Mountain Valley Bank, N.A.

Small town bank review

I bank with Mountain Valley Bank in north central West Virginia. The bank staff are usually friendly and know you by name, they go out of their way to be nice. My experience with the people is almost always a positive. They do charge high fees for overdraws, they charge $33 for each overdraft and are very reluctant to return the fees. Also the tellers are given almost no authority to reverse overdrafts, and you have to call and speak with someone to try and get the fees removed. One time I was 7 minutes late on a deposit the cutoff was 2pm and I was there at 2:07 making a $6 deposit to avoid an overdraft, they put it on next day and gave me a $33 fee on a $5 overdraft, and would not budge on returning the fee. It was my fault, but $33 seems a bit excessive.