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GenGold®

GenGold®: Live better for less. Click to visit GenGold®

Try GenGold® FREE for 90 Days!

We believe one partnership can make a difference! That's why we've teamed up with GenGold® to bring you even more ways for you and your family to save.

Ask a Blue Ridge Bank representative how to take advantage of this special offer so you can experience all of the great benefits GenGold® has to offer FREE for 90 days!

With GenGold's® exclusive suite of rewards, you have access to the following benefits:

  • eCertificates - Need a last minute gift? E-gift certificates will be sent to your email making this gift hassle free and fast! Choose from a variety of retailers
  • Complimentary Identity Theft Protection & Security Center - Set fraud alerts, reduce junk mail, order free credit reports, and more
  • Grocery Coupon Club Membership - Complimentary membership can save up to $1,000 annually on groceries
  • Dining Dough - Save up to 76% on dining certificates to thousands of participating restaurants
  • Travel Services - Discounts and rebates on air travel, car rentals, hotel stays, cruises, and condo vacations
  • Health Services - Prescription discounts, and savings on dental and vision care
  • Many other benefits, including Roadside Assistance and Pet Health Services

Blue Ridge Bank also has account features and benefits exclusive to the GenGold® checking account:

  • $100 to open
  • No minimum balance
  • Unlimited check writing
  • Itemized monthly statements
  • Image copies of checks
  • $10 off any size safe deposit box with auto pay
  • One free box of bank stock checks per year
  • Free cashier's checks and money orders
  • Free online banking and online bill pay
  • Free mobile phone banking
  • Enroll now and enjoy 90 days FREE! Pay only $5 per month after the trial period*

To find out more about GenGold®, please stop by any branch location to speak with a representative, or call our Customer Service Center at (816) 795-9933.

Questions for GenGold® directly? Visit their website, http://www.gengold.com/ or call 1-800-428-6686.


*Fees on some GenGold® benefits may apply. 

Maximum Yield (MY) Checking

Open a Blue Ridge Bank MY Checking account and earn interest the easy way.  With the MY Checking account, you earn premium interest on your balance by meeting a few simple requirements.

Features

  • Interest paid on all balances*
  • $100 to open
  • No minimum balance
  • Free online banking
  • Free online bill pay
  • Free mobile phone banking
  • Free Debit MasterCard®
  • Unlimited withdrawals at MoneyPass® network ATMs per statement cycle - over 20,000 ATMs nationwide
  • No monthly service charge

Requirements

  • Electronic statements*
  • 12 or more debit or credit MasterCard® point-of-sale purchases per statement cycle*
  • 1 ACH direct deposit or payment per statement cycle* 


*Premium interest on balances up to $25,000 when monthly requirements are met. Tiered interest on account balances over $25,000 or if requirements are not met.The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart

Free Checking

Blue Ridge Bank's Free Checking has everything you need! Open a Free Checking account today!

  • $100 to open
  • No minimum balance
  • Unlimited check writing
  • Itemized monthly statements
  • Free Online Banking
  • Free Online Bill Pay
  • Free Mobile Phone Banking
  • e-Statements available

 

 

Green Checking

Go Green!  Blue Ridge Bank Green Checking account gives you a number of ways to make your account better for the environment.  With electronic statements you are reducing the amount of paper needed to print and mail your statement. Free online banking, bill pay and access to the MoneyPass® ATM network saves you time and money by avoiding trips to the bank - saving on gas.  Our Green checking account reduces waste and gives you great options.

  • $100 to open
  • No minimum balance
  • e-Statements
  • Checks available
  • Free online banking
  • Free online bill payment
  • Free mobile phone banking
  • Free Debit MasterCard®
  • Free access to MoneyPass® ATM network with nearly 20,000 ATMs nationwide
  • Direct Deposit


This account is all electronic and requires an active e-mail account and enrollment in NetTeller online banking.  It also requires a Blue Ridge Bank Debit MasterCard®. To meet requirements an account holder must receive electronic statements and complete 8 or more debit or credit MasterCard®  point-of-sale purchases. There is a $5 service charge if requirements are not met. 

Elite Plus

With this interest-bearing checking account, you'll make money on your money. Plus, you'll enjoy a host of great benefits designed to help you save money. Exclusively for individuals 55 and older. You will have access to exciting benefits and services from Blue Ridge Bank and Trust Co. including:

  • $1,000 to open
  • Maintain $1,000 balance to earn interest*
  • Itemized monthly statements with check images
  • Image copies of checks
  • Two free boxes of bank stock checks or a discount on premium style checks
  • $5.00 discount on your safe deposit box with auto pay
  • Five free cashier's checks or money orders per month
  • Free movie (summer months - June, July, August)
  • Annual customer appreciation event
  • Other occasional events
  • Organized group travel - day and overnight
  • Quarterly newsletter
  • Complimentary Financial Review
  • Free online banking, online bill pay and mobile phone banking 
  • $10 monthly fee if balance falls below $1,000

 


*The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart

Student Checking

Ideal for ages 15 and over, Student Checking gives you the tools you need to track your finances, pay bills, send money, deposit checks, and get cash from a nearby ATM.1 Best of all, there is no monthly service charge!

Details:

  • Only $50 to open
  • No monthly Service charge
  • No minimum balance
  • Overdraft Protection available*

Perks:

  • Free Mobile Banking - Download the Blue Ridge Bank Bank App for iPhone and Android to access your account, transfer funds, and pay bills
  • Free Mobile Deposit - Making a deposit into your Blue Ridge Bank checking or savings account is as easy as snapping a picture on your mobile device
  • Free Text Banking - Sign up through the free Mobile App to access balance and history, make transfers, and set alerts
  • Free Online Banking - Check your account, anytime, anywhere
  • Free Debit MasterCard® (ages 17 and younger requires parent/guardian approval)
  • Free ATM withdrawals at over 20,000 MoneyPass® network ATMs - For ATM locations, download the free App or visit MoneyPass.com

 

Also available:

  • Student Savings
  • Visa® College Rewards Credit Card (for students 18 years or older)


*Overdraft Protection automatically transfers funds in $100 increments from another checking or savings account held by you. There is a $10 transfer fee each day a transfer is made. On Savings and Money Market accounts, there is a limit of six (6) withdrawals per calendar month or statement cycle. 
1All account holders 17 and younger will be required to have a parent or legal guardian on the account. The parent or legal guardian must sign a minor deposit guaranty form. 

 

 

Personal Savings

Savings Comparison Chart

Regular Savings

Start with a firm foundation. A regular savings account allows you to build your savings with a low minimum balance. For as little as $100 you can begin earning interest in the future.

  • $100 to open
  • Quarterly Statements, Monthly with Electronic Transactions
  • ATM Card
  • Free Online Banking


The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart. $1 excess item fee for each withdrawal in excess of three (3) per monthly statement cycle. $3 monthly low balance fee if balances falls below $100.

 

 

My First Million

Good money habits start early. Teach your child the skills he'll need to succeed with his own Blue Ridge Bank & Trust Co. savings account, exclusively for kids up to 12 years old. Plus, our friendly mascot, "Otter B. Saving", makes saving fun! To get your child started on his own first million, simply call (816) 358-5000 or stop by your nearest branch office and ask one of our friendly financial service representatives how to enroll.

  • Age 12 or younger
  • $5 minimum to open
  • Paid interest
  • My First Million passbook and goodie bag
  • Savings incentives
  • CDs available
  • Events calendar
  • Newsletter


The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart

 

Student Savings

You have a lot of reasons to save from your first car to college. Ideal for ages 13 and over, Blue Ridge Bank Student Savings establishes good money habits that last a lifetime.1

Details:

  • Only $50 to open
  • No minimum balance
  • Interest paid quarterly
  • Allowed (6)  transfers per monthly statement cycle2

Perks:

  • Free Mobile Banking - Download the Blue Ridge Bank App for iPhone and Android to access your account, transfer funds, and pay bills
  • Free Mobile Deposit - Making a deposit into your Blue Ridge Bank checking or savings account is as easy as snapping a picture on your mobile device
  • Free Text Banking - Sign up through the free Mobile App to access balance and history, make transfers, and set alerts.
  • Free Online Banking - Check your account, anytime, anywhere

Also Available:

  • Student Checking
  • Visa® College Rewards Credit Card (for students 18 years or older)

 


The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart

1 All account holders 17 years and younger will be required to have a parent or legal guardian on the account. The parent or legal guardian must sign a minor deposit guaranty form.

2 To avoid fees, withdrawals are limited to 3 per month. $1 fee for each withdrawal in excess of 3 per month.

 

 

Regular Money Market

Earn more with a Regular Money Market account. It's like a savings account with check writing privileges.

  • $1,000 to open
  • $1,000 minimum to earn interest
  • ATM card
  • Free online banking
  • Free e-Statements
  • Tiered interest rate


The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart. $10 per transaction fee in excess of six (6) per monthly statement cycle. $10 monthly fee if balance falls below $1,000.

 

 

Maximum Yield Money Market

Looking for higher earnings on your investments? Consider the Maximum Yield Money Market account.

  • $15,000 to open
  • $15,000 minimum to earn interest
  • ATM card
  • Free online banking
  • Free e-Statements
  • Tiered interest rate


The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart. $15 per transaction fee in excess of six (6) per monthly statement cycle. $15 monthly fee if balance falls below $15,000.

 

 

 

Certificates of Deposit (CDs)

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

 

Individual Retirement Accounts (IRAs)

Traditional IRAs

The Retirement Plan for Everyone

One of the greatest challenges facing American workers is ensuring their financial security in retirement. An IRA is one of the most viable tools to ensure a secure retirement. The Traditional IRAs offer:

  • Independence (they can be opened and funded without any employer participation),
  • Immediate tax benefits, with contributions and earnings tax-deferred until retirement*
  • Accessibility, with assets always available
  • Flexibility, because IRA owners choose their contribution amount (within limits), investments, and the financial organization.

The requirements for contribution to a Traditional IRA are few. You can contribute if:

  • You are under age 70 1/2, and
  • You or your spouse has earned income from employment.

Each year you can contribute up to:

  • A maximum of $5,500 for 2016, and a
  • Catch-up contribution of $1,000 if you are age 50 or older.

Blue Ridge Bank offers Traditional IRAs in a variety of terms and rates. View the Rate Sheet. For more information about IRAs, please call our Customer Service Center at (816) 795-9933.

*Please consult your tax advisor.

Roth IRAs

A Tax-Free Source of Retirement Income

Americans are looking for new ways to secure their financial future. The Roth IRA gives you the options to invest after-tax dollars today, let the investment grow tax deferred, and take qualifying withdrawals tax free.

What makes the Roth IRA unique?

Unlike any other type of IRAs, the Roth IRA can provide you with tax-free income during your retirement.  Your money going into the Roth IRA is taxed; your money later withdrawn, which may potentially include significant amounts of earnings, is tax-free if your follow certain requirements.

Two factors make this possible:

  • First, the money you contribute to a Roth IRA has already been taxed.  Therefore, the principal amount is never subject to taxes or penalties in the future, as long as you stay within the contribution guidelines.
  • Second, this retirement savings vehicle allows the money you contribute to grow tax-deferred.  If you do not withdraw any of the earnings until you have had a Roth IRA for at least five years, and you satisfy one of four qualifying events, those tax-deferred earnings become tax-free.  (Consult your tax advisor for eligibility.)

What are the qualifying conditions and events?

If you satisfy two conditions, you may take tax-free and penalty-free withdrawals from your Roth IRA. First, a Roth IRA must have been open for a minimum of five years. Second, the withdrawal must be made after one of the following events occurs:

  • Attaining age 59 1/2
  • Incurring a disability
  • Incurring first-time homebuyer expenses
  • Death

Distributions that meet the above requirements are referred to as "qualified" distributions. While you may take distributions from your Roth IRA at any time, distributions that are not qualified are subject to taxes (and in some cases early distribution penalties) to the extent they exceed your aggregate contributions to Roth IRAs.

Who is Eligible?

There is no 70 1/2 age limit on making contributions. However, there is income restrictions and limitations.

What is the maximum contribution amount?

If you are eligible, the maximum amount to contribute per year is $5,500 for 2016. In addition, if you reach age 50 or older by the close of the taxable year, you may also make a catch-up contribution up to $1,000.

For more information about the benefits of a Roth IRA, please call our Customer Service Center at (816) 795-9933.