All  students in Virginia and West Virginia  compete in the Richmond office with the following exceptions:

• The West Virginia counties of Brooke, Hancock, Marshall, Ohio, Tyler, and Wetzel are served by the Federal Reserve Bank of Cleveland and are not eligible to compete in the 5th District College Fed Challenge.
• The counties of Berkeley, Grant, Hampshire, Hardy, Jefferson, Mineral and Morgan may participate at the Baltimore Branch.
• The Virginia counties of Arlington, Fairfax, Loudon, and Prince William and the cities of Alexandria, Fairfax, Falls Church, Manassas and Manassas Park may participate at the Baltimore Branch.

• Students in Maryland and D.C. compete at the Baltimore Branch.
• Students in the Virginia counties of Arlington, Fairfax, Loudon and Prince William counties and the cities of Alexandria, Fairfax, Falls Church, Manassas and Manassas Park compete at the Baltimore Branch.
• Students in the West Virginia counties of Berkeley, Grant, Hampshire, Hardy, Jefferson, Mineral and Morgan compete at the Baltimore Branch.

Students in North Carolina and South Carolina compete in the Charlotte Branch.