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Policies & Disclosures

Blue Ridge Bank Policies and Disclosures

Please be informed about our policies. Click any of the links below to view:

Bounce Protection Customer Overdraft Policy

updated 9/8/11
An insufficient balance could result in several ways, such as (1) the payment of checks, electronic funds transfers, or other withdrawal requests; (2) payments authorized by you; (3) the return of unpaid items deposited by you; (4) the imposition of bank service charges; or (5) the deposit of items which, according to the bank’s Funds Availability Policy, are treated as not yet available or finally paid. We are not obligated to pay any item presented for payment if your account does not contain sufficient funds. However, if you maintain your account in good standing (defined as making regular deposits and bringing your account to a positive balance at least once every 30 days) and there are not legal orders outstanding, we may approve your reasonable overdrafts as a non-contractual courtesy.

We will charge you a Bounce Protection Paid Item Fee of $30.00 each time we pay an overdraft. Normally, we will not approve an overdraft for you in the excess of the pre-determined amount assigned to your account type, plus our Insufficient Funds handling fee charge(s). We may refuse to pay an overdraft for you at any time, even though we may have previously paid overdrafts for you. You will be notified by email via an e-Notice or by US mail of any non-sufficient funds items paid or returned that you may have; however, we have no obligation to notify you before we pay or return an item. The amount of any overdraft plus our Insufficient Funds handling fee charges(s) you owe us shall be due and payable upon demand. If there is an overdraft paid by us on an account with more than one (1) owner on the signature card, each owner and agent, if applicable, drawing/presenting the item creating the overdraft, shall be jointly and severally liable for such overdraft plus our Insufficient Funds handling fee charge(s).

Available to individually/jointly owned accounts in good standing for personal or household use. Blue Ridge Bank and Trust Co. reserves the right to limit participation to one account per household and to discontinue this service without prior notice.

Important Information About Online Security

At Blue Ridge Bank and Trust Co., we value the safety and privacy of your personal information. In doing so, we want to remind you of our policies regarding nonpublic, personal information.

When you call us, come to a branch, or visit us online, we will ask for some information to verify your identity. But, we want to assure you that we will never call you or send you an email asking you to send us a response containing personal or private information.

In the past several months, several “scams” have been centered around phone calls or emails asking a customer to reveal account numbers, ATM or Debit Card numbers, passwords or other personal, private, nonpublic information. In some cases, scammers are sending fraudulent emails claiming to be from certain banks or banking agencies and then asking customers to visit a fraudulent web site identical to the bank’s authentic web site in order to have customers provide their personal information.

We want to remind you never to disclose ANY personal identifying information if requested via an unsolicited email or phone call. This includes:

  • Blue Ridge Bank and Trust Co. account numbers or credit card numbers
  • Personal Identification Numbers (PIN) or passwords
  • Social Security Number
  • Mother’s maiden name
  • Other private information
Additionally, if you use Blue Ridge Bank and Trust online, log out when finished and close your browser before leaving your computer. Never leave your computer unattended during a Blue Ridge Bank and Trust online session.

If you ever get an unsolicited phone call or email claiming to be from Blue Ridge Bank and Trust asking you for personal identifying or account information, please do not respond. Call us at 816-358-5000 to let us know and to be sure you are communicating with Blue Ridge Bank and Trust Co. Also, be wary of any email asking you to log into Blue Ridge Bank and Trust online if it does not link to the official Blue Ridge Bank and Trust site located at