We know business
Our Norfolk lending team understands your local business environment. Whether you are looking to start your business or you are ready to grow, Blue Ridge Bank has financial experts ready to partner with you.
We have special financing for qualifying businesses and can find your best fit from various options. We are ready to offer attentive service through every step of the process.
Lean on your Hampton Roads business team for thorough, attentive service for every step of your commercial loan process. Our loan officers are knowledgeable with experience in the Hampton Roads market and can find solutions customized to your business's unique situation with local decision-making and processing.
Make sure your money is working as hard as you do with our suite of business banking services tailored to the unique needs of your business.
- Business Checking and Savings Accounts including accounts for non-profit organizations.
- Business Credit Cards with cash back options
- Multi Cards and Fleet Cards which helps simplify statements for your accounts payables department
- Settlement Account
- Money Market Accounts and CDs (ask about our current promotional rates)
- Online digital banking
In today’s challenging business environment, it’s more important than ever to streamline your cash management services to improve cash flow. Our Treasury Management services can help improve your payments and collections processes while optimizing your business’s liquidity, and also mitigating your financial, operational, and reputational risk.
- Receivables include lockbox, ACH and mobile deposits
- Payables include wires and bill pay
- Online digital banking for easy management
- Line of credit sweeps and zero balance account sweeps
Meet the team.
Bill Pollard
SVP, Sr. Relationship Manager
[email protected]
Office: (757) 942-3000
Mobile: (757) 383-0277
Industry Expertise: Medical/Professional, CRE, Site Contractors, Homebuilders and Developers
Learn MoreProud Partner in Norfolk
We are the official bank of the Norfolk Admirals. Every company has specific needs. When you bank with your Norfolk team, it's not one size fits all. Learn More about our relationship with the Admirals here.
Supportive Business Banking Team
Blue Ridge Bank has been and is there when we need them! They have never stopped working for us and with us. No problem has been too small nor too big; they have always stepped up to the plate, allowing us to concentrate on our day-to-day Business items. -Dwayne Furlough, Flipper McCoy's
Localized Decision Making
Blue Ridge Bank provided the development financing for Smith Farm estates. This beautiful 113-lot custom home community includes amenities like a park, playground area, a natural amphitheater for concerts, a picnic area, and docks for kayaking or fishing.
Our Norfolk Team quickly executed financing with local decision-making and processing and can do the same for your business.
Additional Local Partnerships
Let's Connect
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 Certificates of Deposit Rates
| Term | Rate | APY* | Minimum Balance |
|---|---|---|---|
| 3 - 5 Months | 1.49% | 1.50% | $1,000 |
| 6 Month | 1.59% | 1.60% | $1,000 |
| 7 - 11 Months | 1.69% | 1.70% | $1,000 |
| 12 Months | 1.79% | 1.80% | $1,000 |
| 13 - 17 Months | 1.89% | 1.90% | $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 11/01/2025. 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.
Business Money Market Account Special
| Balances | Rate | APY* |
| $100,000 and Greater | 3.250% | 3.300% |
*Annual Percentage Yield (APY) accurate and effective as of 8/12/2026. This rate is subject to change. Minimum balance to open this account is $2,500.00. Minimum balance to obtain the promotional APY is $100,000.00. This applies to new money only. Promotional period runs for 6 months from date account was opened. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Business Money Market Rates
| Balance | Rate | APY* |
|---|---|---|
| $0.00 - $24,999.99 | 0.25% | 0.25% |
| $25,000.00 - $49,999.99 | 1.00% | 1.00% |
| $50,000.00 - $99,999.99 | 1.50% | 1.52% |
| $100,000.00 - $249,999.99 | 2.00% | 2.02% |
| $250,000.00 - $499,999.99 | 2.20% | 2.25% |
| $500,000.00 - $999,999.99 | 2.54% | 2.57% |
| $1,000,000.00 - $2,999,999.99 | 2.73% | 2.77% |
| $3,000,000.00 - $4,999,999.99 | 2.93% | 2.97% |
| $5,000,000.00 and Greater | 3.17% | 3.22% |
*Annual Percentage Yield (APY) accurate and effective as of 12/11/2025. 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 Rates
| 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 Rates
| 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 Rates
| Term | Interest Rate | APY* | Minimum Balance |
|---|---|---|---|
| 5 Months | 3.71% | 3.75% | $1,000 |
| 10 Months | 3.70% | 3.75% | $1,000 |
| 15 Months | 3.70% | 3.75% | $1,000 |
| 23 Months | 3.70% | 3.75% | $1,000 |
*Annual Percentage Yield (APY) accurate and effective as of 08/10/2026. 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, 15-month term, and 23-month term. Ask us for complete details.
Charitable Checking Rates
| 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.
Consumer Certificates of Deposit Rates
| Term | Rate | APY* | Minimum Balance |
|---|---|---|---|
| 3 - 5 Months | 1.49% | 1.50% | $1,000 |
| 6 Month | 1.59% | 1.60% | $1,000 |
| 7 - 11 Months | 1.69% | 1.70% | $1,000 |
| 12 Months | 1.79% | 1.80% | $1,000 |
| 13 - 17 Months | 1.89% | 1.90% | $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 11/01/2025. 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.
First Honor Checking Rates
| Product | Interest Rate | APY* |
|---|---|---|
| First Honor Checking | 1.50% | 1.51% |
*Annual Percentage Yield (APY) for First Honor Checking is 1.51%. APY accurate and effective as of 1/1/26. Rates may change after account is opened. Fees may reduce earnings. Minimum balance to open account is $50.00. A $10 service fee applies if the account balance falls below the minimum balance requirement of $1,000.
Golden Advantage Certificate of Deposits and Specials Rates
| Term | Interest Rate | APY* | Minimum Balance |
| 12 months | 3.70% | 3.85% | $1,000 |
| 30 months | 1.34% | 3.85% | $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 8/10/2026. 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 | 2.83% | 2.87% |
*Annual Percentage Yield (APY) accurate and effective as of 12/11/2025. 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 Rates
| 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 Rates
| 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* Rates
| Balance | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| $0.01 - $15,000.99 | $100 | 4.41% | 4.50% |
| $15,001.00 and Greater | 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 $15,000.99 receive APY of 4.50%; and (3) balances over $15,001.00 earn 0.05% interest rate on the portion of the balance over $15,001.00 and over. 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.
**This includes a combination of the ATM surcharge reimbursement and the BRB foreign ATM fee
Kasasa Saver* Rates
| Balance | Minimum Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| $0.01 - $100,000.99 | $100.00 | 2.96% | 3.00% |
| $100,001 and Greater | $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 $100,000.99 in Kasasa Saver receive an APY of 3.00%; and (2) balances over $100,001 in Kasasa Saver earn 0.05% interest rate on portion of balance over $100,001, 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.
MD IOLTA
| Balance | APY* |
|---|---|
| $0.01 and Greater | 2.76% |
*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 Rates
| 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 |
2.39% | 2.42% |
| $250,000.00 - $999,999.99 | 2.49% | 2.52% |
| $1,000,000 and Greater | 2.49% | 2.52% |
*Annual Percentage Yield (APY) accurate and effective as of 12/11/2025. 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 Rates
| Balance | Rate | APY* |
|---|---|---|
| $0.00 - $24,999.99 | 0.25% | 0.25% |
| $25,000.00 - $49,999.99 | 1.00% | 1.00% |
| $50,000.00 - $99,999.99 | 1.36% | 1.37% |
| $100,000.00 - $249,999.99 | 1.85% | 1.87% |
| $250,000.00 - $499,999.99 | 2.05% | 2.07% |
| $500,000.00 - $999,999.99 | 2.39% | 2.42% |
| $1,000,000.00 - $2,999,999.99 | 2.58% | 2.62% |
| $3,000,000.00 - $4,999,999.99 | 2.78% | 2.82% |
| $5,000,000.00 and Greater | 3.03% | 3.07% |
*Annual Percentage Yield (APY) accurate and effective as of 12/15/2025. 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.
Municipal Money Market Special
|
Balance |
Rate |
APY* |
| $1,000,000 and Greater | 3.810% | 3.877% |
*Annual Percentage Yield (APY) accurate and effective as of 8/12/2026. This rate is subject to change. Minimum balance to open this account is $1,000.00. Minimum balance to obtain the promotional APY is $1,000,000.00. This applies to new money only. Promotional period runs for 12 months from date account was opened. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
NC IOLTA
| Balance | APY* |
|---|---|
| $0.01 and Greater | 2.76% |
*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 Money Market Account Special
| Balances | Rate | APY* |
| $25,000 and Greater | 3.250% | 3.300% |
*Annual Percentage Yield (APY) accurate and effective as of 8/12/2026. This rate is subject to change. Minimum balance to open this account is $2,500.00. Minimum balance to obtain the promotional APY is $25,000.00. This applies to new money only. Promotional period runs for 6 months from date account was opened. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details. The following rates apply to balances below $25,000: $0.00-$2,499.99 0.250% APY; $2,500.00-$9,999.99 0.500% APY; $10,000.00-$24,999.99 0.750% APY
Personal Savings Rates
| 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 | 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 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 Rates
| 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.