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
.webp)
Performance Gold Checking
Our premium account for higher balances offers the most features and benefits.
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
Product | |||||
---|---|---|---|---|---|
Premium Interest Rates | |||||
Competitive Interest Rates | |||||
Discounted Consumer Loan Rates | |||||
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) | |||||
C&F Rewards Credit Card | |||||
Debit Card with Round Up option | ![]() | ![]() | ![]() | ![]() | ![]() |
Online Banking, Bill Pay and Zelle® | |||||
Mobile Banking and Zelle® |
Open an
account today
Helpful Resources
Banking Resources

Phishing: Don't Take The Bait
Phishing scams are on the rise. Learn how to spot red flags, avoid common traps, and protect your personal info. This guide breaks down how phishing works,...
Read more about this
C&F Bank Expands Footprint into Southwest Virginia
C&F Bank expands into Southwest Virginia with a seasoned team led by Matt Hubbard as Regional President. Serving Roanoke, Lynchburg, Danville, Martinsville,...
Read more about this
Children's Hospital of the King's Daughters (CHKD)
C&F Gives Back: Putting the squeeze on childhood cancer with $1,800 raised for CHKD’s Cancer & Blood Disorders Center through our LemonAid stands!
Read more about thisWe're happy to help
Customer Support
talk to us
Provide your feedback! We would love to hear about your experiences with C&F!
Your feedback matters