Overview
Checking, money market, savings, and CD options
Chain Bridge Bank, N.A. offers five personal deposit accounts: Free Checking, Interest Checking, the Money Market Account, the Savings Account, and the Certificate of Deposit. Free Checking, the Bank’s primary personal account, has no minimum balance requirement and no monthly maintenance service charge. The Bank is a national bank operating under Charter No. 24755 from the Office of the Comptroller of the Currency, and its Board-approved vision statement names three priorities: “liquidity, asset quality, and financial strength.”
Every personal account is opened and serviced by the personal banking team at the Bank’s McLean, Virginia headquarters, and accounts open online from any U.S. state; no branch visit is required. Call 703.748.2005 or toll free 1.855.899.2265. Each account summary below lists the minimum opening deposit and the average monthly balance that avoids the maintenance service charge. Select Additional features on a card for the services included with that account.
The Funds Availability Disclosure explains when funds from your deposits become available.
Checking & Money Market
Personal checking and money market accounts
Free Checking is the Bank’s primary personal account. Interest Checking and the Money Market Account are available for clients who want an interest-bearing account or paper statements.
Primary checking
Free Checking
The Bank’s primary personal checking account. Online banking, Bill Pay, a debit card, mobile deposit, and Zelle® are included. The Bank refunds the first five ATM surcharges each month. No minimum balance. No monthly maintenance service charge. Statements are electronic.
Minimum opening deposit$100
Average monthly balance to avoid maintenance service chargeNone
Monthly maintenance service chargeNone
Free Checking: additional features
| Online Banking * | Free |
|---|---|
| Online Bill Payment ** | Free |
| First order of starter checks | Free |
| ATM/Debit Card | Free |
| Monthly statement *** | Electronic |
| ATM surcharge at another bank’s ATM **** | First 5 reimbursed |
* Online Banking is free. Stop payment requires a service charge.
** Online Bill Payment is free. Rush payments and donation payments require an additional service charge.
*** Paper statement not available on this account.
**** There is no charge by Chain Bridge Bank, N.A. for the use of another bank’s ATM. The other bank may impose a surcharge. Chain Bridge Bank, N.A. reimburses the first five of these surcharges per cardholder per month.
Checking
Interest Checking
An interest-bearing checking account with electronic or paper statements.
Minimum opening deposit$100
Average monthly balance to avoid maintenance service charge$2,000
Monthly maintenance service charge$12.00
Interest Checking: additional features
| Online Banking * | Free |
|---|---|
| Online Bill Payment ** | Free |
| First order of starter checks | Free |
| ATM/Debit Card | Free |
| Monthly statement | Electronic or paper |
| ATM surcharge at another bank’s ATM *** | First 5 reimbursed |
| Interest bearing | Yes |
* Online Banking is free. Stop payment requires a service charge.
** Online Bill Payment is free. Rush payments, gift pay checks, and donation payments require an additional service charge.
*** There is no charge by Chain Bridge Bank, N.A. for the use of another bank’s ATM. The other bank may impose a surcharge. Chain Bridge Bank, N.A. reimburses the first five of these surcharges per cardholder per month.
Money market
Money Market Account
A reserve account that keeps check-writing access on balances held outside everyday checking.
Minimum opening deposit$100
Average monthly balance to avoid maintenance service charge$2,500
Monthly maintenance service charge$15.00
Money Market Account: additional features
| Online Banking * | Free |
|---|---|
| Online Bill Payment ** | Free |
| First order of starter checks | Free |
| ATM/Debit Card | Free |
| Monthly statement | Electronic or paper |
| ATM surcharge at another bank’s ATM *** | First 5 reimbursed |
| Interest bearing | Yes |
* Online Banking is free. Stop payment requires a service charge.
** Online Bill Payment is free. Rush payments, gift pay checks, and donation payments require an additional service charge.
*** There is no charge by Chain Bridge Bank, N.A. for the use of another bank’s ATM. The other bank may impose a surcharge. Chain Bridge Bank, N.A. reimburses the first five of these surcharges per cardholder per month.
Savings & Time Deposits
Savings Account and Certificate of Deposit
The Savings Account keeps reserve funds accessible with no fixed term. A Certificate of Deposit sets funds aside for a term you choose.
Savings
Savings Account
A reserve account with access to funds and no fixed term.
Minimum opening deposit$100
Average monthly balance to avoid maintenance service charge$100
Monthly maintenance service charge$5.00
Savings Account: additional features
| Online Banking * | Free |
|---|---|
| Monthly statement | Electronic or paper |
| Interest bearing | Yes |
* Online Banking is free. Stop payment requires a service charge.
Time deposit
Certificate of Deposit
A time deposit with a fixed interest rate, available for terms from 3 months to 60 months.
Fixed-rate terms3 to 60 months
Current terms are listed on the Bank’s deposit rates page, or a relationship associate can discuss options at 703.748.2005.
Related pages: manage your accounts through Digital Banking, send money with Zelle®, or look up the Bank’s routing number.
Banking for a business or organization? Business Checking, Analyzed Business Checking, Business Money Market, and Business Savings are described on the Business Deposit Accounts page.
Digital services
Included with your account
Every personal deposit account includes the Bank’s digital banking services, accessible online and through the mobile app. Digital Banking describes features and requirements.
Mobile deposit
Deposit checks from your phone by photographing the front and back of the check in the mobile app.
Zelle® and bank-to-bank transfers
Send money to people you know and trust with Zelle, and move funds between your Chain Bridge account and your accounts at other U.S. banks.
Card controls and alerts
Freeze your debit card, set spending limits, and receive account alerts by text or email. See Debit Cards.
Bill Pay and digital wallet
Pay bills online at no charge, and add your debit card to Apple Pay or Google Pay.
Incoming instant payments
Eligible accounts receive instant payments through the FedNow® Service and the RTP® network, which post in real time, every day.
Secure messaging
Reach the Bank through secure messaging in digital banking, without sending account information by email.
Digital services are governed by the Online Banking Agreement and applicable service terms.
Your relationship team
Opened and serviced in McLean, Virginia; clients nationwide
Personal accounts open online from any U.S. state and are opened and serviced by the personal banking team at the Bank’s McLean, Virginia headquarters; none of the Bank’s officers are paid on commission. The Bank reports its capital ratios and balance-sheet composition in its quarterly regulatory filings. These filings are available on the Regulatory Financial Filings page.
Any member of the team can take a first conversation and involve the right colleague. Calls are answered by Bank staff in McLean, Virginia, Monday through Friday, 9:00 a.m. to 5:00 p.m. Eastern Time; clients reach the same officers who open and service their accounts. Clients outside the Washington area may call toll free at 1.855.899.2265.
For matters requiring senior attention, contact Heather L. Schoeppe, Executive Vice President & Chief Retail Banking Officer, at 703.748.2005.
Do not send confidential personal, financial, or account information by email or through a web form.
Frequently asked questions
Personal deposit account questions
How do I open a personal deposit account?
Call the relationship team at 703.748.2005 (toll free 1.855.899.2265), Monday through Friday, 9:00 a.m. to 5:00 p.m. Eastern Time, use the Get in Touch page, or complete the Bank’s online application. A member of the team reviews and follows up on each application. Account opening is subject to the Bank’s approval and identity-verification requirements.
What is the minimum deposit to open an account?
The minimum opening deposit is $100 for Free Checking, Interest Checking, the Money Market Account, and the Savings Account. For Certificates of Deposit, a relationship associate can discuss current options.
Who do I contact about a personal account?
The personal banking team at the Bank’s McLean headquarters: Amena Begum, Lynn C. Doral, Ryan H. McMahon, and Katia N. Sleiman, at 703.748.2005 (toll free 1.855.899.2265). For matters requiring senior attention, contact Heather L. Schoeppe, Executive Vice President & Chief Retail Banking Officer.
Can I open a personal account from outside the Washington, D.C. area?
Yes. Individuals and families in any U.S. state may open personal deposit accounts online; no branch visit is required. Accounts are serviced by the personal banking team at the Bank’s McLean, Virginia headquarters, by phone, online, and through the mobile app.
How do I avoid a monthly maintenance service charge?
Free Checking has no monthly maintenance service charge. For the other accounts, keep the listed average monthly balance: $2,000 for Interest Checking, $2,500 for the Money Market Account, and $100 for the Savings Account.
What terms are available for Certificates of Deposit?
Certificates of Deposit are available for terms from 3 months to 60 months. A relationship associate can discuss current options at 703.748.2005.
When will my deposited funds be available?
The Funds Availability Disclosure explains when funds from your deposits become available.
Can I deposit checks from my phone?
Yes. Mobile deposit is included with personal digital banking: photograph the front and back of the check in the mobile app, and endorse it “For Mobile Deposit Only at Chain Bridge Bank, N.A.” Deposits are subject to review and the Funds Availability Disclosure.
Does Chain Bridge Bank, N.A. offer business deposit accounts?
Yes. The Bank offers business checking, money market, and savings accounts and Certificates of Deposit for businesses, nonprofits, and political organizations. See the Business Deposit Accounts page.
Get started
Begin a relationship
Call the relationship team at 703.748.2005, toll free 1.855.899.2265, Monday through Friday, 9:00 a.m. to 5:00 p.m. Eastern Time, or use the Get in Touch page. Accounts may also be opened through the online application; a member of the team reviews and follows up on each one.
This page is provided for informational purposes only. Account terms, service charges, and features are governed by the Bank’s deposit account agreements, the Online Banking Agreement, and current disclosures. Account opening is subject to the Bank’s approval and identity-verification requirements. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC. FedNow is a registered service mark of the Federal Reserve Banks. RTP is a registered service mark of The Clearing House Payments Company L.L.C. Apple Pay is a trademark of Apple Inc. Google Pay is a trademark of Google LLC. Member FDIC.
Last reviewed: September 1, 2026.
