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Checking Accounts

Find the perfect checking account for you.

Bank of the James offers a full range of checking accounts to give you the flexibility you need to manage your money conveniently and easily. Whether you’re looking for an account with no minimum balance requirements, or are interested in an interest bearing account, Bank of the James has the right checking program for you.

Jefferson Checking

Minimum To Open: $100

Interest Bearing: No

Monthly Fee:

  • $3.00 monthly service charge
  • Avoid fee by maintaining a $100 daily collected balance or receiving monthly e-statements or having a direct deposit associated with this account.

ATM Fees: No transaction fee for use of Bank of the James ATMs

Free Checks: No

Free Safe Deposit Box: No

Interest Checking

Minimum To Open: $100

Interest Bearing: Yes

Monthly Fee: No monthly service fee by…

  • Maintaining a daily collected balance of $750 or by
  • Maintaining a daily collected balance of $1,500 in a combination of Bank of the James deposit accounts linked by the same ownership

ATM Fees: No transaction fee for use of Bank of the James ATMs

Free Checks: No

Free Safe Deposit Box: No

50 Plus Checking

Minimum To Open: $100

Interest Bearing: Yes

Monthly Fee: No monthly service fee by…

  • Maintaining a daily collected balance of $500 or by
  • Maintaining $1000 in a combination of Bank of the James deposit accounts linked by the same ownership

ATM Fees: No transaction fee for use of Bank of the James ATMs

Free Checks: Free personalized standard wallet-style checks

Free Safe Deposit Box: No. However, receive a $25 credit toward the rental of a safe deposit box

Other:

  • No fee to purchase traveler’s checks, cashier’s checks or for notary service
  • No penalty for one-time CD withdrawal for emergency purposes (Penalty applies if CD is withdrawn within the first six days after account opening)

James River Checking

Minimum To Open: $100

Interest Bearing: Yes

Monthly Fee: No monthly service fee by…

  • Maintaining a daily collected balance of $1,000 or by
  • Maintaining $10,000 in a combination of Bank of the James deposit accounts linked by the same ownership

ATM Fees: No transaction fee for use of Bank of the James ATMs. Four (4) free withdrawals per statement cycle at non-Bank of the James ATMs.

Free Checks: Free personalized standard wallet-style checks

Free Safe Deposit Box: Free 3×5 safe deposit box or credit toward a larger box (Subject to availability)

Other:

  • No fee to purchase traveler’s checks, cashier’s checks or for notary service

Express Checking for Students

Minimum To Open: $25

Interest Bearing: No

Monthly Fee: No monthly service fee by…

  • Enrolling in e-statements

ATM Fees: No transaction fee for use of Bank of the James ATMs as well as unlimited non-Bank of the James ATM transactions per statement cycle

Free Checks: No

Free Safe Deposit Box: No

Other: 

  • This program is especially tailored for students 16-24 years of age. 

All of our checking accounts offer:

Free Online Banking with Bill Pay
Free Mobile Money*
ATM & VISA Debit/Check Card Available
Unlimited Check Writing
Your choice of Paper or e-Statements
Telephone Banking
Overdraft Protection Available**
No transaction fee for use of Bank of the James ATM

*Bank of the James does not charge for Mobile Money; however, your service provider may charge fees for use of mobile/text banking services. Please note that Bank of the James is not engaged in rendering of tax, investment or legal advice. All accounts are subject to credit approval. Service charges and fees could reduce earnings. For complete details on our checking accounts and related products and services, please contact one of our branch locations.
**Overdraft Protection – Subject to Credit Approval

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