Valley Bank is a full-service community bank that provides comprehensive agricultural, commercial and consumer financial services. It is a subsidiary of Frandsen Financial Corporation, which is a multibank holding company with full-service community banking locations in three states, including Minnesota, Wisconsin and North Dakota. Valley Bank provides various types of loans that include automobile, boat, real estate, personal, education, debt consolidation and home equity loans. The bank offers individual retirement accounts, certificates of deposit, money market accounts, business checking and a variety of personal savings accounts. Additionally, it provides traveler s checks, prepaid cards, money orders, lockers, savings bonds and ATMs. The bank offers online account management, transfer of money and checking of balance information, payment of bills and inquiry options about transactions. Valley Bank is headquartered in North Mankato, Minn.