Preferred Banking

It's the concierge level for your checking account.
Visit a Branch to Apply View Rates

Get a $100 Cash Bonus, when you open a personal checking account*

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 Make-It-Mine debit card
  • Free checks for life
  • 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
  • Bank on your time through Online Banking, Mobile Banking and Online Bill Pay
  • 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
  • Qualifies for Loyalty Savings, Money Market, CDs and IRA accounts, where you can earn premium rates
  • $25 to open
  • FDIC-insured
  • Free 3 x 5 safe deposit box (or 50% off any other size) 

$100 Cash Bonus*

Now through July 31, 2018, open a personal checking account and set up a recurring qualified direct deposit of $250 or greater that is received twice within 60 days, and you'll get $100!
Have questions? Need help?

*Bonus: In order to qualify for the $100 cash bonus, you must (1) open a new personal Checking account, by July 31, 2018, AND (2) set up one recurring qualified direct deposit in which two direct deposits of $250 or greater are received within 60 days of account opening. A “qualified direct deposit” is a direct deposit of a paycheck, pension, Social Security or other eligible regular monthly income, electronically deposited by an employer or an outside agency into your new checking account. Cash bonus is only available to new customers that do not currently have a personal checking account with us and have not received a cash bonus from us in the prior 12 months. Bonus may not be combined with any other offer and may be withdrawn without notice. All accounts are subject to approval. $100 Cash Bonus Payment: $100 cash bonus will be credited to your new checking account within 30 days after all terms of offer are met. Your checking account must be in good standing at time of payment to receive cash bonus award. Cash bonus value will be reported to IRS as taxable income.

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.