West Valley National Bank | SureLock

West Valley National Bank | SureLock

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Client Success Stories

West Valley National Bank

Client Success Stories

West Valley National Bank

How West Valley National Bank built board confidence with SureLock™

West Valley National Bank wanted a solution that could help reduce fraud-related costs while creating a new source of recurring non-interest income. In this short interview, President & CEO Ron Evans shares how SureLock™ helped win over the board of directors without creating friction for customers.

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1.877.342.2557

6504 Bridge Point Parkway, Suite 500
Austin, Texas 78730

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Copyright © Kasasa, Ltd. All rights reserved. Kasasa is a third-party service provider supporting community financial institutions. It is not a chartered bank, trust company or depository institution. It is not authorized to accept deposits or trust accounts. It is not involved in any credit decisions, loan funding or loan servicing activities. All promotions; credit decisions; underwriting, funding; sale and servicing activities associated with any loan may be performed by one or more participating community financial institutions or lending entities. Kasasa is not licensed or regulated by any state or federal banking authority.

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Terms & Conditions

Copyright © Kasasa, Ltd. All rights reserved. Kasasa is a third-party service provider supporting community financial institutions. It is not a chartered bank, trust company or depository institution. It is not authorized to accept deposits or trust accounts. It is not involved in any credit decisions, loan funding or loan servicing activities. All promotions; credit decisions; underwriting, funding; sale and servicing activities associated with any loan may be performed by one or more participating community financial institutions or lending entities. Kasasa is not licensed or regulated by any state or federal banking authority.

Deposit Offerings:

Qualification Information: To earn an account's rewards, consumers must meet specific qualifications during each Monthly Qualification Cycle period. Account qualifications and Monthly Qualification Cycle periods are established by each participating community financial institution and may vary by account.

Reward Information: Depending on the account, consumers will receive the following rewards when they meet their account's qualifications during a Monthly Qualification Cycle:

Interest / Dividends on your checking account balances (High Interest Checking)
Interest / Dividends on your savings account balances (High Interest Savings)
Cash back on debit card purchases (Cash Back)
Cash back on debit on delivery services and grocery store purchases (Cash Back Groceries & Food Delivery)
Refunds on debit card purchases on select streaming services including music, video and gaming (Cash Back Streaming Services)
Refunds on ATM withdrawal fees, nationwide, up to a specific amount as determined by each participating community financial institution.

When qualifications are not met, the account's rewards are not earned or distributed, and only the non-qualifying Annual Percentage Yields (APY) is paid on interest/dividend bearing accounts. APYs are established by each participating institution and are accurate as of the specific dates published by each institution.

Account rewards are distributed to the appropriate account(s) on a specific date established by each community financial institution.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened and may change without notice. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information: Membership restrictions may apply if a credit union is utilized. Account approvals, conditions, qualifications, limits, timeframe, log-ins and other requirements apply. Qualifications, rates, rewards, fees, account specifics and restrictions may vary by account and by participating institution. A minimum deposit may be required by some institutions to open an account. Enrollment in electronic services (e.g., online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Kasasa accounts are intended to be free, so there should be no recurring monthly maintenance fees, or charges to open or close the accounts. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact specific institution for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

All Kasasa accounts are offered by community financial institutions whose deposits are insured by one of the following:

Trademarks: High Interest Checking, High Interest Savings, Cash Back, Cash Back Groceries & Food Delivery and Cash Back Streaming Services are trademarks of Kasasa, Ltd., registered in the U.S.A.

Take-Back Feature:

Description of the Take-Back Feature: Kasasa's Take-Back feature enables borrowers to make prepayments (payments in excess of each scheduled monthly payment) to reduce the total amount of interest they must pay. It also gives the borrower the ability to borrow back those additional funds (e.g., Take-Backs^™) should an unexpected financial need or opportunity arise.

Loan Rates & Term: Loans offering the Take-Back feature are subject to credit approval by the participating lending partner. Many factors affect credit approval and the interest rate the borrower may receive.

Loan Interest Charges & Fees: When interest begins to accrue and the method by which interest is calculated may vary by participating lender. Borrower may be charged a fee each time a scheduled payment is late; a fee for every payment that is returned for insufficient funds and for any applicable membership or participation fees. See the participating institution for details.

Application of Loan Payments: All payments, including any additional payments above and beyond the scheduled monthly minimum payments are applied to the loan as documented in the loan's Truth in Lending disclosure. Making additional payments does not eliminate the borrower's requirement to make the loan's monthly minimum payments. Subject to applicable law, payments are applied at the lender's discretion.

Additional Information: Borrowers must meet a lender's underwriting requirements. Not all borrowers will receive the lowest rate. To qualify for the lowest rate, borrowers must have a responsible financial history and meet other funding criteria. If approved, the loan's actual rate will depend on a variety of factors including the term of the loan, and the borrower's financial and employment history; income and other factors. Rates, fees, and terms vary by lender. Rates and terms are subject to change at any time without notice and are subject to state restrictions. Contact a loan representative from your lender for additional information, details, and loan application.

Trademarks: Take-Backs is a trademark of Kasasa, Ltd., registered in the U.S.A.