Search Locate A Branch

Money Market Account

bank of the james card used for money marketFlexibility with savings account interest.

An interest-bearing money market account offers some of the flexibility of a checking account paired with the interest structure of a savings account. While interest rates for this account are normally higher than those for our checking accounts, minimum balance requirements are higher and there are limits on the number of monthly transactions.

Money Market Account Details:

Minimum to Open: $2,500
Interest Bearing: Yes
Monthly Fee: No monthly service fee by maintaining a minimum balance of $2,500
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

  • Interest paid on two tier levels: $2,500 to $99,999.99; and $100,000 to $999,999.99; $1,000,000 maximum balance
  • Up to six withdrawals per statement cycle (checks, transfers or debit cards); Unlimited in-bank counter withdrawals and Bank of the James ATM transactions.

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 for Credit Approval