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      • Golden Advantage
      • Checking Accounts
        • Overdraft Solutions
      • Savings Accounts
      • Additional Services
    • Loans
      • Mortgages
        • Home Mortgage Lenders
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      • Mobile and Online Banking
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        • Zelle® FAQs
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    • Banking
      • EXTREME Banking
      • Golden Advantage
      • Checking Accounts
        • Overdraft Solutions
      • Savings Accounts
      • Additional Services
    • Loans
      • Mortgages
        • Home Mortgage Lenders
      • Personal Visa Credit Cards
    • Mobile & Online Banking Services
      • Mobile and Online Banking
      • Bill Pay
      • Digital Wallet
      • VCB CardSecure
      • Zelle®
        • Zelle® FAQs
      • TransferNow®
  • Business
    • Banking
      • Checking Accounts
      • Savings Accounts
      • ICS & CDARS
      • Treasury Solutions
      • 1031 Tax-Free Exchange
    • Business Loans
      • Commercial Loans
        • Commercial Banking Team
      • Business Visa Credit Cards
    • eServices
  • Private Banking
  • Investments
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    • News
    • Careers
    • Financial Calculators
    • Security Center
      • Identity Theft Protection
  • Contact
Make the Switch Login
  • Personal
    • Banking
      • EXTREME Banking
      • Golden Advantage
      • Checking Accounts
        • Overdraft Solutions
      • Savings Accounts
      • Additional Services
    • Loans
      • Mortgages
        • Home Mortgage Lenders
      • Personal Visa Credit Cards
    • Mobile & Online Banking Services
      • Mobile and Online Banking
      • Bill Pay
      • Digital Wallet
      • VCB CardSecure
      • Zelle®
        • Zelle® FAQs
      • TransferNow®
  • Business
    • Banking
      • Checking Accounts
      • Savings Accounts
      • ICS & CDARS
      • Treasury Solutions
      • 1031 Tax-Free Exchange
    • Business Loans
      • Commercial Loans
        • Commercial Banking Team
      • Business Visa Credit Cards
    • eServices
  • Private Banking
  • Investments
  • Resources
    • News
    • Careers
    • Financial Calculators
    • Security Center
      • Identity Theft Protection
  • Contact
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Our Lobbies are by Appointment Only. Please refer to our Locations page for the hours for each branch. 
Personal Checking <span>That Meets All Your Needs</span>

Personal Checking That Meets All Your Needs

Compare Our Accounts

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

 Reorder Checks!

 

 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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Make The Switch to Better Banking

We make banking with VCB easy with our Switch Kit. Download the forms and we’ll help get you up and running with your new accounts in no time.

Download VCB's Switch Kit

First Interest Checking

Order Your Checks Online

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


Open Now

View Full Grid

 

Health Savings Account (HSAs)

Order Your Checks Online

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

     

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