Personal Savings & Money Market - Virginia Commerce Bank

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Personal Savings

Save the worry of where to save your money. At VCB, we’ll find the best solution to grow your funds for short-term goals or your life-long dreams. Whether you’re saving for healthcare expenses, a wedding, a new house, remodeling, college tuition or retirement, what matters to you matters to us.

	Savings¹	VCBee Savings²	MEGA Savings³	Money Market Account⁴	MEGA Money Market Account⁵
Account Overview	Make unlimited deposits and have the ability to withdraw funds when you need them.	Help teach saving basics to children, tweens or teenagers under age 18.	Earn a market-leading interest rate on deposit balances of $10,000 and above when you have any VCB checking account.	Access your money easily through limited check-writing with our popular money market account.	Keep the flexibility of checkbook access while earning a MEGA rate when you maintain a minimum balance of $25,000 or higher.
Minimum Opening Deposit	$100	None	$100	$100	$100
Maximum Monthly Withdrawals to Avoid Fee	6	6	6	Total of 6 — including checks	Total of 6 — including checks
Excess Withdrawal Fees	$1 per item	None	$5 per item	$9 per item	$9 per item
Minimum Daily Balance to Avoid Maintenance Fees	$100	None	$10,000	$2,500	$2,500
VCB Checking Account Required
FREE Online Banking with eStatements and Mobile Banking
Overdraft Protection Sweep Linked to VCB Checking Account

Please read our Bank Services Agreement or our Schedule of Fees.

Take advantage of our consistently high Deposit Rates and experience outstanding customer service today; call (877) 822-5015 or use our locator to find a branch convenient to you.

^1. Savings. A $2 monthly maintenance fee applies if Savings balance falls below $100. APY may be obtained with any positive account balance. However, fees may reduce earnings, where applicable.
This is a variable rate account; the Annual Percentage Yield (APY) may change after account opening.
^2. VCBee Savings. APY may be obtained with any positive account balance. However, fees may reduce earnings, where applicable. This is a variable rate account; the APY may change after account opening. Limit one account per child.
^3. MEGA Savings. A $10 monthly maintenance fee applies if MEGA Savings balance falls below $10,000. APY may be obtained with any positive account balance. However, fees may reduce earnings, where applicable. MEGA Savings requires a VCB checking account. If required checking account is new, minimum opening deposit is $1,000. This is a variable rate account; the APY may change after account opening. Ask for complete details.
^4. Money Market. A $10 monthly maintenance fee applies if Money Market Account balance falls below $2,500. APY may be obtained with any positive account balance. However, fees may reduce earnings, where applicable. This is a variable rate account; the APY may change after account opening.
^5. MEGA Money Market. A $10 monthly maintenance fee applies if MEGA Money Market Account balance falls below $2,500. APY may be obtained with any positive account balance. However, fees may reduce earnings, where applicable. MEGA Money Market requires a VCB checking account. If required checking account is new, minimum opening deposit is $1,000. This is a variable rate account; the APY may change after account opening.