Additional Services

Overdraft Protection Options

We offer several options to cover you in case you should accidentally overdraw your checking account.

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Switch Kit

Thinking about switching banks? Come to C&F and we’ll make it easy for you!

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C&F VISA™ Check Card with Rewards

A C&F Bank Check Card with Rewards is a Visa Check Card that can be used to earn points that are redeemable for great prizes. It can be used to pay for goods and services wherever a VISA sign is displayed. This card functions as an enhanced ATM card. It can be used to make purchases at merchant locations displaying a VISA logo.

This card is not a credit card. The purchase amount is deducted from a checking account just like a regular check. The availability of funds is confirmed at the time of purchase. The buyer authorizes payment by signing the receipt or by putting their Personal Identification Number (PIN) in to verify the transaction.


  • Redeem points at the Check Card Rewards Website
  • Functions like a credit card when presented to a cashier although the purchase amount is not added to a credit card balance
  • Allows you to pay for your purchases with money in your C&F Bank checking account without writing checks
  • Gives you access to all C&F ATMs, and any other ATM where the VISA logo is displayed (Appropriate for traveling)
  • Can be used to make purchases at more than 11 million locations worldwide that display the VISA logo -- malls, restaurants, grocery stores, gas stations, etc. (Widely Accepted)
  • Provides a receipt for each purchase (As useful as a Credit Card)


The C&F Visa Check Card with Rewards is Free


Overdraft Protection Options

Overdraft ProtectionAt C&F Bank, we offer several options to cover your account in case you should accidentally overdraw your checking account. Options will be discussed with you at account opening.

Overdraft Privilege

Save merchant charges by using Overdraft Privilege to cover your overdrafts so that your checks, debit card transactions, automatic payments and ATM withdrawals are paid.

  • We will charge you a fee¹ of up to $33 each time we pay an overdraft.
  • An additional overdraft charge fee will be assessed to your account every time that your account is continuously overdrawn for 5 consecutive business days.
  • You will not be charged for more than 10 items per day, up to a maximum of $290.00. There is no per item overdraft fee when your account is overdrawn by $3.00 or less at the end of our business day.
  • Overdraft Privilege is a discretionary service.

Overdraft Protection Transfers

You have the option to link your eligible C&F account to your primary checking account in the event of an item presented against non-sufficient funds. One transfer will be made at the end of each banking day to cover any items presented against non-sufficient funds. Transfer fees apply. Transaction limits and excess withdrawal fees apply to savings accounts.

Easy Access Line of Credit²

This line of credit advances money into your account each day to cover items presented against non-sufficient funds. Transfer fees apply.

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¹The fee applies to overdrafts created by check, in-person withdrawals, ATM withdrawals, or other electronic means. Overdraft fees apply to transactions created by check, in-person withdrawal, internal transfer, or other electronic means. Overdraft fees will not be imposed on ATM withdrawals or one-time debit card items unless the account has opted-in. To remain in good standing, you must bring your account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours. We reserve the right to require you to pay an overdraft immediately or on demand.

²Subject to credit approval

Switch to C&F Bank

We make it easy to switch to C&F Bank

Have you been thinking about switching banks but are concerned that it may be too difficult?

At C&F Bank, we make switching easy for you! Our Switch Kit provides step-by-step instructions to make switching to C&F Bank a breeze.

To access our Switch Kit, click here