Personal Services

Wire Transfers

Wire Transfers are a convenient way for you to move money into and out of your accounts electronically. In order to ensure proper credit to your account for future incoming wire transfers, please give the following wiring instructions to the originating party:

Wire through Federal Reserve to Virginia Community Bank
     ABA # 051404037
For further credit to: Your Name and VCB account number

Wire Transfers Incoming $10.00
Wire Transfers Outgoing $20.00
Wire Transfers Outgoing – International $40.00

Overdraft Privilege*

It used to be that managing a checking account was a simple matter – write a check, enter it into the register, and reconcile each month.  These days, with debit card purchases, ATM transactions, electronic banking and automatic payments, it’s not so easy.  Still, it’s important to keep sufficient funds in your account and avoid the costly, inconvenient and potentially embarrassing experience of having a check or payment returned. At Virginia Community Bank, we want to save you from the additional merchant fees and possible damage to your credit history that might result if a check is returned. Click Here to review our Overdraft Coverage Options. If interested in Virginia Community Bank authorizing and paying overdrafts on your ATM and everyday debit card transactions please complete the Extended Coverage Consent Form and return it to us. *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.

Community Line

Our Community Line plan is designed to end checking account overdraft complications and charges by having a personal unsecured loan linked to your checking account. With our plan, you avoid costly overdraft charges and embarrassing delays. Apply now, and protect your good credit!

Safe Deposit Boxes*

A Safe Deposit Box is a convenient, secure way to protect valuables like jewelry and gems, securities and important documents like wills, deeds and birth certificates.  Inquire at your nearest VCB branch to learn more.

Annual Box Rental  
3 X 5 $25.00
5 X 5 $35.00
3 X 10 $45.00
5 X 10 $60.00
7 X 10 $75.00
10 X 10 $85.00

*Size and availability may vary by location.