CHECKING & SAVINGS

Banking should feel easy,
and with us, it is.

Simple. Secure. Member-Focused Banking.

At RVA Financial Federal Credit Union, our checking and savings accounts are designed to help you manage your money with confidence. Whether you’re building your first savings, managing everyday expenses, or planning for the future, we offer affordable, flexible banking solutions that put members first.

As a member-owned credit union serving the RVA community, we focus on fair rates, lower fees, and personal service—so your money works harder for you.

Our checking accounts make everyday banking easy, secure, and convenient—without the high fees of traditional banks.

Features & Benefits

  • Low or no monthly service fees
  • Free or low-cost debit card access
  • Online & mobile banking
  • Mobile check deposit
  • Direct deposit & bill pay
  • 24/7 account access
  • Enhanced fraud monitoring & security

Whether you’re managing household expenses, receiving paychecks, or making everyday purchases, RVA Financial checking accounts keep your money accessible and protected.

RVA Premier Checking

In addition to the standard features, our RVA Premier Checking accounts include:

    • Earn 2.00% APY* on balances from $0.01 through $3,000.00
    • Mastercard debit card that you can take anywhere
    • Convenient, 24/7/365 access to ItsMe247 online banking
    • Mobile app with Remote Deposit Capture – deposit a check using the camera on your smartphone**

Our checking accounts make everyday banking easy, secure, and convenient—without the high fees of traditional banks.

Features & Benefits

  • Low or no monthly service fees
  • Free or low-cost debit card access
  • Online & mobile banking
  • Mobile check deposit
  • Direct deposit & bill pay
  • 24/7 account access
  • Enhanced fraud monitoring & security

Whether you’re managing household expenses, receiving paychecks, or making everyday purchases, RVA Financial checking accounts keep your money accessible and protected.

RVA Empowerment Checking

You may have had hiccups in life, but that should not stop you from all of the advantages afforded by a world-class checking account. 

    • Fast and reliable direct deposit
    • No hidden fees
    • Convenient mobile banking
    • Free Mastercard debit card
    • Hundreds of CO-OP Network ATMs
    • Friendly member service whenever you need it
We understand bumps in the road. Rebuild your finances with RVA Financial.

Savings Accounts That Help You Grow

Saving is the foundation of financial success. Our savings accounts help you build healthy financial habits while earning competitive dividends.

Features & Benefits
  • Competitive dividend rates
  • Low minimum balance requirements
  • Federally insured by the NCUA
  • Automatic transfers from checking
  • Easy access through digital banking
  • Youth & starter savings options available

From emergency funds to long-term goals, our savings accounts support you every step of the way.

Savings

RVA Savings accounts include:

    • Monthly dividend payments
    • Minimum required balance of only $5.00
    • No monthly maintenance fees
    • Insured by the federal government to at least
    • $250,000.00
Savings is the cornerstone
of every great financial plan.
Everyday Banking That Works for You

Other Deposit Accounts

Direct Deposit & Checking Accounts Simplify your daily money management with:

    • Fast and reliable direct deposit
    • No hidden fees
    • Convenient mobile banking
    • Free Mastercard debit card
    • Hundreds of CO-OP Network ATMs
    • Friendly member service whenever you need it

RVA Financial also offers:

  • Holiday Clubs
  • Money Market accounts
  • IRAs
Everyday Banking That Works for You
*APY =  Annual Percentage Yield. Rates current as of April 1, 2019 and subject to change without notice. To earn APY on RVA Premier Checking, certain requirements must be met. Fees could reduce the earning on the account.  Please call (804) 359-8754 to learn more.
**Remote Deposit Capture access requires account approval. Please call (804) 359-8754 to learn more.

Why Choose RVA Financial for Checking & Savings?

Member-Owned Advantage
As a credit union, we reinvest profits back into our members through better rates, fewer fees, and improved services.

Community-Focused Banking
We proudly serve the RVA region with a commitment to local growth, financial education, and personalized support.

Trusted & Secure
Your financial security matters. We use modern technology and responsible financial practices to safeguard your accounts.

Personalized Service
Our team is here to help you choose the right accounts based on your goals—not push products you don’t need.

Open an Account with Confidence

Opening a checking or savings account at RVA Financial Federal Credit Union is simple and welcoming. Whether you prefer to apply online or visit us in person, our team is ready to help you get started.

Bank local. Save smarter. Join RVA Financial Federal Credit Union today.