MonitorBankRates
☰
Home › Checking Accounts › Virginia Checking › Richmond, Virginia Virginia Checking Rate Trends iAdvertiser Disclosure
Advertiser Disclosure Some of the institutions listed may have a business relationship with MonitorBankRates. However, our proprietary systems independently track and verify all rates and data displayed. Advertiser relationships do not influence our Health Safety Rating, Star Ratings or Texas Ratio calculation, or the rates shown.

Best Banks & Checking Accounts in Richmond, Virginia - March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: March 21, 2026

The best checking rates for Richmond, Virginia include 1st Advantage Federal Credit Union1st Advantage Federal Credit Union1204 Broad Rock Blvd, Richmond, VA 23224 4916A+5.0 ★Texas Ratio: 2.79% High-Yield Checking at 4.00% APY, Blue Ridge Bank National AssociationBlue Ridge Bank National Association1801 Bayberry Ct, Richmond, VA 23226F2.8 ★Texas Ratio: 41.42% First Honor Checking at 1.51% APY, Primis BankPrimis Bank8821 W Broad St, Richmond, VA 23294A+5.0 ★Texas Ratio: 4.80% Primis Perks Checking at 1.00% APY, Henrico Federal Credit UnionHenrico Federal Credit Union1201 N Laburnum Ave, Richmond, VA 23223A5.0 ★Texas Ratio: 8.03% Invest Checking at 0.75% APY, and Virginia Credit UnionVirginia Credit Union4001 Lauderdale Dr, Richmond, VA 23233A5.0 ★Texas Ratio: 6.74% Extra Credit Checking (ages 13-22) at 0.25% APY.

Looking for the best checking accounts in Richmond, Virginia? You have two main choices: convenient local branches or high-yield online accounts.

The tables below compare the top rates available to residents of Richmond, Virginia, featuring both local banks and credit unions near you.

Checking account rates reflect recent market quotes and representative offers available to depositors in Richmond, Virginia. Checking Account Rates Last Updated and Verified: March 21, 2026

Richmond, VA Checking Rate Trends

Compare local Richmond, VA checking rate quotes against the statewide average

Weekly checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Virginia Checking Trends →
High-Yield Checking — VA Avg
0.648%
▲ 0.511 from last week

Virginia high-yield checking rates rose 0.511 points this week to 0.648% APY, up from 0.138% last week.

Rewards Checking — VA Avg
2.610%
▲ 1.166 from last week

Virginia rewards checking rates rose 1.166 points this week to 2.610% APY, up from 1.444% last week.

As of Mar 21, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare Checking Account Rates Today in Richmond, Virginia & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd
Richmond, VA 23224 4916
High-Yield Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifications Required; Qualifying balance up to $7,500.00

Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
1801 Bayberry Ct
Richmond, VA 23226
First Honor Checking
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Primis Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
8821 W Broad St
Richmond, VA 23294
Primis Perks Checking
1.00%
$1
View
▼
Rate1.00%
Min Deposit$1
Min Balance—
UpdatedMar 17, 2026
Details

Cash Back. Every Purchase.; This account is only available online.

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
1201 N Laburnum Ave
Richmond, VA 23223
Invest Checking
0.75%
$15
View
▼
Rate0.00%
Min Deposit$15
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
1201 N Laburnum Ave
Richmond, VA 23223
Select Checking
0.50%
$15
View
▼
Rate0.00%
Min Deposit$15
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Virginia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
4001 Lauderdale Dr
Richmond, VA 23233
Extra Credit Checking (ages 13-22)
0.25%
$20
View
▼
Rate0.25%
Min Deposit$20
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Virginia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
4001 Lauderdale Dr
Richmond, VA 23233
Enhanced Benefit Checking
0.25%
$20
View
▼
Rate0.25%
Min Deposit$20
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Virginia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
4001 Lauderdale Dr
Richmond, VA 23233
Checking Plus
0.25%
$20
View
▼
Rate0.25%
Min Deposit$20
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
1201 N Laburnum Ave
Richmond, VA 23223
Select Checking
0.25%
$15
View
▼
Rate0.00%
Min Deposit$15
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
900 Hermitage Rd
Richmond, VA 23220 2001
Checking
0.15%
$5
View
▼
Rate0.15%
Min Deposit$5
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
1801 Bayberry Ct
Richmond, VA 23226
Golden Advantage Plus Checking
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Virginia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
4001 Lauderdale Dr
Richmond, VA 23233
Extra Credit Checking (ages 13-22)
0.05%
$20
View
▼
Rate0.05%
Min Deposit$20
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Virginia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
4001 Lauderdale Dr
Richmond, VA 23233
Enhanced Benefit Checking
0.05%
$20
View
▼
Rate0.05%
Min Deposit$20
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Virginia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
4001 Lauderdale Dr
Richmond, VA 23233
Checking Plus
0.05%
$20
View
▼
Rate0.05%
Min Deposit$20
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd
Richmond, VA 23224 4916
Premier Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd
Richmond, VA 23224 4916
Preferred Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Atlantic Union Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
7000 Three Chopt Rd
Richmond, VA 23226
Preferred Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
1801 Bayberry Ct
Richmond, VA 23226
Golden Advantage Plus Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Atlantic Union Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
7000 Three Chopt Rd
Richmond, VA 23226
Loyalty Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
1801 Bayberry Ct
Richmond, VA 23226
Golden Advantage Plus Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd
Richmond, VA 23224 4916
High-Yield Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifications Required; Qualifying balance up to $7,500.00

Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
1801 Bayberry Ct
Richmond, VA 23226
First Honor Checking
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Primis Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
8821 W Broad St
Richmond, VA 23294
Primis Perks Checking
1.00%
$1
View
▼
Rate1.00%
Min Deposit$1
Min Balance—
UpdatedMar 17, 2026
Details

Cash Back. Every Purchase.; This account is only available online.

Virginia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
4001 Lauderdale Dr
Richmond, VA 23233
Checking Plus
0.25%
$20
View
▼
Rate0.25%
Min Deposit$20
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
1801 Bayberry Ct
Richmond, VA 23226
Golden Advantage Plus Checking
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Virginia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
4001 Lauderdale Dr
Richmond, VA 23233
Checking Plus
0.05%
$20
View
▼
Rate0.05%
Min Deposit$20
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
1801 Bayberry Ct
Richmond, VA 23226
Golden Advantage Plus Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
1801 Bayberry Ct
Richmond, VA 23226
Golden Advantage Plus Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
9030 Stony Point Pkwy
Richmond, VA 23235
Interest Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

$1,000 - $4,999

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1345 Perimeter Pkwy
Virginia Beach, VA 23454 5882
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
6320 Logans Ln
Lynchburg, VA 24502
Choice Plus Checking
7.07%
$25
View
▼
Rate6.85%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details

Qualifications Required: Additional qualification must be met to earn Tier 2 dividend; Minimum to Open: $25; Qualifying balance up to $5,000.00

DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.75%
140 Lucy Ln
Waynesboro, VA 22980
Grow Checking
5.54%
$0
View
▼
Rate5.40%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave
Alexandria, VA 22304 4886
5.50%
$0
View
▼
Rate5.37%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $30,000.01

Capon Valley Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
6701 Northwestern Pike
Gore, VA 22637
CVBTM Interest Rewards Checking
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required

Capon Valley Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
6701 Northwestern Pike
Gore, VA 22637
CVBTM Interest Rewards Checking Additional Qualifications
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
7635 Plantation Rd
Roanoke, VA 24019
High-Yield Checking
5.05%
$0
View
▼
Rate5.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
6320 Logans Ln
Lynchburg, VA 24502
Choice Plus Checking
5.05%
$25
View
▼
Rate4.94%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details

Qualifications Required: Additional qualification must be met to earn Tier 1 dividend; Minimum to Open: $25; Qualifying balance up to $2,500.00

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
3711 Huntington Ave
Newport News, VA 23607
High Yield Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15,000.00

Freedom First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
5240 Valleypark Dr
Roanoke, VA 24019 3002
Checking Accounts Tier 3
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Minimum Direct Deposit: $5,000; Max. ADB: $10,000

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
1675 Virginia Ave
Harrisonburg, VA 22802
Electrum Checking Dividends Gold Level
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifications Required: 15 debit card purchases; $1,500 in direct deposits; Qualifying balance up to $10,000.00; $25 minimum to open account and earn APY.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Primis Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
8821 W Broad St
Richmond, VA 23294
Primis Perks Checking
1.00%
$1
View
▼
Rate1.00%
Min Deposit$1
Min Balance—
UpdatedMar 17, 2026
Details

Cash Back. Every Purchase.; This account is only available online.

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave
Alexandria, VA 22304 4886
5.50%
$0
View
▼
Rate5.37%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $30,000.01

Capon Valley Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
6701 Northwestern Pike
Gore, VA 22637
CVBTM Interest Rewards Checking
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required

Capon Valley Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
6701 Northwestern Pike
Gore, VA 22637
CVBTM Interest Rewards Checking Additional Qualifications
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required

Capon Valley Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
6701 Northwestern Pike
Gore, VA 22637
CVBTM Interest Rewards Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required

Capon Valley Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
6701 Northwestern Pike
Gore, VA 22637
CVBTM Interest Rewards Checking Additional Qualifications
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required

PCB Pendleton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
478 Frontier Dr
Staunton, VA 24401
Kasasa Cash Back Checking
4.00%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Earn up to $8 in cash back every single month.

Farmers & Merchants Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
165 New Market Rd
Timberville, VA 22853
Cash Back Plus Checking Account
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Farmers & Merchants Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
165 New Market Rd
Timberville, VA 22853
F&M Cash Back Plus Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

E-Trade
Institution Rating:
A+5.0 ★
, VA
American Express Rewards Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
2130 N Glebe Rd
Arlington, VA 22207
Free Rewards Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifications Required: Make 25 swipe-and-sign, PIN, or debit Bill Pay transactions each month; Receive e-Statements; Receive $500 in ACH deposits into your Free Rewards Checking Account; Qualifying balance up to $1,000.00

Movement Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
1296 Piney Forest Road
Danville, VA 24540
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
5948 Richmond Hwy
Alexandria, VA 22303 1871
Rewards Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
12 HERBERT ST
Alexandria, VA 22305
Signature Cash Back Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
3711 Huntington Ave
Newport News, VA 23607
Rewards, Teen Rewards, and College & Career Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
3711 Huntington Ave
Newport News, VA 23607
Cash Back Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
1201 N Laburnum Ave
Richmond, VA 23223
Basic Checking
0.00%
$15
View
▼
Rate0.00%
Min Deposit$15
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
2130 N Glebe Rd
Arlington, VA 22207
Free Rewards Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifications Required: Make 25 swipe-and-sign, PIN, or debit Bill Pay transactions each month; Receive e-Statements; Receive $500 in ACH deposits into your Free Rewards Checking Account; Qualifying balance up to $1,000.00

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
5775 Barclay Dr
Alexandria, VA 22315 5731
Access America Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifications Required: recurring direct deposits of $500 or more; $25 minimum balance to open. Earn dividends with recurring direct deposits of $500 or more and a daily balance up to $50,000 per statement cycle.*

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
3711 Huntington Ave
Newport News, VA 23607
Free Classic Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

ABNB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
5288 Providence Rd
Virginia Beach, VA 23464 4204
Everyday Earnings Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
6320 Logans Ln
Lynchburg, VA 24502
Basic Checking
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
3711 Huntington Ave
Newport News, VA 23607
Free Classic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
539 Arnett Blvd
Danville, VA 24540
Absolutely Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
2 Commercial Pl
Norfolk, VA 23510 2107
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
2 Commercial Pl
Norfolk, VA 23510 2107
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
12 HERBERT ST
Alexandria, VA 22305
Youth Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
7575 Colshire Dr
McLean, VA 22102 7508
YOUth Journey Checking
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
1018 W Main St
Charlottesville, VA 22903 2820
Teen Rise/Teen Rise Family Checking Account
0.01%
$5
View
▼
Rate0.01%
Min Deposit$5
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
12 HERBERT ST
Alexandria, VA 22305
Standard Checking/Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
3711 Huntington Ave
Newport News, VA 23607
Rewards, Teen Rewards, and College & Career Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
6801 Industrial Rd
Springfield, VA 22151
Teen Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd
Richmond, VA 23224 4916
Non-Profit Business Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1204 Broad Rock Blvd
Richmond, VA 23224 4916
Premier Business Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
6320 Logans Ln
Lynchburg, VA 24502
Business Interest Plus Checking
4.04%
$0
View
▼
Rate3.97%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $10,000.00

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
1448 Park Ave NW
Norton, VA 24273
Summit Business Checking
2.03%
$0
View
▼
Rate2.01%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
6890 Elm St
Mclean, VA 22101
Business Performance Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
750 Volvo Pkwy
Chesapeake, VA 23320
Business Checking with Interest
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
1448 Park Ave NW
Norton, VA 24273
Summit Business Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
1448 Park Ave NW
Norton, VA 24273
Summit Business Checking
0.65%
$0
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
1448 Park Ave NW
Norton, VA 24273
Summit Business Checking
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
750 Volvo Pkwy
Chesapeake, VA 23320
Business Checking with Interest
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq
Centreville, VA 20121
Core Corporate Checking
0.40%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★ Texas Ratio: 13.45%
731 Warrior Dr
Stephens City, VA 22655
BUSINESS INTEREST CHECKING
0.30%
$5,000
View
▼
Rate0.30%
Min Deposit$5,000
Min Balance—
UpdatedMar 20, 2026
Details

Minimum Deposit $5,000

First National Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
622 Broad St
Altavista, VA 24517
Business Interest Checking
0.25%
$100
View
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
7031 Richmond Rd
Williamsburg, VA 23188 7214
Small Business Checking Accounts
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1345 Perimeter Pkwy
Virginia Beach, VA 23454 5882
Premier Business Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Farmers Bank of Appomattox
Institution Rating:
A+5.0 ★ Texas Ratio: 5.70%
223 Main St
Appomattox, VA 24522
Century Business Checking
0.20%
$100
View
▼
Rate0.20%
Min Deposit$100
Min Balance—
UpdatedMar 21, 2026
Details

minimum average daily balance of $1,000.00 to obtain the disclosed annual percentage yield.

Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
7031 Richmond Rd
Williamsburg, VA 23188 7214
Small Business Checking Accounts
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
5948 Richmond Hwy
Alexandria, VA 22303 1871
Elite Business Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Farmers Bank of Appomattox
Institution Rating:
A+5.0 ★ Texas Ratio: 5.70%
223 Main St
Appomattox, VA 24522
Century Business Checking
0.15%
$100
View
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedMar 21, 2026
Details

minimum average daily balance of $1,000.00 to obtain the disclosed annual percentage yield.

Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
7031 Richmond Rd
Williamsburg, VA 23188 7214
Small Business Checking Accounts
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Richmond, Virginia directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Richmond, Virginia. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in VA.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Richmond, Virginia earn interest?

Most traditional local checking accounts in Richmond, Virginia earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Richmond, Virginia FDIC insured?

Yes. Legitimate banks with branches in Richmond, Virginia are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Richmond, Virginia

Based on our current data, some of the highest checking account APYs available to residents of Richmond, Virginia include:
  • 1st Advantage Federal Credit Union
    High-Yield Checking — 4.00% APY
  • Blue Ridge Bank National Association
    First Honor Checking — 1.51% APY
  • Primis Bank
    Primis Perks Checking — 1.00% APY
  • Henrico Federal Credit Union
    Invest Checking — 0.75% APY
  • Virginia Credit Union
    Extra Credit Checking (ages 13-22) — 0.25% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Richmond, Virginia. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 21, 2026

Richmond, Virginia Rates & Resources

$
Richmond, Virginia CD Rates
$
Richmond, Virginia Savings Rates
$
Richmond, Virginia Money Market Rates
$
Richmond, Virginia Mortgage Rates
$
Richmond, Virginia Auto Loan Rates
$
Richmond, Virginia Personal Loan Rates