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Checking

Our expert staff can help you choose the right checking account based on your unique needs. Each account offers online and mobile banking services, along with a full list of other benefits.

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

couple banking on laptop

Performance Gold Checking

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

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Performance Checking

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

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Access Checking

This popular account is designed for customers who value convenience in the form of access to the latest digital services.

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Access Checking for Students

Students ages 13-24 can enjoy Access Checking until their 25th birthday.

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Smart Start Checking

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

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C&F Company Connection Program

Your employer will want to take advantage of being a C&F Company Connection partner. This partnership entitles you, as an employee of that business, to many exciting 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

1Some restrictions may apply – please see our CheckFree Guarantee terms and conditions for more information
2Subject to credit approval

Compare Our Checking Accounts

Product

Performance Gold

Performance

Access

Access for Students

Smart Start

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

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One Statement Savings Account with the Monthly Maintenance Service Charge Waived for the First Year

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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

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Online Banking, Bill Pay and Zelle®

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Mobile Banking and Zelle®

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Helpful Resources

Banking Resources

See all resources
Phishing: Don't Take The Bait
Fraud Awareness

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,...

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Matt Hubbard
Press Release

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,...

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Children's Hospital of the King's Daughters (CHKD)
C&F Gives Back

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!

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