Checking Accounts

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

 All Virginia Community Bank Personal Checking Accounts receive:

  • Virginia Community Bank Debit Card
  • EZ Online Banking (online banking access with bill pay)
  • Mobile Banking with Check Deposit
  • Mobile App for Debit Card monitoring
  • Unlimited use of Virginia Community Bank ATMs*
  • Unlimited electronic transactions (ACH,debits)
  • Notary Service
  • 24-Hour Telephone Banking
  • Overdraft Privilege**


Our premier checking account with the following features:

  • IDProtect® – Identity Theft Protection Service1,2
  • Cellular Telephone Protection3
  • Discounted Gas & Gift Cards1
  • Child ID Kit1
  • Free Cashier’s Checks
  • One free Box of VCB Checks per year

Monthly Service Charge of $12 is easy to reduce or eliminate:

  • Sign up for eStatements – your service charge will reduce by $2
  • Use your VISA debit card 20 times per statement cycle – your service charge will reduce by $2
  • One Direct Deposit per month – your service charge will reduce by $2
  • Actively enrolled in VCB Bill Pay – your service charge will reduce by $2
  • Or, maintain an average statement cycle minimum balance of $1,000 to eliminate the $12 service charge

1Registration/activation required
2IDProtect service is a personal identity theft protection service available to personal checking account owners, their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner.  Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students.  For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members.  For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered).   Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household
3Special Insurance Program Notes:  The descriptions herein are summaries only.  They do not include all terms, conditions and exclusions of the policies described.  Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.

Insurance products: are not a deposit, are not FDIC insured, are not insured by any federal governmental agency, are not guaranteed by the bank or any bank affiliate.

Hometown Interest Checking

Hometown Interest Checking is a checking account that earns interest.

  • Minimum opening deposit of $100.00
  • Average statement cycle minimum balance of $1,000 or greater waives the $12.50 service fee
  • Interest rates are subject to change at any time, and the interest is credited monthly. Click here for current rates.

Green Checking

  • Minimum opening deposit of $50.00
  • No Minimum Balance Requirement
  • eStatement Required
  • Service Charge of $6 is assessed if physical item count exceeds 30 per statement cycle

Lifetime Checking

Our free checking account is perfect for individuals age 60 or older.

  • Minimum opening deposit of $50.00
  • One Free Box of VCB Checks per year
  • No Service Charge
  • No Minimum Balance Requirement

Start Checking

Our Student Checking account is perfect for students aged 16-24.

  • Minimum opening deposit of $50.00
  • No Minimum Balance Requirement
  • Free Introductory Check Order at Account Opening
  • Credit Card with Co-Signor (Applicant must be at least 18 years old).  Subject to credit approval


*Fees may apply for transactions at ATMs not owned by Virginia Community Bank and Overdraft and Return Item fees may apply.
**Account holders will not be eligible for Overdraft Privilege 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 Privilege 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 Privilege, all balances must be paid in full within 30 days.