Family looking at banking accounts

Financial Products & Services for All of Life’s Needs

Personal Services

We offer a range of financial products and services to help you reach your goals. In fact, all of our products are created with you in mind and we are constantly working to improve and meet your needs.

Checking & Savings Options

Find the account that meets your needs! We offer a number of different checking and saving options that can help you manage your money and save for the future.

Basic Checking

Our basic account offers you unlimited check writing, unlimited deposits, no monthly service fee, no minimum balance requirements, a VISA Check Card, Online Banking and Bill Pay.

Regular Checking

Enjoy the benefit of unlimited check writing, statement images and no monthly service charge when you maintain a daily balance of $500.  Also includes a VISA Check Card, Online Banking and Bill Pay.

Interest Checking

Earn interest while enjoying the benefit of unlimited check writing with no monthly service charge when you maintain a daily balance of $750.  Also includes a VISA Check Card, Online Banking and Bill Pay.

Regular Savings (Passbook or Statement Savings)

Our savings accounts feature competitive rates and a low minimum deposit to open.  Minor accounts are also available.

Certificates of Deposit (CDs)

Benefit from a fixed rate of interest for the term you choose. Highly competitive rates on terms from 91 day to 5-year maturity. A minimum deposit of $1,000 is required to open a certificate of deposit.

Money Market

Enjoy the convenience of writing checks while earning interest and receiving a monthly statement. Check writing is limited to six checks per statement cycle. A minimum deposit of $2,500 is required to open a Money Market account. A monthly service charge applies when the balance falls below $2,500.

Individual Retirement Account (IRA)

Secure your future with an IRA. Choose a Traditional, Roth or Educational IRA that fits your individual needs and goals for retirement or future educational expenses.

Christmas Clubs

Be prepared for all of those holiday expenses. Our Christmas Clubs offer attractive rates and can be drafted automatically from your Virginia Bank & Trust checking or savings account.

VISA®  Platinum Consumer Credit Card

Our Visa® Platinum Credit Card Offers Great Benefits!

  • Competitive Rates*
  • Reward points for merchandise and travel
  • Tickets good on any airline with no blackout dates
  • Travel Accident Insurance
    • Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.
  • Auto Rental Collision Damage Waiver
    • To activate coverage, complete the entire rental transaction with your card and decline the collision damage waiver coverage if offered by the rental company. Restrictions apply if you have personal automobile insurance covering this theft or damage.
  • Personal service from people you know

Ready to get started? Apply Now!

*This card is issued by TCM Bank, N.A. Subject to credit approval.

Benefits of Banking with Virginia Bank & Trust

eStatements
We make it easy to keep track of your account activity! Sign up for eStatements as part of our Online Banking Services and have your monthly bank statements delivered right to your inbox. Your eStatements can be downloaded and printed or you can save the file as a .pdf for future reference. Click here to enroll in Online Banking.

Conveniently Located ATMs
We have a total of seven locations serving the Danville area and six of them feature 24-hour ATMs so you can make a withdrawal whenever is convenient for you! Click here to visit our Locations page and find the ATM nearest you.

Mobile Banking
Manage your money anytime, anywhere with Virginia Bank & Trust’s Mobile Banking. Whether you need to check your balance, find an ATM or branch, pay a bill or transfer funds, Virginia Bank & Trust has you covered. Discover the advantages of having your bank on your phone, wherever you go. Download the app for iPhone® or Android™ or access mobile banking from your phone’s web browser.

**iPhone is a federally registered trademark of Apple, Inc. Android is a trademark of Google Inc.

Android APP on Google Play Available on the App Store
 
 
Visa® Check Card
Enjoy the convenience of having your purchases automatically deducted from your checking account without having to write a check. Make withdrawals or transfer funds at Virginia Bank & Trust ATMs. Access funds wherever you are, at any ATM, using your Virginia Bank & Trust Check Card. (Additional fees may apply at non- Virginia Bank & Trust ATMs).

Additional Convenience Services

  • Direct Deposit
  • Safe Deposit Boxes
  • Account Research
  • Drafts
  • Notary Services
  • Stop Payments
  • Wire Transfer Service

For more information concerning the products and services listed above, please stop by one of our branch locations or call us at 434-793-6411.

Ready to Open an Account?

We make it easy to open a new account! Give us a call at (434) 793-6411 or stop by one of our seven convenient locations. One of our friendly representatives can help you get started and even suggest the right financial products and services to fit your needs.