All Xenith Bank locations will close at Noon on December 24th and reopen for normal business hours on Monday, December 28th dismiss

Personal Checking

A personal checking account isn’t just a financial tool. It’s a way to satisfy goals and equip you to pursue what you want out of life. Whether you are opening your first account or adding to your banking portfolio, choose from a variety of Xenith Bank options to find the one that best meets your needs.


Our most straightforward checking account. Take advantage of reliability, simplicity and a variety of services with a low minimum deposit and no service charges.


Put money back in your pocket. You earn interest on everyday funds. We’ll waive your $7 monthly service fee when you maintain a minimum daily balance of $1,000.


Earn high rewards for maintaining high balances. Link Relationship Checking to your other Xenith Bank accounts and earn premium rates, discounts and fee waivers.

We’ll waive your $15 monthly service fee when one of the following requirements in statement-ending balances is met.

  • Minimum daily balance of $5,000 in checking account, or
  • $15,000 or more in qualifying linked bank deposit accounts (savings, CDs, IRAs)

¹Available in the Hampton Roads and Middle Peninsula area only. Subject to availability.

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