Business Checking Designed Around Your Operations
Every business manages cash flow differently. Capon Valley Bank offers business checking accounts that provide straightforward money management, interest-earning options, and rewards for everyday spending. Local businesses across Frederick County, VA, and Hardy County, WV, rely on us for flexible accounts supported by local decision-making and personal service.
Whether you operate a small business, nonprofit organization, or established company, you can choose an account that fits how your business handles deposits, payments, and reserves.
CVB™ Business Checking: Simple No-Fee Business Banking
CVB™ Business Checking is designed for businesses that want an uncomplicated, dependable checking account for daily transactions.
Features include:
• No monthly service fee
• Unlimited deposits
• Unlimited check writing
• Debit card access with optional rewards
• Online and mobile banking tools
• Local support from experienced bankers
This account works well for small businesses, startups, and organizations that need predictable banking without balance requirements.
CVB™ Rewards Business Checking: Earn From Everyday Spending
CVB™ Rewards Business Checking allows your business to earn points when using your debit card for regular expenses such as supplies, fuel, travel, and vendor purchases.
You maintain the flexibility of a traditional checking account while gaining additional value from routine business spending.
Businesses that frequently use their debit card often choose this option to turn operating expenses into added benefits.
CVB™ Plus Business Checking: Earn Interest on Operating Funds
CVB™ Plus Business Checking lets businesses earn interest while keeping funds accessible for everyday use.
Benefits include:
• Interest earned on qualifying balances
• Unlimited deposits and transactions
• Digital banking access
• Local support and account guidance
This account is a strong fit for businesses that maintain steady balances and want their operating funds to generate additional earnings.
Availability may vary by business type. A banker can help determine eligibility.
CVB™ Premium Business Money Market: Higher Balance Management
The CVB™ Premium Business Money Market account is intended for businesses that maintain larger balances and want increased earnings potential while preserving liquidity.
Key features:
• Tiered interest rates
• Unlimited deposits
• Limited transfers or withdrawals per statement cycle
• Access to funds when needed
Businesses often use this account to hold reserves, tax funds, or short-term savings while earning more than a standard checking account.
Local Business Banking Matters
Since 1918, Capon Valley Bank has supported businesses throughout Frederick County, VA, and Hardy County, WV. Decisions are made locally, so you work with bankers who understand your market and your business.
You still have access to modern tools like online banking, mobile deposit, and account alerts. You also get real conversations and responsive service when questions arise.
Find the Right Business Checking Account
Whether you need a simple operating account, rewards on purchases, or interest on larger balances, Capon Valley Bank offers business checking options designed around how you manage your company’s finances.
Review the comparison chart below to see which account fits your business.
Which CVB™ Rewards Account Fits You Best?
CVB™ Basic Checking
| Account Name | Perfect For | Features | Fees |
|---|---|---|---|
| CVB™ Basic Checking | Customers who use a debit card regularly and want a simple, low-cost checking option. |
|
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CVB™ Rewards Checking
| Account | Perfect For | Features | Activity/Fees |
|---|---|---|---|
| CVB™ Rewards Checking | Customers who want to earn uChoose Reward points through regular account activity. |
|
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CVB™ Rewards Checking Points Earned
| Activity | Reward Points | Per Cycle Cap |
|---|---|---|
| Automatic Loan Payment Draft for a CVB™ Loan | 50 | 200 |
| Per ACH Credit | 5 | 100 |
| Per ACH Debit | 5 | 100 |
| Open a New Checking Account | 100 | 100 |
| Open a New Savings Account | 100 | 100 |
| Open a New Loan | 200 | 200 |
| Open a New Certificate of Deposit | 100 | 100 |
| Mobile Deposit | 10 | 100 |
CVB™ Interest Rewards Checking
| Account | Perfect For | Features | Activity/Fees |
|---|---|---|---|
| CVB™ Interest Rewards Checking | Customers who want an interest-earning checking account with the ability to qualify for higher interest through regular activity. Frequent CVB™ Debit Card users will likely have other deposit accounts with us. |
(See qualification table below) |
|
CVB™ Interest Rewards Checking Additional Qualifications
| Rate Level | Balance | Rate/APY | Requirements |
|---|---|---|---|
| Unqualified | Any balance | 0.15% APY | No requirements |
| Tier 1 | $25,000 and under | 4.00% / 4.07% APY | $500 debit card transactions + 2 additional criteria |
| Tier 2 | $25,000 and under | 5.00% / 5.12% APY | $500 debit card transactions + 3 additional criteria |
| Tier 3 | Over $25,000 | 0.35% APY | Earned when Tier 1 or Tier 2 qualifications are met |
Additional Qualification Criteria (choose from these)
- Two ACH Debits
- Two ACH Credits
- Deposit Relationship Balance of $10,000 or higher
- One Automatic Payment of a CVB™ loan
- One Mobile deposit
All transactions must occur in the same qualification cycle. When qualifications are met, the higher rate applies retroactively to the beginning of the cycle.
