Best Banks & Checking Accounts in Richmond, Virginia - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Richmond, Virginia include Henrico Federal Credit UnionHenrico Federal Credit Union1201 N Laburnum Ave, Richmond, VA 23223A5.0 ★Texas Ratio: 7.57% Invest Checking at 0.75% APY, Virginia Credit UnionVirginia Credit Union4001 Lauderdale Dr, Richmond, VA 23233A5.0 ★Texas Ratio: 6.07% 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: 2.30% Checking at 0.15% APY, 1st Advantage Federal Credit Union1st Advantage Federal Credit Union1204 Broad Rock Blvd, Richmond, VA 23224 4916A+5.0 ★Texas Ratio: 2.69% Premier Checking at 0.05% APY, and Fulton BankFulton Bank9030 Stony Point Pkwy, Richmond, VA 23235A+5.0 ★Texas Ratio: 4.98% Interest Checking at 0.02% APY. Checking account rates as of July 25, 2026 according to verified data from MonitorBankRates.
Richmond has 6 local institutions in our database, with checking rates as high as 0.75% APY from Henrico Federal Credit Union at 1201 N Laburnum Ave, Richmond, VA, 23223. 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: July 25, 2026
Compare Checking Account Rates Today in Richmond, Virginia & the Surrounding Area
Richmond Checking Account Rates
Richmond, VA 23223
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Richmond, VA 23223
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Richmond, VA 23223
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Richmond, VA 23233
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Richmond, VA 23233
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Richmond, VA 23233
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Richmond, VA 23220 2001
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Richmond, VA 23233
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Richmond, VA 23224 4916
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Richmond, VA 23224 4916
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Richmond, VA 23224 4916
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Richmond, VA 23224 4916
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Richmond, VA 23233
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Richmond, VA 23233
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Richmond, VA 23235
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Richmond, VA 23228
Dividends compounded: Monthly; Dividends credited: Monthly; Dividend period: Monthly; Balance method: Daily balance
Richmond, VA 23223
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Qualifications Required; Qualifying balance up to $5,000.00
Qualifications Required: 15 Debit Transactions Monthly; $250 Amount of Debit Transactions Monthly; 15 Debit Transactions Monthly, $250 Amount of Debit Transactions Monthly
Qualifications Required; Nationwide ATM Refunds: 10 refunds, up to $5 per refund. Debit Card Transactions: 15. Debit Card Purchases: More than $250. eStatements: ?.
Richmond High Yield Checking Rates
Richmond, VA 23233
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Richmond, VA 23233
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Richmond, VA 23235
No additional details provided.
Qualifications Required; Qualifying balance up to $5,000.00
Qualifications Required: 15 Debit Transactions Monthly; $250 Amount of Debit Transactions Monthly; 15 Debit Transactions Monthly, $250 Amount of Debit Transactions Monthly
Qualifications Required; Nationwide ATM Refunds: 10 refunds, up to $5 per refund. Debit Card Transactions: 15. Debit Card Purchases: More than $250. eStatements: ?.
Qualifications Required; Balance $0.01 - $25,000.00
Qualifications Required: receive at least one single ACH deposit of $250.00 in one (1) day; be enrolled in and receive eStatements; Qualifying balance up to $10,000.00
Qualifications Required; Qualifying balance up to $2,500.00
APY=Annual Percentage Yield. Dividends are paid quarterly. APY is valid as of the last dividend declaration date. All rates quoted are subject to Credit Union earnings and are subject to change after the account is opened.
No additional details provided.
Qualifications Required; Qualifying Account Balances
Qualifications Required: 15 debit card purchases that post and settle your account; one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Withdrawals and fees may reduce earnings on the account. Interest is compounded and credited monthly based on the average daily balance (ADB) method. APY is accurate as of 02/03/2026. Rates subject to change without notice. A monthly $5.00 fee applies if ADB falls below $1,000. Balances $0 to $25,000 earn 4.00% APY; balances $25,000.01 and above earn standard APY (0.20%). Membership eligibility required. Other rates and terms available.
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Qualifications Required: based on qualifying criteria**
Qualifications Required: 2.00% APY and 2.00% Dividend Rate on balances up to $15,000 when qualifications are met. See account details for qualification requirements.; Qualifying balance up to $15,000.00
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Daily balance $500-$10,000*
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Richmond Rewards Checking Rates
Qualifications Required; Balance $0.01 - $25,000.00
APY=Annual Percentage Yield. Dividends are paid quarterly. APY is valid as of the last dividend declaration date. All rates quoted are subject to Credit Union earnings and are subject to change after the account is opened.
Qualifications Required; Balance $25,000.01 and more
Rate applies if qualifications are not met
If qualifications aren't met
Qualifications Not Met; Balance $.01 or more if qualifications are not met
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Richmond Free Checking Rates
Richmond, VA 23223
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If qualifications aren't met
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Minimum balance to earn dividends is $1,000, no monthly service charge
Minimum to Open: $25; Dividends Compounded: Monthly
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Richmond Student Checking Rates
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Richmond Business Checking Rates
Richmond, VA 23224 4916
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Richmond, VA 23224 4916
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Daily balance $500-$10,000*
$5,000,000.00 - $25,000,000.00
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$0.00 - $4,999,999.99
Fees may reduce earnings on your accounts.
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Fees may reduce earnings on your accounts.
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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.
Virginia high-yield checking rates fell 0.076 points over the past 7 days to 2.313% APY.
Virginia free checking rates rose 0.126 points over the past 7 days to 0.638% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Richmond, Virginia checking rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
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 sourcing this data 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?
Are banks in Richmond, Virginia FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Richmond, Virginia
- 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 - Fulton Bank
Interest Checking — 0.02% APY
