Personal Checking Accounts
Everyday Banking
A low cost checking account with basic benefits.
- Unlimited check writing and receive a trial order of checks FREE.
- MoneyPass® ATM Surcharge Free Network
- FREE Online Banking, Online Bill Payment Services, Mobile Banking, Card Valet®, Zelle® and eStatements.
- FREE personal service. Our helpful tellers will handle all your transactions at any of our convenient offices at no charge!
- $3 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. Free for those 62 or better.
Open a New Account
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Student Banking
Student Banking is a great fit for individuals up to the age of 24.
- MoneyPass® Network, + Unlimited ATM refunds per statement cycle
- FREE Online Banking, Online Bill Payment Services, Mobile Banking, Card Valet®, Zelle® and eStatements
- 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.
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Alliance Banking
Alliance Banking is a relationship banking product with all the features of our best checking accounts plus many additional advantages.
- MoneyPass® Network, + Unlimited ATM refunds per statement cycle
- 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, Card Valet®, Zelle® and eStatements.
- FREE personal service. Our helpful tellers will handle all your transactions at any of our convenient offices at no charge!
- Avoid monthly maintenance fee of $15 by maintaining a $10,000 relationship with Bank of Botetourt.
Open a New Account
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Timeless Banking
Our premium account for individuals age 55 or better offers interest, free checks, and much more!
- MoneyPass® Network, + 3 ATM refunds per statement cycle
- 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, Card Valet®, Zelle® and eStatements.
- FREE personal service. Our helpful tellers will handle all your transactions at any of our convenient offices at no charge!
- Avoid a monthly maintenance fee of $7 by maintaining an average balance of $750.
Open a New Account
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BankOn Everyday Checking
A checking account that helps keep you from spending more than you have
- MoneyPass® ATM Surcharge Free Network
- NO overdraft / NSF fees - NO Account Activation, Closure, Dormancy, Inactivity, and Low Balance fees
- FREE Online Banking, Online Bill Payment Services, Mobile Banking, Card Valet®, Zelle® and eStatements.
- FREE personal service. Our helpful tellers will handle all your transactions at any of our convenient offices at no charge!
- $0 Monthly maintenance fee
For More Information Click Here
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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.
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Everyday Banking | Alliance Banking | Timeless Banking | Student Banking |
| Minimum Opening Balance |
$50 |
$50 |
$50 |
$25 |
| Monthly Pricing |
$0 |
$15 |
$7 |
$0 |
| How to Avoid Monthly Charge |
No Charge |
Maintain $10,000 Relationship Balance |
Maintain $750 Average Balance |
No Charge |
| ATM Access |
MoneyPass® ATM Surcharge Free Network
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MoneyPass® Network, +Unlimited ATM Refunds per Statement Cycle |
MoneyPass® Network,
+ 3 ATM Refunds per
Statement Cycle |
MoneyPass® Network, +Unlimited ATM Refunds per Statement Cycle |
| Average Balance Requirement for Interest |
N/A |
$1,250 |
$750 |
N/A |
| Checks |
Unlimited check writing; First order of checks free |
Unlimited check writing; Free standard checks or discount on specialty checks; free cashier's checks |
Unlimited check writing; Free standard checks or discount on specialty checks; Free cashier's checks |
Unlimited check writing |
| Free Check Image Statement |
Complete one of the following monthly to avoid a $3 paper statement fee* |
Yes |
Yes |
Complete one of the following monthly to avoid a $3 paper statement fee* |
| Free Small Safe Deposit Box or Discount on Larger Box |
N/A |
Yes |
Yes |
N/A |
*Enroll in e-Statements or 10 Visa® Debit Card transactions or Maintain $500 average monthly balance
Free for those 62 and better (only for Everyday Checking)
Free with EVERY checking Account:
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- Online Banking w/ Optional Bill Pay
- Mobile Banking w/ Mobile Deposit
- Instant Issue Debit Card
- CardValet®
- Zelle®
- 24 Hour Telephone Banking
- e-Statements & Text/ Email Alerts
- Unlimited Teller Transactions
- Notary Service
- Overdraft Transfers
- Apple Pay®, Google Pay™, & Samsung Pay®
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