What is included in addition to the standard services?
- A C&F Relationship Review with one of our representatives to build a plan for budgeting, saving, and borrowing.
- C&F Bank’s full suite of digital banking services
- A combined monthly eStatement detailing all your account relationships
- Waived fees for account dormancy, account activation, and closure costs
- All overdraft and non-sufficient funds fees are suppressed
How do I qualify?
- eStatement required
- $5 monthly maintenance fee applies
Smart Start Checking Accounts Come With
- 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
- C&F Rewards Credit Card2
- Secure chip card transactions with all debit and credit cards
- Unlimited check writing
- Your choice of Overdraft Services
1Some restrictions may apply – please see our CheckFree Guarantee terms and conditions for more information
2Subject to credit approval
Open an
account today
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
Personal 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....
Read more about this![10 Tips to Keep Your Debit Card Safe[Draft]](/uploads/blog/thumbs/b19190f45b1a1c9f2e391879cef520f1.jpg)
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...
Read more about thisWe're happy to help
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