Personal Banking

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. If you don't see what you're looking for on this list, or if you have additional questions, just give us a call at 540-591-5000 or stop by one of our convenient locations. One of our dedicated employees will be happy to assist you over the phone or in person.

Everyday Banking

A low cost checking account with basic benefits. 

  • Basic BaZing® Benefits
  • Earn interest when you maintain an average balance of $750.
  • Unlimited check writing, and receive a trial order of checks 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!
  • $3.95 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.

Student Banking

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

  • Full BaZing Benefits
  • No ATM fees
  • Earn interest when you maintain an average balance of $750
  • FREE debit card and unlimited debit card usage
  • FREE Card Valet for your debit card
  • FREE Online Banking, Online Bill Payment Services, Mobile Banking and eStatements
  • FREE personal service through Online Chat
  • FREE personal service.  Our helpful tellers will handle all of your transactions at any of our convenient offices at no charge.
  • 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 $3.95.

Ideal Banking

Do you have a cell phone or look for deals when you shop?

  • Full BaZing® Benefits
  • Earn interest when you maintain an average balance of $750. 
  • Unlimited check writing, and receive a trial order of checks 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!
  • Monthly maintenance fee of $4.95.

Alliance Banking

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

  • Full BaZing® Benefits
  • 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 and eStatements.
  • FREE personal service.  Our helpful tellers will handle all your transactions at any of our convenient offices at no charge!
  • Planned Events.
  • Avoid monthly maintenance fee of $14.95 by maintaining a $10,000 relationship with Bank of Botetourt.

Timeless Banking

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

  • Basic BaZing® Benefits
  • 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!
  • Receive a waiver from Bank of Botetourt foreign ATM fees.
  • Planned Events.
  • Avoid a monthly maintenance fee of $6.95 by maintaining an average balance of $750. 

Money Market Banking

With a Bank of Botetourt Money Market Account, you'll earn higher interest rates at higher balance levels, and have the peace of mind that comes from knowing your money is available when you need it. Your funds on deposit with us are fully insured to the limits set by the FDIC.

  • An opening deposit of $2,500 is required.
  • Enjoy the convenience of Online Banking, Online Bill
  • Payment Service and E-Statements completely FREE of charge!
  • We will provide you with FREE Checks.
  • Check your account balance any time day or night with FREE Online Banking and 24-hour Telephone banking.
  • An average balance of $2,500 must be maintained to avoid being charged monthly maintenance fees of $10.00 per month.
  • Federal Banking Regulations limit transaction activity on Money Market Accounts. You can make up to six (6) third-party or pre-authorized transfers** per statement period. Exceeding these federal limitations will prompt a $10.00 service charge per transaction over the six allowable transfers.

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.

**For Money Market Accounts, Pre-authorized transfers include the following types of transactions: The transfer or withdrawal of funds by telephone, by wire or PC, the use of overdraft protection, automatic payments, or checks.

Disclosures
Download our Personal Checking Options Brochure
Rates
Download our Automatic Debit Change Form

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