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 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: No monthly fee with eStatements. 

Statement Options
  • There is no charge to receive eStatements.
  • Paper statements incur a $4.00 / month charge.

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

Free Checks: No

Free Safe Deposit Box: No

Cardinal Checking

Minimum To Open: $100

Interest Bearing: Yes

Monthly Fee: No monthly fee by…
  • Maintaining a daily collected balance of $500 or by

Cardinal Checking offers the flexibility to choose 3 account features: 

  • Interest rate increase of .25% on Cardinal Checking rate
  • Free 3 x 5 Safe Deposit Box
  • Free checks
  • Free ATM withdrawals
  • 1 no penalty CD withdrawal
  • CD rate increase of .25% on any single new CD

*Interest rates subject to change
**Free e-statements or $4 paper statement fee

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

Other:
  • No fee to purchase 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  • No penalty for one-time CD withdrawal for emergency purposes (Penalty applies if CD is withdrawn within the first six days after account opening)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: No. However, receive a $25 credit toward the rental of a safe deposit box.

Other:
  • No fee to purchase cashier’s checks or for notary service

How to Reorder Checks

Order your checks online and at your convenience 24 hours a day/7 days a week.

Bank of the James orders checks through Deluxe. You may re-order your checks online by following these instructions. You will be instructed to provide a control number, an ABA number and the last 4 digits of your account number. You can get this information directly from your re-order form. Normal check printing charges will apply.

Overdraft Protection

Bank of the James offers options for overdraft protection on your checking account, which may help you to prevent from having your ATM and debit card transactions declined for insufficient funds in case of financial emergencies, unexpected expenses, or account balancing errors. You can set up your accounts to automatically transfer funds to your Bank of the James checking account from another Bank of the James checking or savings account, or from your Overdraft Line of Credit (subject to credit approval). Just ask us for details, and we will set up your account for your needs.

Deposit Cut-Off Times

Depositing checks or cash? Here are the options and cut-off times, and when you can expect your deposit to show up on our account.

Using mobile deposit?  Make your check deposit by 7:00PM, Monday through Friday for credit as soon as the same day*. 

Using a Bank of the James ATM? Deposit check or cash by 5:00PM, Monday through Friday, for credit as soon as the same day*. 

Visiting a branch? Deposit check or cash before closing for same day credit*. Operating hours vary between branches, so please check hours prior to visiting.

(*Deposits are subject to review and availability of funds may be delayed in accordance with Federal Regulation)