Send and receive funds while defending against fraud. These services make it simple and easy.
ACH Services
Streamline payments and ensure accuracy with our ACH services.
- Conduct a number of outgoing payments 24/7, electronically:
- Directly deposit employee payroll
- Make vendor payments
- Pay state and federal taxes
- An up-to-date record of transactions is available via online banking or account statements
- Schedule one-time or recurring outgoing payments
- Efficient and accurate processing, providing more visibility to your cash position
- Improve cash flow
- Increase productivity by automating processes
- Cut down on employee resources and time
- Increase accuracy; reduces human error
- Eliminates wastes and expenses associated with paper checks
Wire Transfers
Get money where it needs to go quickly and securely. Our wire transfer services can move money domestically and internationally.
- Easy, same-day, safe movement of funds
- Initiate domestic and international wire transfers
- Initiate wire instructions from the convenience of your office
- Save time and company resources
- Schedule one-time transfers or create recurring templates for future use
Positive Pay
Catch fraud before it happens with this service that can keep fraudulent checks from clearing.
- Catch fraudulent activity before the money leaves your account
- Simple, back end process:
- Positive Pay — Automatically compares checks presented for payment to those in your check issued file
- ACH Positive Pay — Automatically compares the ACH transactions presented for payment to the authorized company's transactions on file
- Sends alerts when a mismatch occurs
- You decide whether or not to approve the payment
- Timely return of money should fraud occur
- Enjoy increased peace of mind knowing your information is receiving increased security
Remote Deposit Capture
Trips to the bank can add up quickly — especially when your business is no stranger to receiving checks. Remote deposit capture bridges the gap between your office and the branch.
- Simply scan checks, then send them on their way for review and processing
- Accelerate funds availability and maximize cash flow
- Free up resources by preventing unnecessary bank trips
- Spend less time preparing documents
- Fewer errors in accounting
- Consolidate deposits from multiple locations
- Enhanced security; reduce the risk of check fraud
ACH Services
Streamline receivables and ensure timeliness of collections with our ACH services.
- Manage collections of receivables electronically
- An up-to-date record of transactions is available via online banking or account statements
- Schedule one-time or recurring collections
- Efficient and accurate processing, providing more visibility to your cash position
- Improve cash flow
- Increase productivity by automating processes
- Cut down on employee resources and time
- Increase accuracy; reduces human error
Learn more about our Business Credit cards here — and to see an overview of the product, check out the demo!
Blue Ridge Bank is proud to partner with Atlantic Merchant for all your merchant services needs. Boost sales and smiles with this convenient service. Start accepting major debit and credit cards from your customers.
- Available to BRB business customers
- Provide additional payment options for your customers
- Accept major credit and debit cards for increased versatility
- Boost your bottom line by making it easier for people to pay you
- Reduce processing time and human error
- Reduce billing expenses
- Equipment is easy to use and set up
- Streamline billing and record-keeping
Meet your BRB treasury team.
Bettie Dunnavant
VP, Treasury Management Officer
Central Virginia and Valley Region
[email protected]
540-967-8903
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.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
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.
- Net cost of buying $0
- Net cost of leasing $0
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.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
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.
- Monthly deposit needed to reach goal $0
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.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Business Money Market
| Balance | Rate | APY* |
|---|---|---|
| $0.00 - $2,499.99 | 0.00% | 0.00% |
| $2,500.00 - $4,999.99 | 0.05% | 0.05% |
| $5,000.00 - $24,999.99 | 0.10% | 0.10% |
| $25,000.00 - $99,999.99 | 0.35% | 0.35% |
| $100,000.00 - $999,999.99 | 0.50% | 0.50% |
| $1,000,000.00 and Greater | 0.65% | 0.65% |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. This rate is subject to change. Minimum balance to open and to obtain APY is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Business Savings
| Product | Balance | Interest Rate | APY* |
|---|---|---|---|
| Business Savings | $500.00 | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. This rate is subject to change. Minimum balance to open is $500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Business with Interest
| Balance | Rate* |
|---|---|
| $3,000.00 | 0.10% |
*Rate accurate and effective as of 03/01/2025. This rate(s) is subject to change. Minimum balance to open is $100.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Certificate of Deposit Specials
| Term | Interest Rate | APY* | Minimum Balance |
|---|---|---|---|
| 5 Months | 4.15% | 4.20% | $1,000 |
| 10 Months | 3.84% | 3.90% | $1,000 |
| 15 Months | 3.80% | 3.85% | $1,000 |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. This is a limited time offer and may be withdrawn at any time. Minimum balance to open and to obtain APY is $1,000.00. 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, 10-month term, and 15-month term. Ask us for complete details.
Certificates of Deposit
| Term | Rate | APY* | Minimum Balance |
|---|---|---|---|
| 3 - 5 Months | 2.72% | 2.75% | $1,000 |
| 6 Month | 2.73% | 2.75% | $1,000 |
| 7 - 11 Months | 2.72% | 2.75% | $1,000 |
| 12 - 17 Months | 2.48% | 2.50% | $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 |
*Annual Percentage Yield (APY) accurate and effective as of 04/01/2025. This rate is subject to change. Minimum balance to open and to obtain APY is $1,000.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Early withdrawal fee may apply. Ask us for complete details.
Charitable Checking
| Product | Interest Rate | APY* |
|---|---|---|
| Charitable Account | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. This rate is subject to change. Minimum balance to open is $500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Commercial Reserve
| Minimum Balance | Rate | APY* |
|---|---|---|
| $100.00 | 3.75% | 3.82% |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. This rate is subject to change. Minimum balance to open is $100.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Golden Advantage Certificate of Deposits and Specials
| Term | Interest Rate | APY* | Minimum Balance |
| 12 months | 3.94% | 4.00% | $1,000 |
| 30 months | 1.34% | 1.35% | $1,000 |
| 36 months | 1.39% | 1.40% | $1,000 |
| 48 months | 1.44% | 1,45% | $1,000 |
| 60 months | 1.49% | 1.50% | $1,000 |
**Annual Percentage Yield (APY) accurate and effective as of 04/01/25. 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.
Golden Advantage Money Market
| Product | Minimum Balance | Interest Rate | APY* |
|---|---|---|---|
| Golden Advantage Money Market | $2,500.00 | 2.48% | 2.50% |
*Annual Percentage Yield (APY) accurate and effective as of 04/01/2025. This rate is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Golden Advantage Plus Checking
| Balance | Interest Rate | APY* |
|---|---|---|
| $0.00 - $2,499.99 | 0.025% | 0.030% |
| $2,500.00 - $24,999.99 | 0.050% | 0.050% |
| $25,000.00 - $49,999.99 | 0.050% | 0.050% |
| $50,000.00 and Greater | 0.075% | 0.076% |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. This rate(s) is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Health Savings
| Product | Interest Rate | APY* |
|---|---|---|
| Health Savings Account | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 4/1/2025. This rate is subject to change. Minimum balance to open and to obtain APY is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Kasasa Cash*
| Balance | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| $100 - $15,000 | $100 | 4.41% | 4.50% |
| $15,000+ | n/a | 0.05% | 0.05% |
| All balances if qualifications not met | n/a | 0.01% | 0.01% |
*APY=Annual Percentage Yield. APYs accurate as of 4/1/2025. Rates may change after account is opened. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 4.50%; and (3) balances over $15,000 earn 0.05% interest rate on the portion of the balance over $15,000. If qualifications are not met on Kasasa Cash, all balances earn 0.01% APY. Qualifying transactions must post and settle to Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. Transfers between accounts do not count as qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00. or higher.
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 15 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, you will 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 | $100.00 | 2.96% | 3.00% |
| $100,000+ | $100.00 | 0.05% | 0.05% |
| All balances if qualifications not met | $100.00 | 0.01% | 0.01% |
*APY=Annual Percentage Yield. APYs accurate as of 3/01/2025. Rates may change after account is opened. Qualifying transactions must post and settle to Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to $100,000 in Kasasa Saver receive an APY of 3.00%; and (2) balances over $100,000 in Kasasa Saver earn 0.05% interest rate on portion of balance over $100,000, resulting in 0.05% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.01% APY. Transfers between accounts do not count as qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.
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 15 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, you will still earn our base rate. You can get right back to earning your full rewards the very next month.
MD IOLTA
| Balance | APY* |
|---|---|
| $0.01 and Greater | 3.30% |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. Minimum deposit to open is $100.00. This rate(s) is subject to change. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Money Market Tiered
| 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% |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. This rate is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Municipal Money Market
| Balance | Rate | APY* |
|---|---|---|
| $1,000.00 and Greater | 0.15% | 0.15% |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. This rate is subject to change. Minimum balance to open and to obtain APY is $1,000.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
NC IOLTA
| Balance | APY* |
|---|---|
| $0.01 and Greater | 3.30% |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. Minimum deposit to open is $100.00. This rate(s) is subject to change. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Personal Savings
| Product | Interest Rate | APY* |
|---|---|---|
| Personal Savings | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. This rate is subject to change. Minimum balance to open is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Platinum Money Market
| Balance | Rate | APY* |
|---|---|---|
| $0.00 - $24,999.99 | 0.00% | 0.00% |
| $25,000.00 - $49,999.99 | 3.15% | 3.20% |
| $50,000.00 - $249,999.99 | 3.15% | 3.20% |
| $250,000.00 and Greater | 3.15% | 3.20% |
*Annual Percentage Yield (APY) accurate and effective as of 11/19/24. The minimum balance to obtain interest on the Platinum Money Market is $25,000. 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.
Signature Money Market*
| Balance | Rate | APY* |
|---|---|---|
| $0.00 - $49,999.99 | 0.00% | 0.00% |
| $50,000.00 - $249,999.99 | 3.01% | 3.05% |
| $250,000.00 and Greater | 3.15% | 3.20% |
*Annual Percentage Yield (APY) accurate and effective as of 04/01/2025. This rate is subject to change. The minimum balance to open and obtain interest and APY 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. Fees may reduce earnings. Ask us for complete details.
VA IOLTA
| Balance | APY* |
|---|---|
| $0.00 - $50,000.99 | 0.10% |
| $50,001.00 and Greater | 0.20% |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. Minimum deposit to open is $100.00. This rate is subject to change. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Youth Savings
| Product | Interest Rate | APY* |
|---|---|---|
| Youth Savings | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 03/01/2025. This rate is subject to change. Minimum balance to open is $10. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.