Virginia Commonwealth Bank

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Personal Checking

We have Personal Checking Accounts to fit any need, including all the convenient features you want like ...

  • Free debit card
  • Online or mobile banking
  • Bill pay
  • e-statements

Learn more about the features and benefits below. And if you want to quickly compare them just click here. Then stop into any of our branches and we will be happy assist you with the account that fits your needs best.

First Free Checking

This traditional account gives you unlimited check writing with no monthly
maintenance fees.


First Interest Checking

This account earns you a favorable interest rate on your everyday checking, and gives you unlimited check writing. With direct deposit or a minimum daily balance of $500 or more, you can avoid the small monthly service fee.

Golden Advantage Checking

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 financial and lifestyle products and services, from free Golden Advantage checks to financial planning assistance, escorted travel and much more.



Online Banking and Bill Pay

You can handle much of your everyday banking at any time of day using your computer. Even pay your bills without the hassle of writing checks or mailing them. If you have an existing VCB Checking Account, you can be set up in just minutes.

Sign Up for Online Banking and Bill Pay with Virginia Commonwealth Bank!



Personal Online Banking customers can now view their statements online and make the Earth a little greener. All it takes is your email address!

Sign up here for e-statements from Virginia Commonwealth Bank!

Debit Card

A VCB MasterMoneyTM Card will make your everyday banking easier. Use it anywhere that accepts MasterCard debit transactions and you won't have to carry cash or write a check. You can also use it to instantly get cash at any VCB ATM and thousands of other ATMs worldwide. Just stop into your nearest branch office and we'll sign you up.

MasterCard Secure Code. This is an online security service to help guard against the unauthorized use of your MasterCard debit card while shopping online at participating merchants. There is no need to get a new card, no software to download, no cost and no hassles – just added security.

Register here for a VCB Debit Card


Overdraft Protection

You can avoid inconvenience and fees of insufficient funds or returned checks by signing up for Overdraft Protection. We'll link your checking account to another VCB account and transfer $100 increments to cover any overdrafts. Just stop into your nearest branch to learn more and to sign up.

Useful Links
Click a link below to get more information.

Comparison Chart
Rate Sheet
Privacy Policy
Reorder Checks
Obtain Credit Report

Since Virginia Commonwealth is a small bank, dedicated to serving the needs of our local communities, deposit accounts and loan applications are accepted only from residents of the communities served by our branch offices and their surroundings.