Skip to Content
Close Icon

Community Checking

Designed specifically for non-profit organizations, this account provides generous monthly transaction limits with no maintenance fee – allowing your organization to spend more time and resources on its mission.

What is included in addition to the standard services?

  • No minimum balance requirement
  • No maintenance fee requirement
  • Safekeeping for checks with check image return option
  • Overdraft Protection options, learn more>
  • Free electronic and debit card transactions

How do I qualify?

Your account must be a non-profit organized under IRC 501(c)(3), 501(c)(4) or 501(c)(9) and have a transaction activity of less than 500 items per month to avoid transaction fees.

Community Checking Accounts Come With

  • Online Business Banking with your choice of Cash Manager or Cash Manager Plus

  • Business Bill Pay with CheckFree® Guarantee1

  • Mobile Banking

  • TeleBank24 Telephone Banking with no-cost fund transfers, call 800-296-4968

1Some restrictions may apply – please see our CheckFree Guarantee terms and conditions for more information
2Non-C&F Bank ATM fees may apply
3Subject to credit approval

Open an
account today

Compare Our Business Checking Accounts

ProductCommercialBusiness InterestBusinessBusiness ValueCommunity
First 500 Debits, Credits & Items Deposited FREECheckmark
First 250 Debits, Credits & Items Deposited FREECheckmarkCheckmark

No Monthly Maintenance Service Charge

Checkmark

Checkmark

Free Electronic & Debit Card Transactions

Checkmark

Checkmark

Checkmark

Checkmark

Debit Card & Credit Card with Rewards

Checkmark

Checkmark

Checkmark

Checkmark

Checkmark

Online Banking and Bill Pay

Checkmark

Checkmark

Checkmark

Checkmark

Checkmark

Mobile Banking

Checkmark

Checkmark

Checkmark

Checkmark

Checkmark

Helpful Resources

Banking Resources

See all resources
ART 180
C&F Gives Back

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....

Read more about this
10 Tips to Keep Your Debit Card Safe[Draft]
Fraud Awareness

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...

Read more about this
Fredericksburg SPCA
C&F Gives Back

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...

Read more about this

We're happy to help

Customer Support

lost or stolen card

Notify us if you believe your card is lost or stolen.

Can't find your card?

online issues

Contact our customer service team for assistance with Online Banking.

Get support

locations & hours

Find your nearest C&F Bank location.

Find an open location

fraud prevention

Protect yourself against becoming a victim of fraud.

Stay informed

talk to us

Provide your feedback! We would love to hear about your experiences with C&F!

Your feedback matters
You are now leaving Citizens and Farmers Bank
Continue