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Debit and Credit Cards

Debit Card

FREE Debit MasterCard®!

Use your Debit MasterCard® for purchases or to get cash. It's easy and better than checks. To make purchases, simply swipe your card and the money will be automatically deducted from your checking account. 

Apply today for a FREE Debit MasterCard® or call our Customer Service Center at (816) 358-5000.

Debit MasterCard®

 

  • Accepted everywhere MasterCard is accepted
  • FREE and unlimited Blue Ridge Bank ATM withdrawals
  • Access to over 20,000 MoneyPass® ATMs nationwide, surcharge free*
  • It's better than checks, better than cash, and an easier way to pay

Click here to learn more about Chip Card Technology


Note: Due to increased debit card fraud, there may be travel restrictions in some states you are visiting or traveling through that could impact the use of your Blue Ridge Bank Debit MasterCard®. Please call us at (816) 358-5000 (during business hours) before traveling to ensure your card is not blocked. For international travel, please allow 24-hour notice.

  • Domestic Travelers - If you are traveling inside the United States and experience problems with your debit card, please call 1-866-842-5208.
  • International Travelers - If you are traveling outside the United States and experience problems with your debit card, please call Toll Free 1-412-552-2697.

*Please go to www.moneypass.com for a complete list of participating institutions and locations. A surcharge is a fee that an ATM owner may charge cardholders at the time of the transaction and is typically around $2.00 a transaction. There is a $2.00 charge for each ATM withdrawal, transfer or inquiry at machines not owned by Blue Ridge Bank and Trust Co. Click here for a complete listing of ATM locations.

 


Credit Cards

Choosing the right credit card is easier than ever.

No matter which card you choose, you'll enjoy important features like:

  • EMV smart chip technology for added security
  • Mobile purchasing capability for added convenience
  • Plus much more!
  • Already have a Blue Ridge Bank credit card? Click here to make a payment.

Let's get started . . . 
 

Save with a longer intro rate.

Visa Platinum® Card
Save on interest with an extended introductory rate and pay down other credit card balances faster. More

 

APPLY NOW

 

Earn valuable rewards.

Pick the best rewards card for you!

Visa® Bonus Rewards Card
Watch your rewards add up fast with 1 point for every $1 you spend on eligible net purchases, and receive automatic bonus points each month. Plus get $25 cash back1 after your first purchase - all with a low annual fee. More
APPLY NOW
Visa® Bonus Rewards PLUS Card
Watch your rewards add up even faster with 1 point for every $1 you spend on eligible net purchases, and receive even more automatic bonus points each month. Plus get $50 cash back1 after your first purchase - all with a low annual fee. More
APPLY NOW
Cash Rewards American Express® Card
Earn cash back1 every time you use your card: 3% on gas, 2% at supermarkets, and 1% on all other eligible net purchases, plus $25 cash back1 after your first purchase. More
APPLY NOW

Travel Rewards American Express® Card
Earn great rewards faster with 3X reward earnings on airline net purchases and 2X reward earnings on restaurant and hotel net purchases and 1X reward earnings on all other eligible net purchases, plus get $75 cash back1 after your first purchase - all with a low annual fee. More

APPLY NOW


Build your credit.2

Visa® Secured Card
Start building (or rebuilding) your credit history, even if you've been turned down for other credit cards, with flexible credit lines based on a security deposit and a low annual fee. More
APPLY NOW

 

1 - Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances.

2 - Late payments and going over the credit limit may damage your credit history.

The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Incorporated, and American Express. MasterCard is a registered trademark of MasterCard International Incorporated. American Express is a federally registered sevice mark of American Express.

VISA® Gift Cards

Where can gift cards be used?
VISA® gift cards can be used anywhere VISA® debit cards are accepted. It can be used at thousands of retailers, restaurants, entertainment locations, and online.

Who can buy gift cards?
Gift cards are sold exclusively to Blue Ridge Bank customers.

Are gift cards the same as credit cards?
No. Gift cards are prepaid VISA® cards that carry a fixed cash amount determined by the gift card purchaser. Each time you use the card, the purchase amount is deducted from the available balance.

Can gift cards be reloaded?
Individual cards cannot be reloaded, but you always have the option to purchase additional cards.

Is there a minimum/maximum amount? Is there a fee at the time of purchase?
The minimum amount to load on a gift card is $25 and the maximum is $1000. There is a low $3 fee per card at the time of purchase.

Can a merchant give cash back on a gift card?
No. Merchants can deduct purchases from gift card accounts, but they cannot offer cash back as part of the gift card service.

Do gift cards have expiration dates?
Yes. Gift cards expire when the remaining balance reaches $0 or on the expiration date shown on the front of the card, whichever comes first. Once the card expires, any remaining funds will no longer be available. A $5.00 inactivity fee is deducted from the card balance on the first day of each month after 12 full months of inactivity.

Other questions?
Please contact our Customer Service Center at (816) 795-9933 or visit any branch location.

Safe Deposit Boxes

Protect and secure your valuables with a safe deposit box at Blue Ridge Bank. We offer competitive fees and discounts with automatic debit. Open a GenGold Checking account and receive $10 off any size safe deposit box with automatic debit.*

Box Size* Standard Fee Discounted Fee with Auto Pay
3 x 5 $30 $25
5 x 5 $40 $35
3 x 10 $50 $45
5 x 10 $70 $65
8 x 10 $80 $75
10 x 10 $90 $85

$10 Key Deposit
$125 Non-Emergency Drill
$150 Emergency Drill       

*Not all sizes are available at all locations. Please call a branch near you for more information.

Foreign Currency

Planning a vacation or business trip? Blue Ridge Bank offers Foreign Currency Exchange services to our customers**. We make it convenient and easy to have your currency needs managed in advance. While currency exchange is available in airports, lines can be long and rates can be high. This service is for Blue Ridge Bank customers only. You must have a checking or savings account to debit for the cost of the currency plus any fee.

How to order:

Foreign currency can be ordered at any of our branch locations. You can order most common international paper currencies or international travelers' check. No coin orders will be taken. After signing the order form and giving approval, your account will be debited for the transaction. Orders are completed at our Little Blue Parkway location.

Where will the currency be shipped:

The foreign currency package will be shipped Next Day delivery directly to the branch where you placed the order and will not be opened until you are present. The cost per order is $10 plus applicable shipping charges.

Sales return:

In the event you would like to return unused paper currency, you must bring the currency in person to the Foreign Currency Desk at Little Blue Parkway. After the "Buy" transaction is completed, your account will be credited. Blue Ridge Bank charges a $20 per order Shipping and Handling fee on buy backs.

For more information and a list of currencies available for purchase at Blue Ridge Bank and Trust Co., please call our Customer Service Center at (816) 795-9933 or stop by one of our branch locations.

**Blue Ridge Bank and Trust Co. partners with First National Bank and Travelex to offer foreign currency to our customers.

Switch Kit

Click here to get started switching your accounts to Blue Ridge Bank and Trust Co.

Reorder Checks