Personal Banking

The Bank of Fincastle offers a variety of Personal Banking options some of which require no minimum balance and all of them have no monthly service charge. Just pick the one that fits your lifestyle. Or, you may wish to consider an interest-bearing NOW Account.

All accounts feature:

FREE Online Banking, Online Billpay and Mobile Banking

FREE CardValet® App for turning your debit card off and on and instant notice when you use your debit card.

FREE E-statements or monthly paper statements with check imaging.

FREE Visa® Debit Card

FREE 24-Hour Telephone Banking

 

Once you choose a checking account that is right for you then consider adding one or more of our convenient checking extras.

 

ChoiceChecking Accounts

BasicChoice Checking

You do not need to worry about the number of checks you write or the number of deposits you make. It's simple and it's FREE*!

- FREE* checking account

-No monthly service charge

-No minimum balance required

-Unlimited Checkwriting

 

BasicChoice Plus Checking

If you regularly maintain higher balances in your checking, consider our BasicChoice Plus Checking Account. This account has no monthly service charges, just like our BasicChoice Checking Account... PLUS... it rewards customers with Plus Privileges when maintaining a daily balance of $1000.

- FREE* checking account

-No monthly service charge

-Unlimited checkwriting

Plus Privileges

-FREE wallet-style "safety paper" checks

-FREE money orders or cashier's checks

-Preferred loan rates

- $1000 is required to open the account and a minimum balance of $1000 is required. If your account falls below $1000 at any time during the statement cycle you will not receive Plus Privileges for that statement cycle. If the daily balance falls below $1000 during three consecutive statement cycles, this account will revert to a BasicChoice Checking Account.

 

SeniorChoice Checking

Our SeniorChoice Checking Account is designed especially for our customers who are 55 and older. It is a

- FREE* checking account

-No minimum balance

-No monthly service charge

-Unlimited checkwriting

Senior Privileges

-FREE wallet-style "safety paper" checks

-FREE money orders or cashier's check

-$5.00 off your annual safe deposit box rent

-FREE telephone transfers

 

StudentChoice Checking

If you are a high school or college student this account is for you. A traditional FREE* checking account, which requires no minimum balance and has no monthly service charges, is available to any full time student (no age requirement) with a parent or guardian as a co-owner of the account.

- FREE checking account

-No monthly service charge

-No minimum balance required

-Unlimited Checkwriting

 

For details about FREE ChoiceChecking call us at 540-473-2761 or visit any Bank of Fincastle branch office.

Interest Bearing NOW Account

If you maintain higher balances in your checking account and want to earn a little interest, this account is for you.

- Earns interest on balances of $500 and above at a tiered rate

-Unlimited checkwriting

-$5 monthly fee if the daily balance falls below $500 during the statement cycle

Current InterestChecking NOW Account rates.

For details about specific services, fees, and minimum balance requirements, you can contact us at 540-473-2761 or visit any Bank of Fincastle branch office.

 

 

 

Checking Account Extras

The Bank of Fincastle checking account extras can make your checking account more accessible and more convenient than ever. Checking account extras include our Mobile Banking App, 24-Hour Telephone Banking and i-bank@home online banking which give you access to your money, whether you're at home, at the office, or on the road. You can receive a our Visa Check Card with the available CardValet app for turning your check card off an on at a moment's notice. Don't forget to check out our overdraft protection options and direct deposit of your government checks.

Visa Check Card with Chip Technology

You can use The Bank of Fincastle Visa Check Card (where Visa Cards are accepted) to pay for everyday purchases and the amount will be deducted from your checking account*. 

Your Visa Check Card comes with built-in chip technology. This gives you greater fraud protection when you use your card at a chip-activated terminal. It can also be used at any ATM which allows access to your Bank of Fincastle accounts at any Bank of Fincastle ATM** and at over 480,000 ATMs in the Visa Global ATM Network.

For an application or specific services and fees you can contact us at 540-473-2761 or visit any branch office.

CardValet

CardValet is a mobile card control app for your Bank of Fincastle debit card that can be downloaded from the Apple App and Google Play stores. It enables you to manage, track and report specific types of transactions and quickly detect unauthorized activity. You can customize your experience by choosing from a variety of features.

Visit cardvalet.com for more information.

Overdraft Protection

Yes… we have all done it — written a check, or used a Visa check card or ATM card and forgot to record the transaction; which results in an overdrawn checking account, causing inconvenience and overdraft charges. That is why The Bank of Fincastle offers overdraft protection, linked toyour savings, checking or Home Equity Line of Credit.

Should you overdraw you checking account we will automatically transfer the exact amount you need from the designated account to your checking account for just $1.00 per transfer. Now that's peace-of-mind.

To find out more about overdraft protection give us a call at 540-473-2761 or visit any branch.

Direct Deposit

If your employer participates in a direct deposit program you can have them deposit your payroll check directly into your Bank of Fincastle checking or savings account. Certain U.S. Government payments are available for direct deposit, just ask us!

For details on how to set up your direct deposit please call us at 540-473-2761 or visit any branch office.

Check Imaging

  • Your checks are imaged and printed in check number order, eliminating the need to sort and file checks before you balance your checkbook.
  • Date, check numbers and check amounts are printed below each check for easy reading and reference. No need to keep cumbersome storage boxes to store canceled checks.