Personal Checking
Checking You'll Actually Be Glad You Have
Our checking accounts pay you back, skip the fees, and come with a local banker you can actually reach. Compare your options and open online in minutes.
Checking Accounts
Best for High Yield
Kasasa Cash® Checking
4.50% APY
Most checking accounts quietly nickel-and-dime you. Kasasa Cash® does the opposite — 4.50% APY on your balance plus ATM fee refunds, just for the everyday things you already do each month.
- Earn 4.50% APY on your balance
- ATM fee refunds up to $20/month when qualified
- No monthly maintenance fee
- Debit card included with account opening
Best for Simplicity
Simply Checking
No monthly maintenance fee and no minimum balance. Simply Checking is just what it sounds like — straightforward everyday checking, with nothing to pay just to keep it open (certain fees, such as dormant-account fees, may apply).
- No monthly maintenance fee
- Debit card included with account opening
- Zelle® & Digital Wallet included
- Eco-friendly e-statements
Age 55 & Better
Golden Advantage
By 55 and better, you've earned a little extra care. Golden Advantage delivers it — dedicated service, free checks, exclusive CD & Money Market rates, and benefits that fit this chapter of life.
- Priority service & dedicated support
- Up to 4 ATM reimbursements/month
- Free checks & 10% off safe deposit box
- Higher rates on CDs & Money Market accounts
Age 55 & Better — Premium
Golden Advantage Plus
Earns Tiered Interest
Everything in Golden Advantage — elevated. Unlimited check writing, free cashier's checks, and additional ATM reimbursements for customers who want the full premium experience.
- Free unlimited check writing
- Free Cashier's Checks & paper statements
- Up to 4 ATM fee reimbursements/month
Military & First Responders
First Honor Checking
Earns Interest
Our service members and first responders give everything they've got. First Honor Checking is our way of saying thank you — interest on your balance, 5 domestic ATM fee refunds, and benefits that honor your service.
- Earns 1.51% APY on your balance
- Avoidable fees — waived with direct deposit*
- 5 domestic ATM fee refunds per cycle
- 2 free boxes of checks + 50% off safe deposit box
Age 13+
Student Banking
Good money habits start young. Student Banking gives account holders age 13 and older the tools to manage money with confidence — a joint account with an adult, built to learn with guardrails in place. Open with just $100.
- $100 minimum to open
- Joint account with an adult
- Mobile-first banking
- Zelle® available for users 18+
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
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Which checking account is right for me?
It comes down to how you like to bank. Kasasa Cash® pays high yield on your everyday balance, Simply Checking skips the monthly fee, Golden Advantage is built for folks 55 and better, and First Honor gives back to military and first responders. Not sure? A banker will happily help you compare.
Is digital banking really free on every account?
It sure is. Every BRB personal account comes with full digital banking at no charge — Zelle®, mobile deposit, bill pay, real-time alerts, and a Personal Finance Manager to keep it all in view.
How do I open an account?
Most accounts open online in just a few minutes. Or stop by any of our 27 branches across Virginia and North Carolina and we'll get you set up in person.
Are my deposits insured?
Yes — your deposits are FDIC insured up to $250,000 per depositor, per ownership category.
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Decision Guide
Not Sure Which One Fits?
Put every checking account side by side — rates, fees, minimums, and perks — on one simple comparison page.