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Personal Banking Topics

Xenith Checking

A solid day-to-day account that includes a variety of services without service charges. 

  • No minimum balance
  • No monthly maintenance fee
  • Unlimited check writing & debit transactions
  • VISA® Debit card*, 24-hour telephone banking, Online Banking, Bill Pay service and e-Statements
  • Free access to check images through Online Banking
  • Minimum opening deposit of $100

Interest Checking

Our Interest Checking account allows you to earn interest on your money while enjoying the freedom of no maintenance fee when you maintain our minimum balance requirement. 

  • Unlimited check writing & debit transactions
  • VISA® Debit card*, 24-hour telephone banking, Online Banking, Bill Pay service and e-Statements
  • Free access to check images through Online Banking
  • Minimum daily balance of $1,000 to avoid the monthly maintenance fee
  • Minimum opening deposit of $100

Relationship Checking

Earn premium interest and enjoy extra benefits with our Relationship Checking.

  • Free wallet style checks
  • Receive a free  3x5 Safe Deposit Box for one full year^
  • Free Cashier's Checks
  • Free VISA® Debit card*, 24-hour telephone banking, Online Banking, Bill Pay service and e-Statements
  • Free access to check images through Online Banking
  • Minimum daily balance of $5,000 in a Relationship Checking account or $15,000 combined with a personal Certificate of Deposit or Savings account and the monthly maintenance fee is waived. (Applies where the primary accountholder is the same on the qualifying deposit accounts as the Relationship Checking account)
  • Minimum opening deposit of $500


Money Market Deposit Accounts

Competitive rates across four balance tiers so as your balance increases, so does your interest rate.

  • Check writing privileges1
  • Transfer funds between your checking and Money Market Account1
  • Minimum daily balance of $2,500 to avoid the monthly maintenance fee
  • Minimum opening deposit of $500


Statement Savings

A traditional savings account is a great way to help you begin your personal savings plan. This account has a low minimum balance requirement.

  • Automatic transfers setup from your Xenith Checking to your Statement Savings1
  • Check your balance and even handle some transactions through 24-hour telephone banking1
  • Option to combine your statement with your Xenith checking account statement
  • Minimum daily balance of $300 to avoid the monthly maintenance fee
  • Minimum opening deposit of $100


Junior Savings

It is never too early to learn about the value of saving money. Start your favorite young person out on the right foot with our Junior Savings Account.

  • No minimum balance requirement or monthly maintenance fee
  • The minimum deposit for opening this account is $25

1Transaction Limitations: Federal banking regulations limit you to six pre-authorized, telephone or online transfers to your other Xenith Bank Accounts or third parties. Additionally, this limitation includes checks, drafts or similar orders you make payable to a third party. The limitation applies per statement period. If you routinely exceed these limitations, the Bank may close the account or convert it to a checking account.
*VISA® Debit cards are for qualified applicants only. ATM access fees at non-Xenith Bank ATMs or outside the SUM Network may apply. Surcharges imposed by non-Xenith Bank ATM owners or operators may apply.
^Available in the Hampton Roads area only. Subject to availability.


Certificate of Deposit (CD)

Earn a higher interest rate by placing your money in a CD. Choose from a variety of terms from 3 to 60 months.

  • Fixed interest rate
  • Low minimum opening deposit of $500

Individual Retirement Account (IRA)

We offer both Traditional and Roth IRAs for your savings benefit. Depending on what type of IRA you decide to open, you'll save on taxes either on the money you contribute or on the money you withdraw during retirement. Choose from a variety of terms from 3 to 60 months.

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Personal Loans

When you need money, Xenith Bank offers a variety of loans with competitive rates.  Decisions for our loans are made locally, which means you get an answer when you need it. Contact any location to complete an application or call for additional information.
 

Installment Loans

Let Xenith Bank assist you in making your next automobile purchase easy by getting your car loan preapproved.  Whether you are shopping for a new or used automobile, we will offer competitive rates and terms.  Knowing the amount available before shopping gives you the ability to make the right choice for the best value within your budget.
 

Certificate of Deposit (CD) Secured Loan

Secure a personal loan with your certificate of deposit while it continues to earn a competitive interest rate.   Whether it is time for a new car, college tuition or a vacation, your CD secured loan is readily available for your needs with terms that fit your budget.  A CD secured loan is also a great way to establish new credit or aid in the repair of previous credit history.


Home Improvement Loan

Anytime is a good time to make improvements to your home.  Whether you are doing minor repairs or a room addition, we have financing available to get the job done.  There are many options and terms available for your next home improvement project.

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Xenith Bank VISA® Debit Card

With the Xenith Bank VISA® Debit Card¹, enjoy banking and shopping convenience. You can perform a variety of checking and savings account transactions in seconds.  With your card, withdraw cash, make deposits, transfer funds between accounts and obtain balance information free at any SUM² ATM. At the same time, pay for your purchases without cash, checks, or credit cards.

When presented at merchants honoring VISA®, your purchase is automatically deducted from your checking account. You can view and track your debit card spending any time you want with Online Banking.

¹VISA® Debit  cards are for qualified applicants only. ATM access fees at non-Xenith Bank ATMs or outside the SUM Network may apply. Surcharges imposed by non-Xenith Bank ATM owners or operators may apply.
²Click the link to learn more about SUM and its advantages or visit www.sum-atm.com.


VISA® Debit Card Security

Protect Your Card
Your safety is our priority. Safeguard your card and transactions by following these simple safety tips. 

  • Do not write your PIN on or near your card. Do not share it with anyone. Bank representatives do not have access to your PIN and will not ask for it.
  • Choose ATMs in highly visible, well-lit locations and have your card ready.
  • Survey your surroundings and avoid locations where people are loitering nearby.
  • Block the keypad from view to prevent anyone from seeing you enter your PIN
  • After completing your transaction, always take your card and receipt with you.
  • If your card is lost or stolen or to report suspicious card activity, call (877) 785-5640 immediately. After hours, call (800) 500-1044.


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Online Banking / Bill Pay

Xenith Bank makes it easy for you to have quick, secure access to your accounts anywhere, anytime with online banking.  Accessing bill pay through online banking gives you the ability to pay anyone (personal or business) as a one-time payment or recurring payments through a secure website.  Using both services is convenient and free to our customers. Contact any branch or call Customer Service at (877) 785-5642 for more information. 

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e-Statements

Discover  how e-Statements can help you manage your finances faster and easier. It's safe, secure and more convenient than receiving your statements by mail. You will receive an email notification from the Bank the day your statement is available. 

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24-Hour Telephone Banking

Access your accounts anytime, anyplace - 24 hours a day, 7 days a week. All you need is your Personal Identification Number (PIN) and a touch tone phone. 

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Personal Remote Deposit Capture

Experience the convenience of making check deposits from your own home.  With the personal remote deposit capture service, you will be able to use a flat bed scanner and deposit checks without leaving your house.  Contact any branch or call Customer Service at (877) 785-5642 for more information during standard business hours.

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Mobile Banking

Mobile Banking makes it easy for you to securely access your accounts on the go by using a web browser, text messaging or by downloading an app to your Smartphone.  No matter what time of day or where you are, you have the ability to check your account, review your transaction history, transfer funds between your Xenith accounts, pay bills or make a deposit. Enroll through your online banking access today by going to the administration tab.

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Mobile Banking Deposit

Deposit checks wherever, whenever to your personal account using Mobile Deposit on the Xenith mobile banking app. You simply take a photo of the front and back of your endorsed check using your smartphone and submit. It is that easy. A secure, convenient alternative to visiting a branch or ATM.

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Make Your Xenith Bank Loan Payments Online or by Telephone

Use our convenient online system to pay your Xenith Bank loan payment electronically by clicking online loan payment by calling Customer Service at (877) 785-5642 during standard business hours.

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Electronic Account Opening

It has never been more convenient to open a checking, savings, money market or CD with Electronic Account Opening.  Our simple application process makes it easy and our advanced technology makes it completely secure.  This opening process can be done anytime online with a few minutes and some basic information.  Applying is easy and approval is quick click on Electronic Account Opening to take advantage of this innovative product.

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Switching Banks

Switching banks does not have to be a hassle! Xenith Bank would like to make it easier by walking you through the process. We are here to help every step of the way. Contact any branch or call Customer Service at (877) 785-5642 for more information during standard business hours.

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