What Is CVB™ Rewards Checking?
CVB™ Rewards Checking is a free personal checking account that lets you earn rewards points every time you use your Capon Valley Bank debit card for qualifying purchases. With no monthly service fee, unlimited deposits and transactions, and convenient online and mobile banking, it’s designed for everyday spending while giving you something back.
Whether you’re shopping for groceries, filling up your gas tank, or dining out, your purchases can help you earn rewards through the uChoose Rewards® program.
Why Choose CVB™ Rewards Checking?
CVB™ Rewards Checking combines the convenience of everyday banking with rewards that add value to your routine purchases.
Benefits include:
- No monthly service fee
- Unlimited deposits and check writing
- Unlimited debit card transactions
- Earn uChoose Rewards® points on qualifying debit card purchases
- Online and mobile banking
- Mobile check deposit
- Debit card controls
- Local customer service
It’s an excellent choice for customers who use their debit card regularly and want to earn rewards without paying monthly account fees.
How Do uChoose Rewards® Points Work?
Every time you make qualifying purchases with your Capon Valley Bank debit card, you earn uChoose Rewards® points.
Points can be redeemed for a wide variety of rewards, including:
- Gift cards
- Merchandise
- Travel
- Experiences
- And much more
Because you’re earning points on purchases you already make, it’s an easy way to receive additional value from your everyday banking.
Who Should Open a Rewards Checking Account?
CVB™ Rewards Checking is a great fit for people who:
- Use their debit card frequently
- Want free personal checking
- Prefer no monthly service fees
- Like earning rewards on everyday purchases
- Want the convenience of online and mobile banking
- Appreciate local service from a community bank
Looking for a Different Type of Checking Account?
Not every customer has the same banking needs. Capon Valley Bank offers several checking accounts designed for different financial goals.
CVB™ Plus Checking
Earn interest while maintaining the flexibility of a traditional checking account. A great option for customers who keep higher balances and want their money to work a little harder.
CVB™ Premium Checking
Designed for customers who maintain larger balances and want tiered interest with money market-style features while keeping convenient access to their funds.
CVB™ Premium Investment Checking
Provides higher earning potential for customers looking to keep larger reserves or emergency funds readily available while earning competitive interest.
CVB™ 60+ Checking
Created specifically for customers age 60 and older, featuring free checks and benefits designed with retirement banking in mind.
Why Choose Capon Valley Bank?
Since 1918, Capon Valley Bank has proudly served families and businesses throughout Frederick County, Virginia, and Hardy County, West Virginia.
When you bank with us, you’ll receive:
- Local decision-making
- Friendly, personal service
- Modern online and mobile banking
- Convenient branch locations
- A community bank committed to helping neighbors succeed
Compare Our Checking Accounts
Whether you’re looking for free checking, debit card rewards, interest earnings, or specialized benefits, Capon Valley Bank offers a checking account designed to fit your financial goals.
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. |
|
|
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
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.
Frequently Asked Questions About CVB™ Rewards Checking
How do I earn uChoose Rewards® points?
You earn uChoose Rewards® points by making qualifying purchases with your Capon Valley Bank Visa® Debit Card. You can earn additional points by shopping with participating retailers featured on the uChoose Rewards® website.
Is CVB™ Rewards Checking free?
Yes. CVB™ Rewards Checking has no monthly service fee, giving you a convenient way to manage your everyday banking without paying a monthly maintenance charge. It also includes unlimited deposits and transactions, making it an excellent choice for everyday use.
Do I need to maintain a minimum balance?
No minimum balance is required to open or maintain your CVB™ Rewards Checking account. You can enjoy all the benefits of the account without worrying about maintaining a specific balance.
Can I use online and mobile banking?
Yes. CVB™ Rewards Checking includes access to Online Banking and Mobile Banking, allowing you to check balances, transfer funds, pay bills, deposit checks with Mobile Deposit, and manage your account wherever you are.
How do I redeem my rewards?
Once you’ve earned enough points, simply log in to your uChoose Rewards® account to browse available rewards. Points can be redeemed for cash back, gift cards, travel, merchandise, event tickets, and more. Available rewards may vary.
