Let us help you find the right personal checking account.
We open accounts a little differently here at C&F Bank because we take the time to first understand your banking preferences and needs before we make a product recommendation. By asking thoughtful questions and listening closely, your personal banker will do more than open a checking account for you— together, we will help you build a plan to achieve financial wellness. We call this process our C&F Relationship Review and it’s free of charge to all C&F Bank customers.
Call or e-mail any of our convenient bank locations to schedule your C&F Relationship Review for a time that’s most convenient for you.
The safety of your information security is important to us and we want you to know that while we may contact you regarding suspicious account activity, we will never ask you to provide your login credentials over the phone or via e-mail.
Personal Checking Accounts
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Performance Gold Checking
Our premium account for higher balances offers the most features and benefits.
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All our personal checking accounts come packed with these standard services:
Online Banking
Online Bill Pay with CheckFree® Guarantee1
Mobile Banking
TeleBank24 Telephone Banking with no-cost fund transfers: Call 800.296.4968
eStatements: Enroll now
No ATM fees with your C&F Debit Card at Sheetz
Debit Card with Round Up option
Secure chip card transactions with all debit and credit cards
Unlimited check writing
1Some restrictions may apply – please see our CheckFree Guarantee terms and conditions for more information
2Subject to credit approval
Compare Our Checking Accounts
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Premium Interest Rates |
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Competitive Interest Rates |
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Discounted Consumer Loan Rates |
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One Money Market Savings or Statement Savings Account with the Monthly Maintenance Service Charge Waived |  | | |||
One Statement Savings Account with the Monthly Maintenance Service Charge Waived for the First Year | | | |||
Bonus Rates on Certificates of Deposit (including IRAs) |
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C&F Rewards Credit Card |
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Debit Card with Round Up option | | | | | |
Online Banking, Bill Pay and Zelle® |
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Mobile Banking and Zelle® |
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Helpful Resources
Banking Resources
ART 180
C&F Bank proudly partnered with ART 180 to support youth arts in Richmond and donated funds, volunteered time, and helped prepare for their Showcase Gala....
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10 Tips to Keep Your Debit Card Safe
Your debit card is a convenient way to access your money, but it’s also a target for fraudsters. At C&F Bank, we care about your financial security...
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Fredericksburg SPCA
From donations to volunteer hours and a special adoption event, C&F Bank supported the Fredericksburg SPCA’s no-kill mission—helping pets find...
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