Debit and Credit Cards
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.
- 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
- Simplify your shopping! Add your Debit MasterCard to Apple Pay, Samsung Pay, or Google Pay. Upload your card details into one of the digital wallets and pay for purchases at most merchants simply by hovering your phone over the terminal. Click here to learn more.
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.
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!
Pay Down Balances.
Visa® Platinum Card
Flexible Cash Rewards.
|Cash Rewards American Express® Card
Earn cash back1 every time you use your card: 3% on the first $6,000 in eligible net purchases made each year at gas stations,2,4 2% on eligible supermarket net purchases, and 1% on all other eligible net purchases, plus $25 cash back after your first purchase.3 Learn More
Rewards To Use The Way You Want.4
|Visa® Real Rewards Card
Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back).5 Plus, earn 2,500 bonus rewards points after your first purchase.3 There is no limit on the total cash back you can earn, and you have five years to redeem for rewards. Learn More
|Premier Rewards American Express® Card
Earn up to 4 points for every $1 spent on eligible net restaurant purchases,6 3 points for every $1 spent on eligible net airline purchases, 2 points for every $1 spent on eligible net gas purchases and 1 point for every $1 spent on all other eligible net purchases. Plus, earn 10,000 one-time bonus rewards after you spend $1,000 in the first 3 months.3 There's no cap or limit on the number of points you can earn, and you have five years to redeem for rewards.4 Also, receive reimbursement for either Global Entry or TSA Pre✓®.7 Learn More
Build Your Credit.
|Visa Signature® College Real Rewards Card
Earn 1.5 points monthly for every dollar you spend on eligible net purchases.5 There's no cap or limit on the points you can earn, plus you have five years to redeem points for rewards.4 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings. Learn More
|Visa® Secured Card
Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card. If you need to improve or re-establish your credit history8, here's a great way to begin that process. Enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account. Learn More
1 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.
2 Cash Rewards Card: "Cash Back Rewards" are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see "Cash Back" in marketing material when referring to the rewards you earn. You will earn 1 Reward Point ("Point") for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned as supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases about $6,000 (for the remainder of that 12-month period) will earn a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.
3 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.
4 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future tranactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).
5 Real Rewards: You will earn 1.5 Reward Points ("Points") for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.
6 Premier Rewards Card Points: You will earn 1 Reward Point ("Point") for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.
7 Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval.
8 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., and American Express. American Express is a federally registered service 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.
Please contact our Customer Service Center at (816) 358-5000 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.
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.
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) 358-5000 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.