Stay Vigilant, Stay Safe,
Help Us Prevent Fraud
Do you believe you are a victim of fraud?
Contact us and we will connect you with our Fraud Prevention and Detection Team
Contact Us Report Fraud
Fraudsters have become more proficient at faking caller ID – so just because your phone shows Blue Ride Bank, doesn’t mean it’s really us.
Red flags include situations where a caller claims to be BRB, asks for passwords and/or pins, or other sensitive information. Never give out this information without verifying the source of the caller.
If you did not make the call, disconnect and call us at our known number, (888) 331-6521. Our call center is open 9AM to 5PM Monday through Friday.
Red Flags
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Did someone claiming to be Blue Ridge Bank call and ask for card information, one-time passcode, and/or login credentials to online banking?
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Were you contacted by someone out of the blue and pressured to transfer your money (to “protect” it) or to wire them money?
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Were you asked to hide information from or lie to Blue Ridge Bank or your other financial institution(s)?
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Does this transaction involve a foreign country, territory, or state where you don’t have contacts or connections?
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Have you been “overpaid” or “over reimbursed” for something and are now being asked to send the “extra” money back?
If you answer “YES” to any of these, you may be the target of a scam. Don’t click on any links or share any information with the person contacting you.
If you’ve lost money to a scam, call us at (888) 331-6521 as soon as possible to see if we can place protection on your account and try to recover funds.
Phishing
Phishing is a type of online scam where fraudsters impersonate banks or financial institutions to trick you into revealing personal or financial information, such as your login credentials, credit card numbers, or account details. These scams often appear as emails, text messages, or fake websites designed to look legitimate. If you receive an unexpected request for sensitive information, it’s best to contact BRB directly using a trusted method before taking any action.
Elder Abuse
Financial elder abuse happens when someone takes advantage of an older adult’s money or assets without their permission. It can involve things like pressuring one to send money, sending fake bills that need payment, and more. If you notice anything that doesn’t seem right with your own account or a loved one’s, don’t wait to speak up. BRB can help review the situation and take steps to protect those at risk.
Romance Scams
Romance scams happen when someone builds a fake online relationship to gain your trust and steal your money. These scammers often target people through dating apps or social media, and the requests usually start small—then grow into repeated asks for wire transfers, gift cards, or even cryptocurrency. A common red flag is being asked to send money to someone you’ve never met in person. If this happens to you or someone you know, take a step back and contact your local representative.
Check Fraud
Check fraud happens when criminals use fake, stolen, or altered checks to try to steal your money. One common method is check washing, where fraudsters steal a check you’ve mailed, erase the original details, and rewrite it to themselves. To avoid becoming a victim of this, sign up for online banking, so you can make sure your money goes where you need it to go. Scammers may also ask you to deposit a check and quickly send part of the money back—only for the check to later bounce, leaving you responsible. These scams often show up as fake job offers, online sales, or unexpected prizes. If something feels off, don’t rush. Talk to your local representative before taking action—once the money is gone, it can be hard to recover.
Helpful Links
Provided below are helpful links to learn more about how to protect yourself and your loved ones from fraud:
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 - $24,999.99 | 0.15% | 0.15% |
| $25,000.00 - $49,999.99 | 1.50% | 1.50% |
| $50,000.00 - $99,999.99 | 2.15% | 2.15% |
| $100,000.00 - $249,999.99 | 2.65% | 2.65% |
| $250,000.00 - $499,999.99 | 2.85% | 2.85% |
| $500,000.00 - $999,999.99 | 3.20% | 3.20% |
| $1,000,000.00 - $2,999,999.99 | 3.40% | 3.40% |
| $3,000,000.00 - $4,999,999.99 | 3.60% | 3.60% |
| $5,000,000.00 and Greater | 3.85% | 3.85% |
*Annual Percentage Yield (APY) accurate and effective as of 07/15/2025. 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 |
| 23 Months | 3.80% | 3.85% | $1,000 |
*Annual Percentage Yield (APY) accurate and effective as of 7/15/2025. 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. Offers are for new money not currently on deposit with us. 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, 15-month term, and 23-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 - $2,499.99 | 0.25% | 0.25% |
| $2,500 - $9,999.99 | 0.50% | 0.50% |
| $10,000 - $24,999.99 | 0.75% | 0.75% |
| $25,000.00 - $49,999.99 | 1.00% | 1.00% |
| $50,000.00 - $99,999.99 | 1.25% | 1.25% |
|
$100,000.00 - $249,999.99 |
3.05% | 3.05% |
| $250,000.00 - $999,999.99 | 3.15% | 3.15% |
| $1,000,000 and Greater | 3.15% | 3.15% |
*Annual Percentage Yield (APY) accurate and effective as of 07/15/2025. This rate is subject to change. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Municipal Money Market
| Balance | Rate | APY* |
|---|---|---|
| $0.00 - $24,999.99 | 0.15% | 0.15% |
| $25,000.00 - $49,999.99 | 1.35% | 1.35% |
| $50,000.00 - $99,999.99 | 2.00% | 2.00% |
| $100,000.00 - $249,999.99 | 2.50% | 2.50% |
| $500,000.00 - $999,999.99 | 3.05% | 3.05% |
| $1,000,000.00 - $2,999,999.99 | 3.25% | 3.25% |
| $3,000,000.00 - $4,999,999.99 | 3.45% | 3.45% |
| $5,000,000.00 and Greater | 3.70% | 3.70% |
*Annual Percentage Yield (APY) accurate and effective as of 07/15/2025. 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 - $24,999.99 | 0.00% | 0.00% |
| $25,000.00 - $49,999.99 | 2.76% | 2.76% |
| $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 07/15/2025. This rate is subject to change. The minimum balance to open and obtain interest and APY on the Signature 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. 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.