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Deposit Services


Business Checking

Small Business Checking

At Blue Ridge Bank and Trust Co. we realize that as a small business you have unique needs.  We've designed our Small Business Checking Account just for you.

The fees are less; the terms are just right.

Features include:

  • Low $5 monthly maintenance fee
  • Up to 75 deposited items per month
  • Up to 50 credits per month
  • Up to 50 debits per month           

This account includes Basic Plus Online Cash Management to initiate account-to-account transfers, stop payments, download transaction activity and much more. Open this account for only $100.

  • Monitor activity on your account(s) daily
  • View account history up to 90 days
  • Initiate account-to-account transfers
  • Make loan payments
  • Place stop payments
  • Download transaction detail in various formats for easy reconcilement.

View the Deposit Account Agreement (PDF).

Regular Business Checking

This account allows business customers to earn a competitive earnings credit rate to help offset service fees based on your average collected balance. There are no transaction limits on this account. Contact us to learn more about account service fees. Open this account for only $100.

View the Deposit Account Agreement (PDF).

Business Green Checking

This account offers everything you need for FREE.

Make the most of your business and save green by going green! Enjoy more convenient banking while helping the environment. Business Green Checking is an all-electronic account designed for companies with low activity.

Features include:

  • No monthly maintenance fee
  • No minimum balance
  • Free Business Debit MasterCard®
  • Free Basic Plus Online Cash Management
  • Free e-Statements
  • Free online check images
  • Free 24 hour Telephone Banking
  • 50 Free items per month*
  • Unlimited Debit Card POS purchases*

You must deposit $100 to open this account. This account is all electronic and requires an active email account and enrollment in NetTeller online banking. View the Deposit Account Agreement (PDF).

*Includes deposits, deposited items and debits. Debit Card POS (point of sale) purchases are unlimited and do not count against the 50 free items per month. Paper statements are available for a $5 monthly fee. A charge of $25 will be assessed on the account if closed within 180 days from the date of opening.

Not-for-Profit Checking

Blue Ridge Bank offers a business checking account designed for our Not-for-Profit customers.

Features include:

  • No monthly maintenance fee that allows for 50 debits, 50 credits, 75 deposited items
  • Low opening balance - $100
  • Limited check writing
  • Image copies of checks
  • Debit Business Card

As an added feature, you will receive Basic Plus Online Cash Management for FREE - a $15 per month value!

With Basic Plus Service you can:

  • Monitor activity on your account(s) daily
  • View account history up to 90 days
  • Initiate account-to-account transfers
  • Make loan payments
  • Place stop payments
  • Download transaction detail in various formats for easy reconcilement.

At least one signer must have a personal bank account relationship to be eligible for this account.  If there is no personal relationship, the customer may open a small business checking account.  There is a $0.25 per item fee over allotted transaction limit.  See full pricing schedule for additional fees.

View the Deposit Account Agreement (PDF).

Business Money Market

Business Money Market

Enjoy high money market rates without giving up convenient access to your funds.

  • $1,000 minimum opening balance
  • Interest accrues daily; compounded monthly
  • Limited check writing
  • Monthly statements
  • Image copies of checks

 

The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart. View the Deposit Account Agreement (PDF).

Business Maximum Yield Money Market

Take your Business Money Market Account to the next level.

A Maximum Yield Money Market account can earn you more for your money.

  • $15,000 to open
  • $15,000 minimum to earn interest
  • Image check copies
  • Tiered interest rate
  • Monthly statements

The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart. View the Deposit Account Agreement (PDF).

 

 

Certificates of Deposit (CDs) & Individual Retirement Accounts (IRAs)

For our CD and IRA terms and rates, please see the Rate Chart.