Preferred Banking

It's the concierge level for your checking account.
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The preferred way to bank.

Tiered interest paid monthly
Free Online & Mobile Banking
Unlimited non-Xenith, surcharge-free ATM withdrawals

This account's benefits take your checking to a higher level.


If you want to experience our highest level of checking, Xenith's Preferred Banking sets the bar. Get access to exclusive discounts and maximize your money with higher rates paid on higher balances.
 
  • Unlimited free non-Xenith ATM withdrawals (including fees charged by other banks)
  • Add any image you'd like to your debit card with Make-It-Mine
  • Free personal checks for life, any available style
  • Bank on your time through Online Banking and Mobile Banking
  • Use Apple Pay® for quicker payments
  • 0.35% discount on new loans when you use an automatic payment from your account1
  • Complimentary Estate Planning and Financial Planning services
  • Free identity theft resolution services
  • No Overdraft Protection transfer fees
  • Free 3 x 5 safe deposit box (or 50% off any other size)
  • Qualifies for Loyalty Savings, Money Market, CD and IRA accounts, where you can earn premium rates
  • Maintain a $25,000 minimum daily balance in this account or a $50,000 combined balance in personal Xenith deposit, installment loan and line of credit accounts to avoid a $25 monthly service charge
  • $25 to open
  • FDIC-insured
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Disclosures:

1This is not a commitment to lend or extend credit. All loans, credit and collateral are subject to approval. Does not apply to Wealth Management loan products.