Deposit Accounts

Checking and savings accounts are at the heart of any banking relationship.  We’ve designed both categories to give you a range of choices with the features you want, but all of them share convenience and value.  All Virginia Community Bank Personal Checking Accounts receive:

  • Virginia Community Bank Debit Card
  • EZ Online Banking (online banking access with bill pay)
  • Unlimited use of Virginia Community Bank ATMs*
  • Unlimited check writing and electronic transactions (ACH,debits)
  • Notary Service
  • 24 hour Telephone Banking
  • Overdraft Protection**

*Fees may apply for transactions at ATMs not owned by Virginia Community Bank and that Overdraft and Return Item fees may apply
**Account holders will not be eligible for Overdraft Protection until the account has been established for 30 days.  Overdraft limits vary based on account types.  All items presented will be paid from the Overdraft Protection provided the funds are available including the overdraft fee of $35.  The overdraft fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means.  In the event that overdraft funds are available but the balance will not allow the fee to be assessed the item will not be paid.  To avoid uninterrupted access to Overdraft Protection, all balances must be paid in full within 30 days.