C&F Bank — originally chartered as Citizens and Farmers Bank — has served Virginia families, farmers and business owners for nearly a century. As an FDIC-insured institution headquartered in West Point, we combine the stability of a $2.1 billion bank with the personal attention that only a Virginia community bank delivers. Your CFFC online banking login connects you to checking, savings, mortgages, business lending and treasury tools from one secure portal.
Every decision is made by bankers who live in your region, understand Virginia agriculture, defense contracting and the Hampton Roads economy, and answer the phone when you call. That is the C&F Bank difference — relationship banking backed by institutional-grade digital infrastructure.
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C&F Bank holds a Virginia state charter and maintains FDIC insurance on every deposit account. Over $2.1 billion in assets, 30 branch locations from Richmond to the Northern Neck, and a staff-to-client ratio that ensures you never become a number.
Your CFFC online banking dashboard puts core functions one click away. Deposit a cheque, pay bills, transfer funds, or review your mortgage — without visiting a branch.
Open or manage checking and savings accounts, track CD maturity dates, and review money market yields. C&F Bank offers free personal checking with no minimum balance — rare for a bank our size. Direct deposit hits same day.
Virginia-specific home mortgages (conventional, FHA, VA, VHDA), auto loans from 4.39% APR, and personal loans with same-week funding. Local underwriting — your C&F Bank loan officer reviews your file, not an algorithm.
Business checking, treasury management, SBA 7(a) and 504 loans, and commercial real estate financing. C&F Bank is an SBA Preferred Lender — faster approvals, direct SBA communication, cutting weeks off standard timelines.
Secure online banking, mobile app with remote cheque deposit, bill pay, wires and real-time account alerts. CFFC online banking works across desktop, iOS and Android with biometric authentication.
A community bank that actually knows your community. Citizens and Farmers Bank pairs local decision-making with digital tools that rival the national chains — without their fee schedules.
Loan applications at C&F Bank are reviewed by officers in Virginia, not a processing centre in another state. Mortgage pre-approvals typically arrive within 48 hours. SBA loans clear our Preferred Lender desk in 5-7 business days versus the industry average of 30-45.
Our loan-to-deposit ratio holds at 73%, below the FDIC national average. Conservative balance sheet. Aggressive service. That is the C&F Bank model — built on the Citizens and Farmers heritage.
Your CFFC online banking portal delivers real-time balances, mobile cheque deposit with same-day availability under $5,000, Zelle transfers and automatic sweep between accounts. Every session encrypted with AES-256 and protected by adaptive MFA.
For business clients, treasury management includes ACH origination, positive pay, wire initiation and dual-authorisation controls. The same C&F Bank platform, scaled for payroll departments and AP teams.
C&F Bank finances agriculture operations in the Northern Neck, defense contractors in Hampton Roads, healthcare practices in Richmond, and small businesses across the Tidewater region. Our commercial lending team holds a combined 90+ years of Virginia-specific experience.
VHDA-assisted mortgages, SBA-guaranteed loans, agricultural operating lines — structured around your cash flow, not a generic template. That kind of proactive relationship only happens at a community bank rooted in Virginia since 1927.
Real outcomes from C&F Bank customers across Virginia.
"After dealing with a national bank that didn't understand seasonal cash flow, switching to C&F Bank was like night and day. My banker grew up on a farm in King William County. He structures my operating line around my harvest cycle, not a spreadsheet formula. The CFFC online banking handles the digital side beautifully."
— William T., Grain Producer, Northern Neck VA
"We needed $850K in SBA financing to expand our restaurant in Williamsburg. C&F Bank's Preferred Lender status meant our approval went straight through. Application to funded — 7 business days. Previous bank quoted 6-8 weeks. That speed let us lock in the lease before another bidder."
— Sofia L., Owner, Colonial Kitchen Group
"Managing payroll for 310 employees across five Virginia locations required two platforms and manual reconciliation. C&F Bank consolidated everything — ACH, positive pay, wire approvals — into one C&F Bank treasury dashboard. Our controller saves 11 hours a month."
— David R., CFO, Tidewater Construction Partners
Whether you need a personal checking account, a home mortgage, or a $5M commercial line, our team is ready. No automated phone trees. No offshore call centres. Just Virginia bankers who understand the local economy.
Visit any of our 30 branches, call 804-843-2360, or start your application online.
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