Personal Checking Accounts | Virginia Commonwealth Bank

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Our Lobbies are by Appointment Only. Please refer to our Locations page for the hours for each branch.

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Virginia Commonwealth Bank offers a variety of personal checking accounts to meet all your banking needs.

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	FREE EXTREME Checking Open Now	FREE EXTREME Rewards Open Now	Golden Advantage Checking Account Open Now	Golden Advantage Plus Checking Open Now	First Interest Checking Open Now	Health Savings Account (HSA)
Minimum Opening Deposit	$100	$100	$500	$2,500	$500	$50
Balance Requirement	N/A	N/A	Minimum daily balance of $500 or average balance of $1,000	Minimum daily balance of $2,500	Minimum daily balance of $500	N/A
Maintenance Fee (if Balance Requirement not met)	N/A	N/A	$12.50 (waived if enrolled in direct deposit)	$10.00 (waived if enrolled in direct deposit)	$10.00 (waived if enrolled in direct deposit)	$3.00 Monthly Fee
Pays Interest	No	No	No	Tiered variable interest rate based on balance	Tiered variable interest rate based on balance	Yes- Interest rate changes quarterly based on previous quarter's US Treasury Bill rates
Checks	Checks are available at a cost	Checks are available at a cost	One free box of checks per year	One free box of checks per year	Checks are available at a cost	Checks are available at a cost
Unlimited Check Writing	Yes	Yes	Yes	Yes	Yes	Yes
ATM Fee Refunds (when using a non-VCB ATM)	Yes - 10 non-VCB domestic ATM transactions per statement cycle including the refund of other bank's fees	Yes - 10 non-VCB domestic ATM transactions per statement cycle including the refund of other bank's fees	Yes - 10 non-VCB domestic ATM transactions per statement cycle including the refund of other bank's fees	Yes - 10 non-VCB domestic ATM transactions per statement cycle including the refund of other bank's fees	No	No
Account Restrictions	None	Must have a recurring direct deposit in the amount of $100 or greater and enroll in eStatements	Primary account holder must be 55 or older	Primary account holder must be 55 or older	None	You must meet the following requirements: Health coverage under a high deductible health plan (HDHP), no other health insurance coverage that is not HDHP, not entitled to Medicare benefits and not claimed as a dependent on someone else's tax return.
Online Check Ordering	You can easily reorder your personal checks online via our partner, Deluxe.
Additional Account Benefits
All VCB checking accounts also include a Debit Card, Online Banking & Bill Pay, Mobile Banking & Mobile Deposit, Direct Deposit, and Overdraft Privilege (if you opt-in). Additionally, Overdraft Protection is also available for checking account customers, subject to credit approval. Learn more about Overdraft Privilege and Overdraft Protection

FREE EXTREME Checking Open Now
Minimum Opening Deposit	$100
Balance Requirement	N/A
Maintenance Fee (if Balance Requirement not met)	N/A
Pays Interest	No
Checks	Checks are available at a cost
Unlimited Check Writing	Yes
ATM Fee Refunds (when using a non-VCB ATM)	Yes - 10 non-VCB domestic ATM transactions per statement cycle including the refund of other bank's fees
Account Restrictions	None
Online Check Ordering	You can easily reorder your personal checks online via our partner, Deluxe.
FREE EXTREME Rewards Open Now
Minimum Opening Deposit	$100
Balance Requirement	N/A
Maintenance Fee (if Balance Requirement not met)	N/A
Pays Interest	No
Checks	Checks are available at a cost
Unlimited Check Writing	Yes
ATM Fee Refunds (when using a non-VCB ATM)	Yes - 10 non-VCB domestic ATM transactions per statement cycle including the refund of other bank's fees
Account Restrictions	Must have a recurring direct deposit in the amount of $100 or greater and enroll in eStatements
Online Check Ordering	You can easily reorder your personal checks online via our partner, Deluxe.
Golden Advantage Checking Account Open Now
Minimum Opening Deposit	$500
Balance Requirement	Minimum daily balance of $500 or average balance of $1,000
Maintenance Fee (if Balance Requirement not met)	$12.50 (waived if enrolled in direct deposit)
Pays Interest	No
Checks	One free box of checks per year
Unlimited Check Writing	Yes
ATM Fee Refunds (when using a non-VCB ATM)	Yes - 10 non-VCB domestic ATM transactions per statement cycle including the refund of other bank's fees
Account Restrictions	Primary account holder must be 55 or older
Online Check Ordering	You can easily reorder your personal checks online via our partner, Deluxe.
Golden Advantage Plus Checking Open Now
Minimum Opening Deposit	$2,500
Balance Requirement	Minimum daily balance of $2,500
Maintenance Fee (if Balance Requirement not met)	$10.00 (waived if enrolled in direct deposit)
Pays Interest	Tiered variable interest rate based on balance
Checks	One free box of checks per year
Unlimited Check Writing	Yes
ATM Fee Refunds (when using a non-VCB ATM)	Yes - 10 non-VCB domestic ATM transactions per statement cycle including the refund of other bank's fees
Account Restrictions	Primary account holder must be 55 or older
Online Check Ordering	You can easily reorder your personal checks online via our partner, Deluxe.
First Interest Checking Open Now
Minimum Opening Deposit	$500
Balance Requirement	Minimum daily balance of $500
Maintenance Fee (if Balance Requirement not met)	$10.00 (waived if enrolled in direct deposit)
Pays Interest	Tiered variable interest rate based on balance
Checks	Checks are available at a cost
Unlimited Check Writing	Yes
ATM Fee Refunds (when using a non-VCB ATM)	No
Account Restrictions	None
Health Savings Account (HSA)
Minimum Opening Deposit	$50
Balance Requirement	N/A
Maintenance Fee (if Balance Requirement not met)	$3.00 Monthly Fee
Pays Interest	Yes- Interest rate changes quarterly based on previous quarter's US Treasury Bill rates
Checks	Checks are available at a cost
Unlimited Check Writing	Yes
ATM Fee Refunds (when using a non-VCB ATM)	No
Account Restrictions	You must meet the following requirements: Health coverage under a high deductible health plan (HDHP), no other health insurance coverage that is not HDHP, not entitled to Medicare benefits and not claimed as a dependent on someone else's tax return.
Online Check Ordering	You can easily reorder your personal checks online via our partner, Deluxe.
Additional Account Benefits
All VCB checking accounts also include a Debit Card, Online Banking & Bill Pay, Mobile Banking & Mobile Deposit, Direct Deposit, and Overdraft Privilege (if you opt-in). Additionally, Overdraft Protection is also available for checking account customers, subject to credit approval. Learn more about Overdraft Privilege and Overdraft Protection

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First Interest Checking

This account earns you a favorable interest rate on your everyday checking, while giving you unlimited check writing privileges and more!

Minimum opening deposit required
Unlimited check writing privileges
Free Debit Card
Free Online and Mobile Banking
Tiered variable interest rate based on balance
No monthly maintenance fee if conditions are met

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Health Savings Account (HSAs)

If you have a high-deductible health plan, you qualify for our Health Savings Account, which is a demand-deposit account that bears interest. It's a great way to avoid financial difficulty when medical needs arise by setting aside funds to help pay for unexpected bills.

Account Features

Minimum opening deposit $50
Annual fee
Additional deposits accepted any time
Interest rate changes quarterly based on previous quarter's US Treasury Bill rates
Tax-free withdrawals can be made to pay or be reimbursed for qualified medical expenses incurred after establishing the HSA(learn more)

Advantages
There are several advantages with our Health Savings Account:

Tax deductions when you contribute to your account
Contributions may be invested in a FDIC insured deposit account with the Bank or in a variety of funds providing tax-free interest and investment earnings
Funds roll over from year to year
HSAs are individually owned and portable and it becomes the property of a designated beneficiary upon death
At age 65 years or older or if you have become disabled, disbursements for non-eligible expenses may be made without penalty but subject to income tax
Your contribution could be taken out of your paycheck before taxes (learn more)

Qualifications
To qualify for an HSA, you must meet the following requirements:

Health coverage under a high deductible health plan (HDHP)
No other health insurance coverage that is not HDHP
Not entitled to Medicare benefits
Not claimed as a dependent on someone else’s tax return