Make the Switch to Capon Valley Bank

Feb 24, 2026 | 2 Minute Read

Switch to Capon Valley Bank

Close in distance. Closer in service.
Right down Rt. 11 in Stephens City or off I-81 Exit 307. Local people. Local banking. Local choice.

If your bank is closing, you have a nearby option you can trust. Capon Valley Bank is only 2.6 miles away in Stephens City on Rt. 11 at I-81 Exit 307. You will talk with local bankers who make local decisions. We will help you move accounts, direct deposits, and merchant services quickly and carefully so you don’t miss a beat.

Why choose Capon Valley Bank

  • Nearby and convenient: about 2.6 miles from Kernstown, right down Rt. 11, or from I-81, off of Exit 307.
  • Real people, local decisions: loan and account decisions are made here in the community.
  • No out-of-area call centers: when you call, a local teammate answers.
  • Smooth transitions: we guide you step by step to move accounts and services with minimal disruption.
  • Community-focused: we understand local businesses, payroll cycles, and deposit timing.

When you make the switch, we will:

  • Move direct deposits.
  • Transfer automatic bill payments.
  • Reissue debit cards and enroll you in online banking.
  • Transition ACH and merchant services for businesses.
  • Provide a local point of contact for follow-up.

For businesses:

Keep your business running without interruption. We help move ACH files, merchant accounts, payroll deposits, and business deposit arrangements. You get a direct local contact, not a ticket number. We coordinate timing to reduce downtime so payroll and payments keep working as usual.

For consumers:

You do not need to start over. We will help you set up direct deposit, automatic payments, online banking access, and replace debit cards. Bring a photo ID and a recent statement, and we will walk you through the rest so nothing is missed.

What to bring:

  • Valid photo ID (driver’s license or passport).
  • A recent account statement from your old bank.
  • For businesses: ACH files, merchant service details, and payroll contact info.
  • A list of automatic billers you want to transfer.

Frequently asked questions

Q: How far is your Stephens City branch?
A: We are about 2.6 miles from Kernstown. You will find us right down Rt. 11, off I-81 Exit 307.

Q: Will I deal with a call center if I need help?
A: No. You will speak with local bankers who live and work in the same communities you do.

Q: How long does switching take?
A: Most account moves are quick. The exact time depends on direct deposits and recurring payments. We walk you through everything and confirm it is working.

Q: Can you help my business move merchant services?
A: Yes. We work with your merchant services provider and your team to transition merchant processing and ACH with minimal downtime.

Q: What if I need help after hours?
A: Call us during branch hours or use our contact form to schedule an appointment. We will follow up promptly with a local banker.

Visit us or make an appointment:

Stephens City Branch: 5511 S. Main Street, Stephens City, VA

Hours:
Mon–Fri 9:00 AM to 5:00 PM
Sat 9:00 AM to 12:00 PM

Phone: (540) 540-868-1140
Email: trosenberry@caponvalleybank.com

Make an appointment, and together we will prepare your switching packet so your visit goes quickly.

You can also stop by during business hours, and we will walk through the checklist together.

Thanks for considering Capon Valley Bank!

Local People. Local Banking. Local Choice.