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Checking & Money Market Accounts

Bank of the James offers a full range of checking accounts to give you flexibility and convenience in managing your money. Whether you are looking for an account with no minimum balance requirements or for an interest bearing account, Bank of the James has the right checking program for you.

All of our checking accounts offer the following:

  • Free Online Banking with Bill Pay
  • Free Mobile Money*
  • ATM & VISA Debit/Check Card Available
  • Unlimited Check Writing
  • Your choice of Paper or e-Statements
  • Telephone Banking
  • Overdraft Protection Available
  • No transaction fee for use of Bank of the James ATM

The following briefly describes many of our checking account programs. Note that normal account rules and regulations apply and the following is not intended to offer a complete description of the accounts. For more information, view our comparison chart.

Jefferson Checking, Lancer Checking, Minuteman Checking, and Staunton River Checking

  • $100 minimum balance required to avoid a $3 monthly service fee
  • Avoid fee by maintaining a $100 average daily collected balance or receiving or signing up for a monthly e-statement or having a monthly direct deposit associated with this account

Interest Checking

This interest-bearing checking account offers unlimited check writing, and no service fee if minimum balance requirements are met.

50 Plus Checking

Available to customers age 50 and older, this interest-bearing checking account offers unlimited check writing and no service fee if minimum balance requirements are met. Minimum balance requirements are lower than for Interest Checking, and some other benefits are available to our 50 Plus Checking customers.

James River Checking

This premium banking package rewards you for having more of your banking relationship with our bank. James River Checking is an interest-bearing account with unlimited check writing and no monthly service fee if balance requirements are met taking into consideration all of your accounts with us. Many other benefits are available to James River Checking customers.

Blue Ridge Money Market Account

This interest-bearing money market account offers some of the flexibility of a checking account paired with the interest structure of a savings account. While interest rates for this account are normally higher than those for our checking accounts, minimum balance requirements are higher and there are limits on the number of monthly transactions.

Health Savings Accounts

Health Savings Accounts (HSAs) were created in 2003 so that individuals covered by high-deductible health plans could receive tax-preferred treatment of money saved for medical expenses. Generally, an adult who is covered by a high-deductible health plan (and has no other first-dollar coverage) may establish an HSA. The Bank of the James Health Savings Account offers a preferred interest rate, unlimited check writing for a reasonable monthly fee.

*Bank of the James does not charge for Mobile Money; however, your service provider may charge fees for use of mobile/text banking services.

Please note that Bank of the James in not engaged in rendering of tax, investment or legal advice.
All accounts are subject to credit approval. Service charges and fees could reduce earnings. For complete details on our checking accounts and related products and services, please contact one of our branch locations, or review our Personal Checking Plans flyer.

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