Checking Accounts

Checking Accounts

Personal Checking is easy with the right Virginia Community Bank account. Discover which of our checking account options best meets your needs.

Truly Free Checking

Our free checking account that has no monthly service charge, featuring these benefits:

  • No minimum balance requirement
  • Free Online Banking and Bill Pay
  • Minimum opening deposit of only $50
  • E-Statements


Community Checking

Our non-interest bearing account featuring:

  • Statement cycle minimum daily balance of $300 or greater; or the average statement cycle balance is $500 or greater waives the $10 Monthly Service Fee.
  • Minimum opening deposit of $100.00.

Hometown Interest Checking

Hometown Interest Checking is a checking account that earns interest.

  • Average statement cycle minimum balance of $1,000 or greater waives the $12.50 Monthly Service Fee.
  • Minimum opening deposit of $100.00.
  • Free Personalized Checks (2 orders of select style per year)
  • Interest rates are subject to change at any time, and the interest is credited monthly. Click here for current rates.

Senior Checking

Our free checking account is perfect for individuals age 55 or older.

  • No minimum balance or monthly service fee
  • Minimum opening deposit of $100.00.

Student Checking

Our Free Student Checking account is perfect for students aged 16-24. It includes:

  • No minimum balance or monthly service fee
  • Minimum opening deposit of $25.00.
  • E-Statements

Note: Students under 18 must have an account cosigner