Personal Checking
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Checking Comparison Chart
* Your cell phone or mobile device must be equipped to access the internet. You may be charged access rates depending on your carrier. Check with your service provider for details on specific fees and charges. All terms and conditions applicable to online banking may apply to mobile banking.
** 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.
*** For current rates and listing of any miscellaneous fees or charges that may apply, visit one of our locations, call our Customer Service Center at 816-358-5000 or see our Fee Schedule.
**** Rate may change weekly, interest is credited to the account monthly. The daily collected balance method is used to calculate interest. This method applies a daily periodic rate to the principal in the account each day.
(1) Refunds up to $25 for Nationwide ATM fees include up to $10 of Blue Ridge Bank foreign ATM charges and up to $15 of foreign ATM owner charges. MY Checking qualifications must be met to receive the ATM refunds.
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
- Free Debit MasterCard® with digital wallet access
- 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) 358-5000. Questions for GenGold® directly? Visit their website, http://www.gengold.com/ or call 1-800-428-6686.
*Fees on some GenGold® benefits may apply.
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® with digital wallet access
- Unlimited withdrawals at MoneyPass® network ATMs per statement cycle - over 20,000 ATMs nationwide
- Nationwide ATM fee refunds up to $25 per statement cycle when MY Checking qualifications are met.**
- No monthly service charge
Requirements
Simply meet these requirements each monthly qualification cycle to earn premium interest:
- Must be registered to receive electronic statements
- Must have 12 or more debit or credit MasterCard® point-of-sale purchases
- Must have one ACH direct deposit or payment set up
Also available: Maximum Yield (MY) Savings
*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.
**Refunds up to $25 for Nationwide ATM fees include up to $10 of Blue Ridge Bank Foreign ATM charges and up to $15 of Foreign ATM Owner charges. MY Checking qualifications must be met to receive the ATM refunds.
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
- Free Debit MasterCard® with digital wallet access
- e-Statements available
- No monthly service charge
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
- 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® with digital wallet access. (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
*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.