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Checking

When it comes to checking account choices and convenient ways to access your funds, you'll find that we provide a full array of products and services designed to fit your individual needs.

Learn about our personal checking options below.

Personal Checking Accounts

Everyday Banking

A low cost checking account with basic benefits.

  • Unlimited check writing and receive a trial order of checks FREE.
  • MoneyPass® ATM Surcharge Free Network
  • FREE Online Banking, Online Bill Payment Services, Mobile Banking, Card Valet and eStatements.
  • FREE personal service. Our helpful tellers will handle all your transactions at any of our convenient offices at no charge!
  • $3 paper statement fee. This fee is easily waived by completing one of the following each month: a) 10 Visa Debit Card transaction, b) be enrolled in eStatements, or c) maintain an average monthly balance of $500. Free for those 62 or better. 

Open a New Account

Student Banking

Student Banking is a great fit for individuals up to the age of 24.

  • MoneyPass® Network, + Unlimited ATM refunds per statement cycle
  • FREE Online Banking, Online Bill Payment Services, Mobile Banking, Card Valet and eStatements
  • No paper statement fee by completing one of the following each month: a) 10 Visa Debit Card transactions b) be enrolled in eStatements, or c) maintain an average balance of $500. If one of these conditions isn’t met monthly, the paper statement fee is $3.

Open a New Account

Alliance Banking

Alliance Banking is a relationship banking product with all the features of our best checking accounts plus many additional advantages.

  • MoneyPass® Network, + Unlimited ATM refunds per statement cycle
  • Earn interest when you maintain an average balance of $1,250.
  • Unlimited check writing and receive standard checks for FREE.
  • FREE Online Banking, Online Bill Payment Services, Mobile Banking, Card Valet and eStatements.
  • FREE personal service. Our helpful tellers will handle all your transactions at any of our convenient offices at no charge!
  • Avoid monthly maintenance fee of $15 by maintaining a $10,000 relationship with Bank of Botetourt.

Open a New Account

Timeless Banking

Our premium account for individuals age 55 or better, offers interest, free check, and much more!

  • MoneyPass® Network, + 3 ATM refunds per statement cycle
  • Earn interest when you maintain an average balance of $750.
  • Unlimited check writing, and standard checks for FREE.
  • FREE Online Banking, Online Bill Payment Services, Mobile Banking and eStatements.
  • FREE personal service. Our helpful tellers will handle all your transactions at any of our convenient offices at no charge!
  • Avoid a monthly maintenance fee of $7 by maintaining an average balance of $750.

Open a New Account

Additional service fees and restrictions may be applicable to these accounts. Please review the bank's personal account disclosures for more information.
* Standard credit approval criteria apply for online bill payment services and VISA credit cards.

 Everyday BankingAlliance BankingTimeless BankingStudent Banking
Minimum Opening Balance $50 $50 $50 $25
Monthly Pricing  $0 $15 $7 $0
How to Avoid Monthly Charge No Charge Maintain $10,000 Relationship Balance Maintain $750 Average Balance No Charge
ATM Access

MoneyPass® ATM Surcharge Free Network

MoneyPass® Network, +Unlimited ATM Refunds per Statement Cycle MoneyPass® Network,
+ 3 ATM Refunds per
Statement Cycle
MoneyPass® Network, +Unlimited ATM Refunds per Statement Cycle
Average Balance Requirement for Interest N/A $1,250 $750 N/A
Checks  Unlimited check writing; First order of checks free Unlimited check writing; Free standard checks or discount on specialty checks; free cashier's checks Unlimited check writing; Free standard checks or discount on specialty checks; Free cashier's checks Unlimited check writing
Free Check Image Statement  Complete one of the following monthly to avoid a $3 paper statement fee* Yes Yes Complete one of the following monthly to avoid a $3 paper statement fee*
Free Small Safe Deposit Box or Discount on Larger Box N/A Yes Yes N/A

*Enroll in e-Statements or 10 Visa® Debit Card transactions or Maintain $500 average monthly balance
Free for those 62 and better (only for Everyday Checking)

 

Free with EVERY checking Account:

  • Online Banking w/ Optional Bill Pay
  • Mobile Banking w/ Mobile Deposit
  • Instant Issue Debit Card
  • CardValet®
  • 24 Hour Telephone Banking 
  • e-Statements & Text/ Email Alerts
  • Unlimited Teller Transactions
  • Notary Service
  • Overdraft Transfers
  • Apple Pay®, Google Pay™, & Samsung Pay®

 

Get a debit card instantly!

Your checking account is central to your financial life so once it's set up, it's understandable you want to begin using it right away. With our instant issue debit cards, you can begin making purchases with funds from your account anywhere VISA® Debit Cards are accepted.

Click here to find out more

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Mobile Banking

Do you want to save time and money? What about pay bills, transfer funds, and make deposits with ease? Enroll today and bank from anywhere!

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Important Info

Routing Number: 051402550

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