Choose the account that is best for you and take advantage of all the benefits your checking account has to offer.
Account
Minimum Daily
Balance 1
Monthly
Service Charge
Interest Bearing
Images
ATM Fee Refunds2
Cardinal
Checking
$10,0003
$154
Totally Free Checking5
None
None

BNC Perks
Checking

Offered in Virginia Only

None
None

BNC Rewards
Checking

Offered in Virginia Only

None
None

BNC Beginnings

Checking

None
$56

All Personal Checking Accounts include:

Access to cash on the go.

Manage your accounts on your schedule.

Use your mobile device to do your banking quickly, easily and securely.

Pay bills convienently online.

Protect your ATM/Debit Card on the go. Must enroll in Text Alerts.

e•Delivery
eStatements7

Must be enrolled in BNC Online Banking. Must enroll in e-Delivery.

Subject to approval. Must enroll in Mobile Check Deposit.

Cashline
Overdraft Line of Credit

Subject to credit approval. Fees may apply.

  1. Required to avoid service charge
  2. These accounts are offered in Virginia only. Account qualifications must be met in order to receive the Rewards and Perks of BNC Rewards and BNC Perks checking, including ATM fee refunds, earning a higher interest rate and iTunes ® , Amazon.com ® , Google Play™ or Netflix® purchase refunds.
  3. $10,000 combined in minimum daily balances (checking, savings, money market, CDs and IRAs) or $10,000 combined outstanding balances on a loan or line of credit
  4. If minimum daily balance requirement is not met
  5. Customer purchases checks and is responsible for any non-sufficient funds
  6. If account requirements are not met
  7. Message, data, connectivity and usage rates may apply. Contact your wireless and/or internet service provider for details. 

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