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Personal Checking Account Comparison Chart

Account Name Key Features Avg. Balance Req. Monthly Maint. Fee

FREE Checking

Enjoy unlimited check writing, no average balance requirements and a FREE VISA® check card.*

Take advantage of FREE online bill-payment service* and FREE E-Statements.

$0

$0

Image Checking

Enjoy unlimited check writing and apply for a FREE Visa check card.*

Take advantage of FREE Online Banking, FREE Online Bill Payment service* and FREE E-Statements.

Receive your monthly check images with your statement each month.

$500

$5 per month if average balance falls below $500

E- Checking

Take advantage of technology to avoid service charges.

Get a Free Visa check card* with no foreign ATM transaction fees.

Take advantage of FREE online bill-payment service* and FREE E-Statements.

$0

$1 each for more than five (5) checks

Interest Checking

Earn a competitive interest rate on average balances greater than $750.

We offer unlimited check writing on this interest-bearing account and a FREE Visa check card.*

Take advantage of FREE online bill-payment service* and FREE E-Statements.

$750

$7.50 per month if average balance falls below $750

Alliance Checking

This relationship-banking product provides all the benefits of interest checking plus many additional advantages. 
 

Enjoy FREE ID Reclaim® Basic service

We offer unlimited check writing on this interest-bearing account and a FREE Visa check card.*

Take advantage of FREE online bill-payment service* and FREE E-Statements.

$10,000 per day in deposits and/or loans

$15 per month if below daily balance requirement

Classic 55 Checking

Our premium program for qualifying seniors who maintain an interest checking account. Enjoy FREE ID Reclaim® Basic service, unlimited check writing, a FREE Visa check card,* FREE online bill-payment service* and FREE E-Statements.

$750

$7.50 per month if average balance falls below $750

Money Market Checking

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.

Federal Banking Regulations limit transaction activity on Money Market Accounts. You can make up to six (6) pre-authorized transfers** per month, but only three (3) may be payments made by check to third parties. Exceeding these limitations will prompt a $1.00 service charge per transaction over the six allowable transfers.

$2,500

$10.00 per month if average balance falls below $2,500.

Additional service fees and restrictions may be applicable to these accounts. Please review the bank's personal account disclosures for more information.

Personal 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. Whether you need unlimited check writing or only plan to write a few checks per month, Bank of Botetourt has an account that will be a perfect fit for you.

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. Our smiling employees will be glad to assist you over the phone or in person.

Free Checking

This account is packed with convenient features that you won't pay a dime for!

  • No average balance requirements or monthly maintenance fees.
  • Apply for a FREE VISA® Check Card with unlimited ATM and point of sale transactions.
  • Unlimited check writing privileges.
  • Receive a trial order of 50 checks - absolutely FREE.
  • Online Banking, Online Bill Payment Service and E-Statements are all completely FREE!
  • Electronic copies of your checks can be viewed online any time for FREE.
  • If you prefer to conduct your business in person, you will not pay extra for personal service. Our helpful tellers will handle all of your transactions at any of our convenient locations at no charge!

Image Checking

A checking account with all the perks for people who like to receive copies of their checks each month.

  • Maintain an average balance of just $500 to avoid monthly maintenance fees.
  • Get printed copies of your checks mailed to you every month with your account statement.
  • Apply for a FREE Visa Check Card with unlimited ATM and point of sale transactions.
  • Unlimited check writing privileges.
  • Receive a trial order of 50 checks - absolutely FREE.
  • Online Banking, Online Bill Payment Service and E-Statements are all completely FREE!
  • If you prefer to conduct your business in person, you will not pay extra for personal service. Our helpful tellers will handle all of your transactions at any of our convenient locations at no charge!
  • No service charge will be applied if you maintain a $500 average balance. If your average balance falls below this level, a $5 per month service charge is imposed.

E-Checking

This account is perfect for customers who prefer to use electronic banking methods and want to avoid paying monthly service charges.

  • No average balance requirements or monthly maintenance fees.
  • Enjoy the convenience of Online Banking, Online Bill Payment Service and E-Statements completely FREE of charge.
  • Avoid trips to the bank by setting up Direct Deposit and automatic drafts.
  • Keep up with your account activity anytime by accessing 24-Hour Telephone Banking.
  • Apply for a FREE Visa Check Card with unlimited ATM access and unlimited point of sale transactions.
  • Receive a trial order of 50 checks - absolutely FREE.
  • Write up to five (5) checks per statement cycle at no charge. There is a charge of $1.00 for each check written in excess of five (5) per statement period.

Interest Checking

Imagine a checking account with all the features of our best checking accounts, plus interest!

  • Earn a competitive interest rate on average balances greater than $750.
  • Receive a trial order of 50 checks - absolutely FREE.
  • Enjoy unlimited check writing privileges.
  • Apply for a FREE Visa Check Card with unlimited ATM and point of sale transactions.
  • Enjoy the convenience of Online Banking, Online Bill Payment Service and E-Statements completely FREE of charge!
  • No service charge will be applied if you maintain a $750 average balance. If your average balance falls below this level, a $7.50 per month service charge is imposed.

Alliance Checking

Bank of Botetourt offers Alliance Checking, a relationship banking product that provides all the benefits of interest checking plus many additional advantages.

  • Earn interest and avoid paying monthly maintenance fees when your total daily relationship in deposits and/or loans balances is greater than 10,000.
  • We'll provide you with FREE Checks and you can enjoy unlimited check writing privileges.
  • Enjoy the convenience of Online Banking, Online Bill Payment Service and E-Statements completely FREE of charge!
  • Breathe easier knowing that you have ID Reclaim® Basic Service FREE of charge.
  • Check your account balance any time day or night with FREE Online Banking and 24-hour Telephone banking.
  • Apply for a FREE Visa Check Card with unlimited ATM and point of sale transactions.
  • No monthly maintenance fees will be applied if your total daily relationship in deposits and/or loans balances is greater than 10,000 per day. If your average relationship balance falls below this level, a $15.00 per month service charge is imposed.

Classic 55 Checking

Our premium program for senior citizens offers incentives to individuals age 55 and older who maintain an interest checking account.

  • Earn a competitive interest rate on average balances greater than $750.
  • Never pay to order your checks. We will provide them for FREE and you can enjoy unlimited check writing privileges.
  • Check your account balance any time day or night with FREE Online Banking and 24-hour Telephone banking.
  • Apply for a FREE Visa Check Card with unlimited ATM and point of sale transactions.
  • Take advantage of FREE Online Banking with FREE Online Bill Payment Service and FREE E-Statements to simplify managing your finances.
  • If you prefer to conduct your business in person, you will not pay extra for personal service. Our helpful tellers will handle all of your transactions at any of our convenient locations at no charge!
  • No service charge will be applied if you maintain a $750 average balance. If your average balance falls below this level, a $7.50 per month service charge is imposed.

Money Market Checking

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, VISA check cards and 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
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Download our Automatic Debit Change Request

 

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