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 EMAIL any of our convenient bank locations to schedule your C&F Relationship Review for a time that’s most convenient for you.

Do you enjoy banking with C&F Bank? Did you know that when you refer a friend or family members to C&F Bank you can receive a $25 reward? It's easy, and you don't have to be a C&F customer to earn rewards! Learn more.

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

  • No ATM fees with your C&F Debit Card at Sheetz (Find a Sheetz)

1 Some restrictions may apply – please see our CheckFree Guarantee terms and conditions for more information

2 Subject to credit approval

  • Performance Gold Checking

    Our premium account for higher balances offers the most features and benefits.

  • Performance Checking

    Our interest-bearing account provides growth for your checking balance.
  • Value Checking

    This popular choice is an economical account that still includes access to all the convenience of online and mobile banking.
  • Student Value Checking

    Active students ages 15-24 can open a low-requirement account for as little as $50.

  • Smart Start Checking

    Get a second chance and establish a new banking relationship with this account.
  • C&F Company Connection

    As an employee of a C&F business customer, you qualify for extra benefits like paycheck direct deposit, plus discounts and rewards on banking services!

Compare our Checking Accounts

Product

Performance Gold

Performance

Value

Student Value

Smart Start

C&F Company Connection

Premium Interest Rates

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Competitive Interest Rates

 

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Discounted Consumer Loan Rates

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Bonus Rates on Certificates of Deposit (including IRAs)

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C&F Debit Card with Rewards and C&F Rewards Credit Card

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Online Banking and Bill Pay

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Mobile Banking

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Open an Account

Call or stop by any of our bank locations today and speak with one of our relationship managers.

Find a Location

 

Performance Gold Checking

Our premium account for higher balances offers the most features and benefits.

What is included in addition to the standard services?

  • Premium interest paid on collected balances
  • No access fees for non C&F Bank ATM transactions
  • A combined monthly statement detailing all your account relationships
  • Discounted consumer loan rates
  • Bonus rates on Certificates of Deposit (including IRAs)
  • Free 3x5 Safe Deposit Box for the first year (based on availability)
  • One money market savings or statement savings account with monthly maintenance service charge waived
  • One free box of wallet-style checks (or a $5 credit toward checks of your choice)
  • No-fee cashier’s checks

How do I qualify?

$15,000 in combined personal deposit account balances or $25,000 in combined outstanding personal loan balances is required to avoid a monthly maintenance service charge.

Performance Checking

Our interest-bearing account provides growth for your checking balance.

What is included in addition to the standard services?

  • Competitive interest paid on collected balances
  • A combined monthly statement detailing all your account relationships
  • One money market savings or statement savings account with monthly maintenance service charge waived

How do I qualify?

$2,500 in combined average personal deposit balances in all eligible C&F deposit accounts or $15,000 in combined outstanding eligible personal loan balances.

Value Checking

This popular choice is an economical account that still includes access to all the convenience of online and mobile banking.

What is included in addition to the standard services?

  • A combined monthly statement detailing all your account relationships
  • One personal statement savings account with monthly maintenance service charge waived for first year

How do I qualify?

There are no specific requirements to qualify.

Open Account Online

Student Value Checking

Active students ages 15-24 can open a low-requirement account for as little as $50.

What is included in addition to the standard services?

  • A combined monthly statement detailing all your account relationships
  • No access fees for non C&F Bank ATM transactions
  • One money market savings or statement savings account with monthly maintenance service charge waived for the first year

How do I qualify?

The account holder must be an active student between the ages 15-24. Students under 18 years of age must have an adult co-signer.

Smart Start Checking

Get a second chance and establish a new banking relationship with this account.

What is included in addition to the standard services?

  • A combined monthly statement detailing all your account relationships
  • Unlimited check writing

How do I qualify?

There are no specific requirements to qualify and a low monthly maintenance service applies.

C&F Company Connection

As an employee of a C&F business customer, you qualify for extra benefits like paycheck direct deposit, plus discounts and rewards on banking services!

What is included in addition to the standard services?

  • Non-C&F Bank ATM transaction fees refunded up to $10 per month with presentation of receipts
  • A combined monthly statement with your C&F savings account
  • Discounted consumer loan rates
  • Free 3x5 Safe Deposit Box for the first year (based on availability)
  • One personal statement savings account with monthly maintenance service charge waived
  • One free box of wallet-style checks (or a $5 credit toward checks of your choice)

How do I qualify?

Your employer must be a C&F Company Connection partner.

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