CVB™ Rewards Checking: Your Everyday Banking Solution
At Capon Valley Bank, banking should be simple, flexible, and affordable. CVB™ Rewards Checking is our free personal checking account designed for everyday banking needs. You get unlimited deposits and check writing with no monthly service fee, making it a practical option for managing daily finances.
Customers throughout Frederick County, VA, and Hardy County, WV, use CVB™ Rewards Checking for straightforward spending, bill payments, and debit card purchases without worrying about minimum balance requirements.
Why Choose CVB™ Rewards Checking?
CVB™ Rewards Checking adds extra value to your everyday banking. This rewards checking account lets you earn points simply by using your debit card for routine purchases like groceries, fuel, dining, and shopping.
You still receive the convenience of unlimited deposits and transactions, but now your daily spending works in your favor.
Customers who use their debit card regularly often prefer CVB™ Rewards Checking because it turns normal purchases into added benefits.
CVB™ Plus Checking: A Step Up in Flexibility and Rewards
CVB™ Plus Checking adds earning potential to your everyday banking. This interest-bearing checking account rewards you for maintaining a balance while still providing full access to your money.
You can make unlimited deposits and transactions while earning competitive interest from a local community bank.
Customers who want their checking account to grow while remaining fully accessible often choose CVB™ Plus Checking as a balance between spending and saving.
CVB™ Premium Checking: Designed for More
CVB™ Premium Checking combines checking convenience with money market-style benefits. This tiered interest account is designed for customers who maintain higher balances and want increased earnings without locking funds into a certificate.
Features include:
• Tiered interest rates
• Unlimited deposits
• Limited transfers or withdrawals per statement cycle
• Easy access to funds when needed
This account works well for customers who keep larger balances but still want flexibility for planned expenses.
CVB™ Premium Investment Checking: High Interest, High Flexibility
CVB™ Premium Investment Checking is designed for customers seeking higher interest while maintaining liquidity. This account offers money market-style earnings with convenient access to your funds.
It provides a practical option for customers who want to keep savings available while earning more than a traditional checking account.
Many customers use this account to hold larger reserves, emergency funds, or short-term savings while maintaining easy access.
CVB™ 60+ Checking: Tailored for Our Valued Seniors
CVB™ 60+ Checking is designed specifically for customers age 60 and older. It offers the convenience of everyday checking with added benefits that support retirement banking.
Benefits include:
• Free checks
• Unlimited transactions
• Easy account access
• Local support when needed
Customers throughout our communities appreciate a straightforward account backed by personal service from a bank they know and trust.
A Local Bank Since 1918
Capon Valley Bank proudly serves Frederick County, VA, and Hardy County, WV, with local decision-making and personal service. You can bank online, through mobile banking, or face-to-face at a nearby branch, all backed by real people in your community.
Find the Right Checking Account
Whether you want free checking for everyday use, rewards on purchases, or an account that earns interest on larger balances, Capon Valley Bank offers options designed around how you manage money.
Review the comparison chart below to see which account fits your needs.
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.
