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

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Brian McKay Brian McKay
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Brian McKay

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| 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: April 13, 2026

The best checking rates for Richmond, Virginia include 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, Henrico Federal Credit UnionHenrico Federal Credit Union1201 N Laburnum Ave, Richmond, VA 23223A5.0 ★Texas Ratio: 8.03% Invest Checking at 0.75% APY, 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, Richmond Virginia Fire Police Credit UnionRichmond Virginia Fire Police Credit Union900 Hermitage Rd, Richmond, VA 23220 2001A+5.0 ★Texas Ratio: 2.32% Checking at 0.15% APY, and 1st Advantage Federal Credit Union1st Advantage Federal Credit Union1204 Broad Rock Blvd, Richmond, VA 23224 4916A+5.0 ★Texas Ratio: 2.79% Premier Checking at 0.05% APY. Checking account rates as of April 13, 2026 according to verified data from MonitorBankRates.

Richmond has 10 local institutions in our database, with checking rates as high as 1.51% APY from Blue Ridge Bank National Association at 1801 Bayberry Ct, Richmond, VA, 23226. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Richmond, Virginia. Checking Account Rates Last Updated and Verified: April 13, 2026

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
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 28, 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
Invest Checking
0.75%
$15
View
▼
Rate0.00%
Min Deposit$15
Min Balance—
UpdatedApr 5, 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%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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—
UpdatedApr 5, 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—
UpdatedApr 8, 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—
UpdatedApr 8, 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—
UpdatedApr 8, 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—
UpdatedApr 8, 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 28, 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—
UpdatedApr 8, 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—
UpdatedApr 8, 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—
UpdatedApr 8, 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—
UpdatedApr 11, 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—
UpdatedApr 11, 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 25, 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 28, 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
ThankU Checking
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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 28, 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
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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 25, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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 28, 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—
UpdatedApr 8, 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 28, 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 28, 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—
UpdatedApr 8, 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 28, 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—
UpdatedApr 11, 2026
Details

$1,000 - $4,999

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15000

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15000

DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.75%
Grow Checking
5.54%
$0
View
▼
Rate5.40%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Qualifications Required; Qualifying balance up to $50,000.00

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
5.50%
$0
View
▼
Rate5.37%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $30,000.01

Capon Valley Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
CVBTM Interest Rewards Checking
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Qualifications Required

Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Choice Plus Checking
5.05%
$25
View
▼
Rate4.94%
Min Deposit$25
Min Balance—
UpdatedApr 8, 2026
Details

Qualifications Required; Qualifying balance up to $2,500.00

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
High-Yield Checking
5.05%
$0
View
▼
Rate5.05%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Electrum Checking Dividends Gold Level
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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.

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
High Yield Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Qualifying balance up to $15,000.00

Freedom First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Checking Accounts Tier 3
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

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

Capon Valley Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
CVBTM Interest Rewards Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Qualifications Required

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15000

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15000

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
5.50%
$0
View
▼
Rate5.37%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $30,000.01

Capon Valley Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
CVBTM Interest Rewards Checking
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Qualifications Required

Capon Valley Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
CVBTM Interest Rewards Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Qualifications Required

Farmers & Merchants Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
Cash Back Plus Checking Account
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Farmers & Merchants Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
F&M Cash Back Plus Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
Rewards Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
Cash Back Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

No additional details provided.

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
Rewards, Teen Rewards, and College & Career Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

No additional details provided.

Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
Signature Cash Back Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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—
UpdatedApr 5, 2026
Details

No additional details provided.

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
ECU Beyond Free Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
ECU Beyond Free Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
ECU Beyond Free Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
ECU Beyond Free Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
ECU Beyond Free Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
Free Classic Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

No additional details provided.

ABNB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
Everyday Earnings Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
ECU Beyond Free Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Basic Checking
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Loudoun Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Everyday Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Minimum balance to earn dividends is $1,000, no monthly service charge

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
Absolutely Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Everence Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.68%
Student Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Earn 0.15% APY3 by just opening the account.

Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
Youth Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
YOUth Journey Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Teen Rise/Teen Rise Family Checking Account
0.01%
$5
View
▼
Rate0.01%
Min Deposit$5
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
Rewards, Teen Rewards, and College & Career Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

No additional details provided.

Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
Standard Checking/Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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
Premier Business Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 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
Non-Profit Business Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Business Interest Plus Checking
4.04%
$500
View
▼
Rate3.97%
Min Deposit$500
Min Balance—
UpdatedApr 8, 2026
Details

Minimum to Open: $500

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Summit Business Checking
2.03%
$0
View
▼
Rate2.01%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★ Texas Ratio: 13.45%
PREMIUM BUSINESS CHECKING
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Over $200,000

FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★ Texas Ratio: 13.45%
PREMIUM BUSINESS CHECKING
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

$100,000 - $199,999.99

FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★ Texas Ratio: 13.45%
PREMIUM BUSINESS CHECKING
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

$25,000 - $99,999.99

Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Business Checking with Interest
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Summit Business Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Summit Business Checking
0.65%
$0
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Summit Business Checking
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Business Checking with Interest
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Core Corporate Checking
0.40%
$15,000
View
▼
Rate0.00%
Min Deposit$15,000
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★ Texas Ratio: 13.45%
BUSINESS INTEREST CHECKING
0.30%
$5,000
View
▼
Rate0.30%
Min Deposit$5,000
Min Balance—
UpdatedApr 11, 2026
Details

Minimum Deposit $5,000

Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
Small Business Checking Accounts
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Premier Business Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

First National Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Business Interest Checking
0.25%
$100
View
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
Small Business Checking Accounts
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details

No additional details provided.

Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
Small Business Checking Accounts
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details

No additional details provided.

Farmers Bank of Appomattox
Institution Rating:
A+5.0 ★ Texas Ratio: 5.70%
Century Business Checking
0.20%
$100
View
▼
Rate0.20%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

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

Richmond, VA Checking Rate Trends

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

Daily 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
1.073%
▼ 3.554 vs 7 days ago

Virginia high-yield checking rates fell 3.554 points over the past 7 days to 1.073% APY.

Free Checking — VA Avg
0.435%
Unchanged vs 7 days ago

Virginia free checking rates currently average 0.435% APY.

As of Apr 13, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

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:
  • Blue Ridge Bank National Association
    First Honor Checking — 1.51% APY
  • Henrico Federal Credit Union
    Invest Checking — 0.75% APY
  • Virginia Credit Union
    Extra Credit Checking (ages 13-22) — 0.25% APY
  • Richmond Virginia Fire Police Credit Union
    Checking — 0.15% APY
  • 1st Advantage Federal Credit Union
    Premier Checking — 0.05% 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: April 13, 2026

Richmond, Virginia Rates & Resources

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