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      • Checking Accounts
        • Overdraft Solutions
      • Savings Accounts
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      • 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®
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    • Banking
      • Checking Accounts
      • Savings Accounts
      • ICS & CDARS
      • Treasury Solutions
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        • Commercial Banking Team
      • Business Visa Credit Cards
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Golden Advantage <span>Your Future Just Got Brighter</span>

Golden Advantage Your Future Just Got Brighter

Plan for Tomorrow, Enjoy Today

Explore a new city, plan for tomorrow, enjoy exclusive discounts at your favorite stores and restaurants. When you're 55 or better, life is an adventure that begins with a single step -- into your neighborhood Virginia Commonwealth Bank branch. Enrolling in our Golden Advantage program gives you access to exclusive benefits with financial products and services, discounts with select local Merchants to financial planning assistance, escorted travel and much more.

 

Open An Account Today!

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Learn More
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Golden Advantage Money Market*

As a Golden Advantage Member, you can open a Golden Advantage Money Market for an even higher rate on your savings. Not only will you earn more interest, but you will also have the benefit of liquid savings and the convenience of being able to write checks!

  • Open with $1,000
  • No monthly maintenance fee as long as your balance does not fall below $1,000
  • Special interest rate for Golden Advantage Checking customers only

This account is subject to Regulation D transaction limitations. Transactions are restricted to six (6) third-party transactions. These include payments by check draft or similar order to third parties, telephone or online banking transfers, and overdraft protection transfers. Preauthorized transfers in excess of six (6) per calendar month will assess a $10 fee per item.

Golden Advantage Checking

Order Your Checks OnlineTo join the Golden Advantage Club, open a Golden Advantage checking account with only $500.

  • No monthly maintenance fee as long as balance does not fall below $500 or with Direct Deposit
  • Free personalized Golden Advantage Checks (1 box per year)
  • No per check charges
  • 24-Hour access with ATM, Debit Card, Telebanking, Online and Mobile Banking
  • Refund of up to 10 non-Virginia Commonwealth Bank domestic ATM transactions per statement cycle, including other banks' fees
  • Free Debit Mastercard® with choice of background image
  • Direct deposit and automatic debit
  • No monthly maintenance fee or minimum balance required with electronic direct deposit
  • 10% Safe Discount Box discount with Automatic Debit
  • Free VCB residential mortgage appraisal with a cap of $500
Make the Switch Today

Start banking with VCB and download our Switch Kit to get started. You’ll find all the information you need to make the move to better banking!

Download the VCB Switch Kit

Get the Golden Advantage Savings
Get the Golden Advantage Savings

If you're 55 or better, you can take advantage of VCB's Golden Advantage program, offering a special rate for CDs and Money Market Accounts for members only.

Learn More

Golden Advantage Checking

Order Your Checks OnlineTo join the Golden Advantage Club, open a Golden Advantage checking account with only $500.

  • No monthly maintenance fee as long as balance does not fall below $500 or with Direct Deposit
  • Free personalized Golden Advantage Checks (1 box per year)
  • No per check charges
  • 24-Hour access with ATM, Debit Card, Telebanking, Online and Mobile Banking
  • Refund of up to 10 non-Virginia Commonwealth Bank domestic ATM transactions per statement cycle, including other banks' fees
  • Free Debit Mastercard® with choice of background image
  • 10% Safe Discount Box discount with Automatic Debit
  • Free VCB residential mortgage appraisal with a cap of $500


Open Now
 

Make the Switch Today

Start banking with VCB and download our Switch Kit to get started. You’ll find all the information you need to make the move to better banking!

Download the VCB Switch Kit

Golden Advantage Savings*

If you have an Golden Advantage Checking Account, you can also take advantage of our Golden Advantage Savings Account. Featuring online withdrawals and transfers.
 

  • Open with only $1
     
  • No minimum balance requirement
     
  • Special interest rate for Golden Advantage Checking account customers only


Open Now

 

This account is subject to Regulation D transaction limitations. Transactions are restricted to six (6) third-party transactions. These include payments by check draft or similar order to third parties, telephone or online banking transfers, and overdraft protection transfers. Preauthorized transfers in excess of six (6) per calendar month will assess a $10 fee per item.

Golden Advantage Certificate of Deposit (CD)

When you are ready to save for the future with a longer-term savings option and higher rates, there's our Golden Advantage CDs. As a Golden Advantage Member, you’ll benefit from even higher rates than our standard CDs.
 

  • Open with $1,000
     
  • Fixed rates, higher than regular savings
     
  • 1 Year, 30 Months, 3 Years, 4 Years or 5 Years terms
     
  • Early withdrawals subject to penalty
     
  • Special interest rate for Golden Advantage Checking customers only

 

Golden Advantage Plus

Order Your Checks OnlineYou can also join the Golden Advantage Club with the Golden Advantage Plus Account, an interest-bearing account with unlimited check writing!

  • All of the additional benefits of Golden Advantage Checking from above, plus...
  • Open with $2,500
  • No monthly maintenance fee as long as your daily balance does not fall below $2,500 or direct deposit  is applied to the account
Higher Balance, Higher Interest

If you keep a little higher balance in your checking account, a Golden Advantage Plus account may be right for you. Need help switching from another financial institution? Our Switch Kit can make it easy!


Open Now
 

Make the Switch Today

Start banking with VCB and download our Switch Kit to get started. You’ll find all the information you need to make the move to better banking!

Download the VCB Switch Kit

Golden Advantage Money Market*

As a Golden Advantage Member, you can open a Golden Advantage Money Market for an even higher rate on your savings. Not only will you earn more interest, but you will also have the benefit of liquid savings and the convenience of being able to write checks!
 

  • Open with $1,000
     
  • No monthly maintenance fee as long as your balance does not fall below $1,000
     
  • Special interest rate for Golden Advantage Checking customers only


Open Now

 This account is subject to Regulation D transaction limitations. Transactions are restricted to six (6) third-party transactions. These include payments by check draft or similar order to third parties, telephone or online banking transfers, and overdraft protection transfers. Preauthorized transfers in excess of six (6) per calendar month will assess a $10 fee per item.

Golden Advantage Merchant Program

With your Golden Advantage Club membership, you can save money with local merchants that are part of our Golden Advantage Merchant Sponsor program. Be sure to check out all of the opportunities to save today!

Local Merchant Partners

Golden Advantage Newsletter

Keep up to date with Golden Advantage through our quarterly newsletter! The newsletter includes current topics like eStatements, global entry and TSA pre-check to upcoming trips and merchant information.

Download Current Issue

Join Us For Upcoming Golden Advantage Trips

Travel across the United States and around the world with your friends at Virginia Commonwealth Bank. With trips ranging from just a day to more than a week, you’ll make new friends in a fun and safe environment. Keep in mind, our trips are first come, first served. 

Alaska Discovery Land & Cruise (July 14- 25, 2020)

The Northern Lights of Finland (October 31- November 7, 2020)

Croatia & Its Islands (October 8-19, 2021)

 

 

 

<div class="mobile-center">Meet Your Golden Advantage Team!</div>

Meet Your Golden Advantage Team!

Judy Fay
Golden Advantage Program Director

We would love to hear from you! Email us by clicking the button below or give us a call (844) 404-9668.

Get In Touch

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