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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 Savings Accounts

A savings account is an important part of securing your finances and Bank of Botetourt is a safe and secure place to allow your funds to grow. We offer a variety of savings account choices with rates, terms and conditions that are sure to fit your individual needs. Your funds on deposit with us are fully insured to the limits set by the FDIC.

In addition to Savings Accounts, we also offer Money Market Accounts, Certificates of Deposit (CDs), and Individual Retirement Accounts. Our Kids$ave Accounts are a great way to teach children the rewards of saving money and earning interest.

Learn about our personal savings 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.

Personal Savings

This is a great account for setting money aside for a special purpose or keeping savings separate from other funds.

  • No average balance requirement.
  • No monthly service charges.
  • Interest is paid on balances of $100.00 and above.
  • Unlimited teller-line withdrawals and ATM withdrawals are permitted.
  • Federal Banking Regulations limit the number of pre-authorized transfers* to six per month. Exceeding these limitations will prompt a $1.00 service charge per transaction over the six allowable transfers.
  • Check today's Savings Rates

Club Savings

Take advantage of this account to save for holiday gifts, vacations, or special purchases.

  • No average balance requirement.
  • No monthly service charges.
  • Interest is paid on balances of $100.00 and above.
  • Unlimited teller-line withdrawals and ATM withdrawals are permitted.
  • Federal Banking Regulations limit the number of pre-authorized transfers* to six per month. Exceeding these limitations will prompt a $1.00 service charge per transaction over the six allowable transfers.
  • Check today's Savings Rates

Children's Savings

Our Kids$ave Account allows children (Under 18) and their parents or guardians to save for their future. This account helps young people to understand the value of saving money and teaches them how earning interest can increase their savings.

  • There is no average balance requirement to obtain the disclosed APY.
  • Children will earn interest on every dollar deposited.
  • Unlimited teller-line withdrawals and ATM withdrawals are permitted.
  • Children can select their own savings register book from an assortment of fun kids' designs.
  • Children will also receive a FREE Kids$ave gift and our coloring book, "Show Me the Money" upon account opening.
  • Federal Banking Regulations limit the number of pre-authorized transfers* to six per month. Exceeding these limitations will prompt a $1.00 service charge per transaction over the six allowable transfers.
  • Check today's Savings Rates

Money Market

This is a great account for those with limited transaction activity who want to earn higher interest rates. Tiered interest rates allow you to earn competitive rates on different account balances.

  • An opening deposit of $2,500 is required.
  • 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) 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.
  • Check today's Savings Rates

* Pre-authorized transfers include the following types of transactions: Telephone transfers, internet transactions such as Bill Pay and PayPal, overdraft protection transfers, and automatic transfers.

**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
Current Rates
Download our Personal Savings Brochure

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