Loyalty Checking

The larger your balance, the more you earn
Visit a Branch to Apply View Rates

This super-charged checking account delivers higher interest and plenty of benefits.

Tiered rates can grow your money quickly
Free Online & Mobile Banking

With Loyalty Checking, you’ll experience tiers of joy.

Ready to take your checking account to a higher level? You'll be rewarded with tiered rates based on your balance. So the more you have on deposit, the greater your growth. 

  • Free ATM transactions at all Xenith ATMs, plus 5 free transactions at non-Xenith ATMs including the rebate of ATM surcharge fees charged by other banks
  • Bank on your time through Online Banking, Mobile Banking and Online Bill Pay
  • Use Apple Pay®, Google PayTM or Samsung Pay® for quicker payments
  • Access to thousands of ATMs nationwide through the SUM® ATM Network
  • Compare this account's competitive rate with other options
  • 0.25% discount on new loans when you use an automatic payment from your account1
  • Free first order of Specialty style checks (or $10 off other styles)
  • Maintain a $2,500 minimum daily balance in this account or a $10,000 combined balance in personal Xenith deposit, installment loan and line of credit accounts to avoid a $10 service charge
  • Qualifies for Loyalty Savings, Money Market, CD and IRA accounts, where you can earn premium rates
  • $25 to open
  • FDIC-insured 
Have questions? Need help?

1This is not a commitment to lend or extend credit. All loans, credit and collateral are subject to approval.