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Studley, Virginia - Banks search results Premier Listings

First National Bank
First National Bank
What types of bank accounts are there?

There are many types of bank accounts, such as checking, savings, money market, and certificate of deposit accounts. From personal loans to high interest CDs, knowing what types of accounts are out there will help you determine the right account type for you.

  • Savings Accounts - A savings account is for people who want to set aside money to save. Savings accounts usually pay low interest for any balance that remains in the account, although the interest isn't as high as a certificate of deposit or money market account. There are banks that require you to maintain a minimum balance and charge a fee if your balance goes below that.

  • Checking Accounts - A basic checking account is usually free or low cost and allows for a customer to make deposits and withdrawals, as well as use a debit card and write checks. This type of account usually doesn't pay interest, and there are fees, depending on the financial institution, for certain activity such as being overdrawn or taking money out of another bank's ATM. This type of account is good for someone who is opening their first account, such as a student.

  • Money Market Accounts - Money Market Accounts require the customer to maintain a minimum balance, almost as a loan to the bank. The bank then invests the minimum balance in short-term debt such as treasury bills or certificates of deposit. This is a good account type to have if you want to invest money for interest.

  • Certificates of Deposit - A certificate of deposit (CD) account requires a customer to leave a certain amount of money in the account. The benefit of this type of account is that the bank pays an interest rate on the balance. Another benefit of certificate of deposit accounts is that they often return higher interest than a regular checking or savings account.
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    Commercial Finance Association
    We are the primary commercial banking organization in the country. We list many banking institutions for checking and savings accounts, loan programs, refinancing, and purchasing.  
    American Bankers Association
    Washington, DC 20036
    Our organization promotes issues of national importance for financial institutions and their customers. We provide valuable and extensive information for major bank chains through our organization.
    National Bankers Association
    Washington, DC 20005
    We are an important trade organization for minority and female-owned banks and financial institutions. Get your membership today to receive more resources and business development.
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    Argent Credit Union
    2015 Staples Mill Rd, Richmond, VA 23230
    Argent Credit Union is dedicated to being our members’ trusted financial partner for life by offering quality products and services.
    (804) 748-9488
    Argent Credit Union
    3611 Oxbridge Rd, Richmond, VA 23236
    Argent Credit Union is dedicated to being our members’ trusted financial partner for life by offering quality products and services.
    (804) 748-9488
    Argent Credit Union
    11900 Chester Village Dr, Chester, VA 23831
    Argent Credit Union is dedicated to being our members’ trusted financial partner for life by offering quality products and services. We are committed to the well-being of our community.
    (804) 748-9488
    9495 Charter Gate Dr, Mechanicsville, VA 23116
    (804) 228-7700
    Union First Market Bank
    8300 Bell Creek Rd, Mechanicsville, VA 23116
    (804) 559-7993
    State Farm Insurance
    9117 Dickey Dr, Mechanicsville, VA 23116
    (804) 427-6804
    M & T Bank
    8206 Atlee Rd, Mechanicsville, VA 23116
    (804) 559-1031
    Wells Fargo Bank
    9197 Atlee Rd, Mechanicsville, VA 23116
    (804) 569-6006
    Village Bank
    9097 Atlee Station Rd Ste 304, Mechanicsville, VA 23116
    (804) 417-3220
    Cadmus Group The
    9172 Ivy Banks Dr, Mechanicsville, VA 23116
    (804) 730-5956
    9186 Chamberlayne Rd, Mechanicsville, VA 23116
    (804) 746-4978
    First Market Bank
    9534 Chamberlayne Rd, Mechanicsville, VA 23116
    (804) 730-1700
    411 Group
    8529 Meadowbridge Rd Ste 700, Mechanicsville, VA 23116
    (804) 746-4411
    Union First Market Bank
    6479 Mechanicsville Tpke, Mechanicsville, VA 23111
    (804) 569-9440
    Union First Market Bank
    7279 Bell Creek Rd, Mechanicsville, VA 23111
    (804) 730-5313

    Choosing a bank for your personal and business financial needs can be stressful. But you have many options for investing your money, and the process doesn’t have to be scary. One of the first decisions you have to make is whether you need a checking or savings account, or both. A checking account is an account that you can write checks from and use a debit card from. A savings account earns higher interest but is designed for longer term investing. You will also need to decide what kind of bank you want to join. You can choose from a large commercial branch, or a credit union. With the larger banks, you can usually access your accounts online. They also let you make deposits at the ATM and even transfer cash this way. But smaller ones tend to yield higher rates on your money. They also offer lower interest on mortgages and student loans. If you like to manage your finances online, there are even banks based on the web. These internet banks can still lend you money via loans just like the others. However, you do lose having a physical space, so you can’t have a safety deposit box at these institutions. Talk to your broker or financial adviser about your needs, and he or she can help you find the right bank. With so many options available, there is bound to a bank that can meet your needs and that makes you feel comfortable. Investing for your future is growing more important every day.
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