Services

Deposit Accounts

VNB offers checking and savings accounts for every age, stage, and budget. Our Basic Checking and Money Market savings accounts feature small opening-deposit requirements with limited withdrawals, while our more robust Commonwealth and Phoenix accounts provide more flexibility with larger balances. We even offer a Funds Management CD for ultimate flexibility.

Checking Accounts

Account	Learn More	Opening Deposit	Minimum Balance	Maintenance Fee	Check writing and Withdrawals	Interest Earned
Basic Checking	More	$25.00	None	Yes	20 free per statement cycle	No
BASIC CHECKING Minimum opening deposit of $25 No minimum balance required; monthly maintenance fee 20 free withdrawals (including electronic withdrawals) or checks per monthly statement cycle $0.50 per item after 20 withdrawals Monthly statements No transaction fee for the use of Virginia National Bank ATMs
Regular Checking	More	$100.00	$750.00	Yes if balance under minimum	Unlimited	No
REGULAR CHECKING Minimum opening deposit of $100 Unlimited check writing and withdrawals $750 average daily balance required to avoid monthly maintenance fee Monthly statements Free use of Virginia National Bank ATMs
Interest Checking	More	$100.00	$1,000.00	Yes if balance under minimum	Unlimited	Yes
INTEREST CHECKING Minimum opening deposit of $100 Unlimited check writing and withdrawals $1,000 average daily balance required to avoid monthly maintenance fee Market interest rate earned on all balances Interest paid monthly Monthly statements No transaction fee for the use of Virginia National Bank ATMs
Commonwealth Account	More	$100.00	$2,500.00	Yes if balance under minimum	Unlimited	Yes
COMMONWEALTH ACCOUNT Minimum opening deposit of $100 Unlimited check writing and withdrawals $2,500 average daily balance or $25,000 in a combination of deposit and loan accounts with common ownership to avoid monthly maintenance fee Market interest rate earned on all balances Interest paid monthly No charge for select wallet-size checks No charge to purchase traveler's checks or official checks No charge for use of a small safe deposit box (3x5) or an equal credit toward a larger box No charge for online bill pay Monthly statements No transaction fee for the use of Virginia National Bank ATMs
The Virginian (customers 50 years of age or older)	More	$25.00	None	None	Unlimited	Yes
THE VIRGINIAN For customers 50 years of age or older Minimum opening deposit of $25 Unlimited check writing and withdrawals No minimum balance requirement Market interest rate earned on all balances greater than $1,000 Interest paid monthly No charge for wallet-size checks of your choice No charge for use of a small safe deposit box (3x5) or an equal credit toward a larger box Monthly statements No transaction fee for the use of Virginia National Bank ATMs

Savings Accounts

Account	Learn More	Opening Deposit	Minimum Balance	Maintenance Fee	Check writing and Withdrawals	Interest Earned
Money Market Account	More	$50.00	$300.00	Yes if balance under minimum	6 free per statement cycle	Yes
MONEY MARKET ACCOUNT Minimum opening deposit of $50 6 withdrawals allowed per statement cycle period $5 per withdrawal after 6 withdrawals $300 average daily balance to avoid monthly maintenance fee Monthly maintenance fee waived for minors until eighteenth birthday Interest paid monthly Tiered interest rate structure Monthly statements No transaction fee for the use of Virginia National Bank ATMs
Phoenix Account	More	$1,000.00	$1,000.00	None	10 day grace period after maturity	Yes
PHOENIX ACCOUNT Minimum balance of $1,000 Deposits permitted at any time Maturity every 90 days 10 day grace period after maturity for withdrawals Automatic renewal Interest paid every 90 days at maturity Early-withdrawal penalty equal to 90 days' forfeiture of interest, regardless if earned Market interest rate is tiered by age of account: 1-12 months                  6 month CD rate 13-24 months                1 year CD rate 25-36 months                2 year CD rate 37 months or longer     3 year CD rate Calendar quarter statements
Certificate of Deposit	More	$500.00	$500.00	None	10 day grace period after maturity	Yes
CERTIFICATE OF DEPOSIT Minimum opening deposit of $500, unless otherwise stated Terms of 3 months to 5 years 10 day grace period after maturity for withdrawals Penalty for early withdrawal, forfeiture of interest, regardless if earned, as follows: 3 months' forfeiture for CD with term of 1 year or less; 6 months' forfeiture for CD with term greater than 1 year Automatic renewal Interest paid quarterly Calendar quarter statements
CDARS®	More	$10,000 if over $250,000 in other VNB accounts	$10,000.00	None	Unavailable	Yes
CDARS® CERTIFICATE OF DEPOSIT ACCOUNT REGISTRY SERVICES® Full FDIC Insurance on CDs up to $50 million Work with 1 bank on all CD deposits from $10,000 to $50,000,000 1 interest rate on CDs placed through CDARS® 1 monthly statement detailing your CD balances Wide variety of maturities ranging from 4 weeks to 5 years
Funds Management Certificate of Deposit	More	$50,000.00	$50,000.00	None	Unavailable	Yes
FUNDS MANAGEMENT CERTIFICATE OF DEPOSIT Minimum opening deposit of $50,000 Terms of 7 to 365 days Interest paid at maturity Penalty for early withdrawal, forfeiture of all interest that would be paid if held until maturity Single maturity, no automatic renewal

Interest rates available at any Virginia National Bank office.

Terms may vary for deposit accounts with any promotions offered by Virginia National Bank.