Important Announcement

TEXT SCAM ALERT– a widespread scheme to capture your personal information is being sent through text message. Do not click on any links or call the number in the message.

Business Checking Accounts

Pick from two comprehensive business checking accounts depending on your needs. Earn points while utilizing all the technology VCNB has to offer. Meet with a commercial banker to learn more or follow the link to open easily online!

All accounts include the following benefits:

checkmarkFree Mobile Banking and Bill PaycheckmarkFree Basic Business Online BankingcheckmarkFree Account Alerts
checkmarkFree Electronic StatementcheckmarkFree Telebanc ServicescheckmarkFree Change Orders

Account Name Overview Features Benefits Additional Services5
Business Rewards Checking

Open at branch

Earn points for purchases and more! The more you spend with your VCNB business debit card, the more you earn. Earn 1 point for every $3 you spend. Also, earn more UChoose Reward® Points by adopting additional business banking products. Redeem your reward points for cash back to your account. Register your card at UChooseRewards.com and start earning today!
  • Minimum balance requirement of only $5001
  • 175 free transactions; $.25 per additional item2
  • Earn rewards points with your business debit cards
  • Free Mobile Banking and Bill Pay3
  • Free Basic Business Online Banking
  • Free Account Alerts
  • Free Electronic Statement4
  • Free Telebanc Services
  • Free Change Orders
  • Deluxe® Payroll
  • Merchant Services
  • Lock Box Services
Business Rewards Checking +Plus

Open at branch

A Premium Checking Account with Even More Ways to Earn! Earn UChoose Reward® Points on everyday purchases with your VCNB business debit card. Get even more points by adopting additional products that are exclusive to Business Rewards Checking Plus account holders. Redeem your rewards points for cash back to your account. Register your card at UChooseRewards.com and start earning today!
  • No minimum balance requirement
  • $15 monthly service charge. Waived with $10,000 average collected balance for the month
  • 400 free transactions; $0.35 per additional transaction2,6
  • $100,000 in combined monthly loan & deposit relationship balance(s) waives monthly maintenance fee & per item fees
  • Earn rewards points with your business debit cards
  • Free Mobile Banking and Bill Pay3
  • Free Basic Business Online Banking
  • Free Account Alerts
  • Free Electronic Statement4
  • Free Telebanc Services
  • Free Change Orders
  • Deluxe® Payroll
  • Merchant Services
  • Business Online Banking Plus
  • Remote Deposit Capture
  • Positive Pay
  • Lock Box Services

Additional Rewards:

Business Debit Card Purchases
(Both PIN & Sig Purchases)
1 pt for every $3 spent; 200 bonus pts for 21 or more purchases per cycle
Deluxe® Payroll 2500 pt bonus one-time upon sign up
Merchant Services 5000 pt bonus one-time upon sign up
VCNB Business Visa® Platinum credit card 2500 pt bonus one-time upon sign up; earn one point for every $1 spent.
Positive Pay7 6000 pt bonus one-time upon sign up
Remote Deposit Capture7,8 5000 pt bonus one-time upon sign up
Business Online Banking Plus7 2500 pt bonus one-time upon sign up

1. $500 minimum average collected balance requirement. If < $500, a $5 fee will be assessed per statement cycle.
2. A transaction is considered a check written, deposit made, check deposited, ACH credit and ACH debit.
3. Accounts registered for bill pay that do not make at least one payment during the calendar month will be assessed a $3 fee.
4. $5 per statement cycle for paper statements.
5. Additional fees apply for additional services. Contact an account representative for individual business pricing.
6. Maximum 2,000 items per month. For businesses with the need to process greater than 2,000 items per month, please see an account representative for pricing.
7. Only available with Business Rewards Checking Plus.
8. Enrollment in Business Online Banking Plus is required.

scrolltop