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Digital Wallet Frequently Asked Questions

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Where does the contact information come from for the text or email passcode?

The phone number or email that BRB will be used to deliver your one-time passcode will come from the bank's information on file.  Need to update your contact information?  Contact your local BRB representative or contact customer service

How do I use Apple Pay in stores?

To use Apple Pay in stores:

  • Look for the contactless and Apple Pay symbol at the register
  • Hold your iPhone near the contactless reader with your finger on Touch ID™
  • Keep your phone by the contactless reader until it vibrates and beeps indicating your payment was accepted. 

How do I use Samsung Pay in stores?

To use Samsung Pay in Stores:

  • When you see that the contactless payment symbol
    • Swipe up on the screen from bottom to top to launch the app and place your finger on the home key or enter your pin
    • The last card used or viewed would be the card defaulted for payment; you can swipe left and right to scroll through your payment cards and select the one you want to use for payment
    • Hold your Samsung device near the card reader 
  • When the merchant uses a traditional magnetic card strip reader:
    • Place the back of your Samsung Pay device against the area where you would typically swipe your card
    • Hold your Samsung Pay device near the card reader to complete the purchase
    • A message on the payment terminal will let you know your payment was successful
  • In participating apps, checking out is as easy as selecting Samsung Pay.

How do I use Google Pay in stores?

To use Google Pay in stores:

  • Look for the contactless symbol at the register
  • Unlock your phone and hold it near the participating merchant's card reader
  • You'll see payment confirmation right on your phone

Why am I receiving “an account not supported” message in Google Pay or Samsung Pay?

If you are using an old G suite account, these are not supported in digital wallet because they are issued by nonprofits, education or government organizations. For example, a Gmail that was set up while you were in college by the school. You will need to have a Gmail account such as [email protected] to enroll.

What happens if my card is lost/stolen/misplaced?

You need to delete the card from your digital wallet.  Also, notify our customer service team by phone (888) 331-6521 or email, [email protected]. If you are using a credit card, contact [email protected].  When you receive a new card, you will take the same steps you used to enroll initially.

What if my card has expired or is expiring?

Your digital wallet will update automatically when a new expiration date or CVV number is issued.  If you feel like this hasn’t happened for you or an error, contact our customer service team by phone (888) 331-6521 or email [email protected].  If you are using a credit card, contact [email protected]

Can I remove my debit card from my digital wallet?

Yes, you can delete your card from your digital wallet.

What if I dispute my transaction with a merchant where I used my digital wallet?

Disputes on digital wallet transactions are treated the same way as traditional transactions. Contact our customer service team by phone at (888) 331-6521 or email [email protected] for assistance with a dispute.  If you are using a credit card, contact [email protected]

Can one card be enrolled on two devices?

Yes, but this is not recommended.

What do I do if my device is lost or stolen after I add my card to Digital Wallet?

Immediately contact our customer service team by phone (888) 331-6521 or email [email protected] to report your card as lost or stolen.  If you are using a credit card, contact [email protected]

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Kasasa Cash CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

1. Vehicle Info
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2. Loan Details
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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total interest earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Total paid $0
  • Total interest paid $0

Certificate of Deposit Specials

Term Interest Rate APY Minimum Balance
5 Months 4.44% 4.50% $1,000
10 Months 4.13% 4.20% $1,000

Annual Percentage Yield (APY) accurate and effective as of 9/30/2024. This is a limited time offer and may be withdrawn at any time. Minimum balance to open and to obtain APY is $1,000. Certain restrictions and conditions may apply. Fees may reduce earnings. Early withdrawal fee may apply. All figures in examples are for product explanation and are based on a 5-month and 10-month term. Ask us for complete details.

Certificates of Deposit

Term Rate APY Minimum Balance
3 - 5 Months 1.00% 1.00% $1,000
6 Month 1.05% 1.05% $1,000
7 - 11 Months 1.10% 1.10% $1,000
12 - 17 Months 1.24% 1.25% $1,000
18 - 23 Months 1.29% 1.30% $1,000
24 - 35 Months 1.34% 1.35% $1,000
36 - 47 Months 1.39% 1.40% $1,000
48 - 59 Months 1.44% 1.45% $1,000
60 Months and Longer 1.49% 1.50% $1,000

The Minimum Opening Deposit and Minimum Balance Requirement is $1,000 for Terms 60 Months or less and $25,000 for Terms 72 Months or greater.

Please see our Disclosure information

Checking and Savings Accounts

Product Interest Rate APY Balance
Charitable Account 0.10% 0.10%  
Health Savings Account 0.15% 0.15%  
Jackpot Savings 0.10% 0.10%  
Savings Accounts 0.10% 0.10%  
Golden Advantage Plus 0.025% 0.03% $0.00-$2,499.99
Golden Advantage Plus 0.05% 0.05% $2,500.00-$49,999.99
Golden Advantage Plus 0.075% 0.076% $50,000.00 and Greater
Youth Savings Account 0.10% 0.10%  

Please see our Disclosure information

Golden Advantage Certificate of Deposits and Specials

Term Interest Rate APY Minimum Balance
12 months 4.23% 4.30% $1,000
30 months 1.34% 1.35% $1,000
36 months 1.39% 1.40% $1,000
60 months 1.49% 1.50%  $1,000

**Annual Percentage Yield (APY) accurate and effective as of 9/30/2024. This is a limited time offer and may be withdrawn at any time. Minimum balance to open and to obtain APY is $1,000. Certain restrictions and conditions may apply. Fees may reduce earnings. Early withdrawal fee may apply. All figures in examples are for product explanation and are based on a 12-month, 30-month, and 60-month term. Ask us for complete details.

Jumbo Certificates of Deposit

Term Rate APY Minimum Balance
1 - 2 Months 1.00% 1.00% $100,000
3 - 5 Months 1.09% 1.10% $100,000
6 Months 1.15% 1.15% $100,000
7 - 11 Months 1.19% 1.20% $100,000
12 Months and Longer 1.34% 1.35% $100,000

The Minimum Opening Deposit and Minimum Balance Requirement is $1,000 for Terms 60 Months or less and $25,000 for Terms 72 Months or greater.

Please see our Disclosure information

Kasasa Cash*

Balance Minimum Deposit to Open Interest Rate APY
$100 - $15,000 $100 4.89% 5.00%
$15,000+ NA 0.05% 0.05%
All balances if qualifications not met NA 0.01% 0.01%

Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Have at least 1 direct deposit or 1 ACH auto debit post and settle

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month.

Kasasa Saver*

Balance Minimum Deposit to Open Interest Rate APY
$0 - $100,000 $0 2.96% 3.00%
$100,000+ $0 0.05% 0.05%
All balances if qualifications not met $0 0.01% 0.01%

Qualifications

Qualifying for your Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Have at least 1 direct deposit or 1 ACH auto debit post and settle

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month.

Money Market

Balance Rate APY
$0.00 - $24,999.99 0.25% 0.25%
$25,000.00 - $49,999.99 0.35% 0.35%
$50,000.00 - $249,999.99 0.50% 0.50%
$250,000.00 and Greater 0.65% 0.65%

Municipal Money Market

Balance Rate APY
$1,000.00 and Greater 0.15% 0.15%

Platinum Money Market

Balance Rate APY
$25,000.00 and Greater 3.15% 3.20%

Signature Money Market*

Balance Rate APY
$0.00 - $24,999.99 0.00% 0.00%
$25,000.00 - $49,999.99 0.00% 0.00%
$50,000.00 - $249,999.99 3.88% 3.95%
$250,000.00 and Greater 3.88% 3.95%

 

*Annual Percentage Yield (APY) accurate and effective as of 9/30/24. The minimum balance to obtain interest on the Signature Money Market is $50,000. An $11 service fee applies if the account balance falls below the minimum balance. This offer is for new money not currently on deposit with Blue Ridge Bank.

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