information and materials available on this website, including text, graphics, links, stock market data, currency exchange rates or other items – are provided “as is” and “as available.” Valley Bank does not warrant the accuracy, adequacy, or completeness of the information and materials and expressly disclaim liability for errors or omissions in the information and materials. No warranty of any kind, implied, express, or statutory, including but not limited to the warranties of non-infringement of third-party rights, title, merchantability, fitness for a particular purpose, and freedom from computer virus, harmful code including malware or spyware, is given in conjunction with the website.

Limitation of Liability

In no event will Valley Bank be liable for any damages, including without limitation, direct or indirect, special, incidental, statutory or consequential damages, losses, or expenses arising in connection with this website or its use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, or line or system failure, even if we, or our representatives, are advised of the possibility of such damages, losses, or expenses.


You agree to indemnify and hold Valley Bank, its employees, officers and directors, harmless from any liability, cost, fee, claim, action, proceeding, judgment, loss, damage, liability and expense of any kind, including without limitation, attorneys fees, arising out of your use of any information, material service or product found in this website.

No Fiduciary Relationship

Valley BankA functions as a bank and should not be considered to be acting as a fiduciary in any capacity for you unless there is an express written agreement by the Bank to do so.

No Investment Advice

Valley Bank offers many products and services to its customers including non-deposit investment products* which are not insured by the FDIC. We do not provide investment advice or recommendations for any particular product but merely make such products or investments available for purchase. All decisions regarding such products or investments should be made after careful consideration by you, and are made at your sole risk.

In the U.S., banking products and services are provided through Valley Bank and brokerage products and services are provided by Valley Investment Services Inc. Valley Investment Services Inc. is a member of FINRA ( and SIPC (, and is a wholly-owned subsidiary of Bank Valley.

All investors must carefully consider the risks, charges, fees, and expenses, review the prospectus or other offering information if applicable, and consider their personal financial situation and tolerance for risk before making any investment. The mutual fund or variable product prospectus will detail such expenses and costs, and a prospectus can be obtained from your Valley Investment Services Inc. registered representative.

Certain products and services are not available to U.S. residents and/or are offered through third party providers.

Withdrawals from annuities are subject to normal income tax and, if taken prior to age 59 ½, may be assessed a 10% tax penalty. Foreign securities are subject to risks associated with currency exchange rates, different accounting and financial standards and political instability. Structured securities have restrictions and may be subject to significant fluctuations in value.

Non-deposit investment products offered through Valley Bank and Valley Investment Services Inc. are:

  • Not insured by the FDIC or any other federal or government entity
  • Not guaranteed by Valley Bank, B.M., or any other bank
  • Subject to investment risks, including possible loss of the principal amount invested


By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC).

Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit: