Let us help you find the right personal checking account.

We open accounts a little differently here at C&F Bank because we take the time to first understand your banking preferences and needs before we make a product recommendation. By asking thoughtful questions and listening closely, your personal banker will do more than open a checking account for you – together, we will help you build a plan to achieve financial wellness. We call this process our C&F Relationship Review and it’s free of charge to all C&F Bank customers.

CALL or EMAIL any of our convenient bank locations to schedule your C&F Relationship Review for a time that’s most convenient for you.

Do you enjoy banking with C&F Bank? Did you know that when you Invite A Friend or family members to C&F Bank you can receive reward points? It's easy, and you don't have to be a C&F customer to earn rewards! Learn more.

All our personal checking accounts come packed with these standard services:

  • Online Banking

  • Online Bill Pay with CheckFree® Guarantee1

  • Mobile Banking 

  • TeleBank24 Telephone Banking with no-cost fund transfers, call 800-296-4968

  • eStatements

  • No ATM fees with your C&F Debit Card at Sheetz (Find a Sheetz)

1 Some restrictions may apply – please see our CheckFree Guarantee terms and conditions for more information

2 Subject to credit approval

  • Performance Gold Checking

    Our premium account for higher balances offers the most features and benefits.

  • Performance Checking

    Our interest-bearing account provides growth for your checking balance.
  • Access Checking

    This popular account is designed for customers who value convenience in the form of access to the latest digital services.
  • Access Checking for Students

    Students ages 15-24 can enjoy Access Checking until your 25th birthday.

  • Smart Start Checking

    Get a second chance and establish a new banking relationship with this account.
  • C&F Company Connection Program

    Your employer will want to take advantage of being a C&F Company Connection partner. This partnership entitles you, as an employee of that business, to many exciting benefits. 

Compare our Checking Accounts

Product

Performance Gold

Performance

Access

Access for Students

Smart Start

Premium Interest Rates

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Competitive Interest Rates

 

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Discounted Consumer Loan Rates

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One Money Market Savings or Statement Savings Account with the monthly maintenance service charge waived

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One Statement Savings Account with the monthly maintenance service charge waived for the first year

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Bonus Rates on Certificates of Deposit (including IRAs)

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C&F Debit Card with Rewards and C&F Rewards Credit Card

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Online Banking, Bill Pay and Zelle

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Mobile Banking and Zelle

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Open an Account

Call or stop by any of our bank locations today and speak with one of our relationship managers.

Find a location

Open Account Online

 

Performance Gold Checking

Our premium account for higher balances offers the most features and benefits.

What is included in addition to the standard services?

  • Premium interest paid on collected balances
  • No access fees for non C&F Bank ATM transactions
  • A combined monthly statement detailing all your account relationships
  • Discounted consumer loan rates
  • Bonus rates on Certificates of Deposit (including IRAs)
  • Free 3x5 Safe Deposit Box for the first year (based on availability)
  • One money market savings or statement savings account with monthly maintenance service charge waived
  • One free box of wallet-style checks (or a $5 credit toward checks of your choice)
  • No-fee cashier’s checks

How do I qualify?

$15,000 in combined personal deposit account balances or $25,000 in combined outstanding personal loan balances is required to avoid a monthly maintenance service charge.

Open Account Online

Performance Checking

Our interest-bearing account provides growth for your checking balance.

What is included in addition to the standard services?

  • Competitive interest paid on collected balances
  • A combined monthly statement detailing all your account relationships
  • One money market savings or statement savings account with monthly maintenance service charge waived

How do I qualify?

$2,500 in combined average personal deposit balances in all eligible C&F deposit accounts or $15,000 in combined outstanding eligible personal loan balances.

Access Checking

This popular account is designed for customers who value convenience in the form of access to the latest digital services, a broad branch and ATM network, plus the experience of a personal and caring banker who’ll manage your relationship with C&F Bank.

What’s included in addition to the standard services?

  • A C&F Relationship Review with one of our representatives to evaluate your personal financial situation and offer recommendations to save you time and money.
  • C&F Bank’s full suite of digital banking services – click here for more information!
  • A combined monthly statement detailing all of your account relationships.
  • One statement savings account with monthly maintenance service charge waived for the first year.

How can I avoid a monthly maintenance fee?

There are three easy ways to avoid a $6 monthly maintenance fee

  • $500 monthly minimum balance OR
  • $500 in combined monthly direct deposits (ACH direct deposits totaling $500 or more per statement period) OR
  • Receipt of eStatement on this account

Open Account Online

Access Checking for Students

Students ages 15-24 can open Access Checking with as little as $25 and the $6 monthly maintenance fee is waived until your 25th birthday.

What is included in addition to the standard services?

  • A C&F Relationship Review with one of our representatives to evaluate your personal financial situation and offer recommendations to save you time and money.
  • C&F Bank’s full suite of digital banking services – click here for more information!
  • No access fees for non-C&F Bank ATM transactions.
  • One statement savings account with monthly maintenance service charge waived for the first year.
  • Participation in our C&F Scholars Society (offered in partnership between various high schools in our area, Cemark and C&F Bank – check to see if your high school participates).
  • Access to college financial aid resources available on cffc.com
  • A combined monthly statement detailing all your C&F account relationships.

Who’s eligible for this program?

The account holder must be an active student between the ages 15-24. Students under 18 years of age must have an adult co-signer.

Open Account Online

Smart Start Checking

Had problems with a checking account in the past? Get a second chance and establish a new banking relationship with this account.

What is included in addition to the standard services?

  • A C&F Relationship Review with one of our representatives to evaluate your personal financial situation and offer recommendations to save you time and money.
  • C&F Bank’s full suite of digital banking services – click here for more information!
  • A combined monthly statement detailing all your account relationships

How do I qualify?

There are no specific requirements to qualify and a low monthly maintenance service applies.

C&F Company Connection Program

Your employer will want to take advantage of being a C&F Company Connection partner. This partnership entitles you, as an employee of that business, to many exciting benefits.

What is included in addition to the standard services?

  • A C&F Relationship Review with one of our representatives to evaluate your personal financial situation and offer recommendations to save you time and money.
  • Access to employee presentations at your place of business on topics such as: Understanding Your Credit, Buying a Home, Retirement Planning and College Planning.
  • A C&F promotional gift

How do I qualify?

Your employer must be a participating C&F Company Connection partner.

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