Digital graph showing upward earnings trend.

MY Checking and MY Savings

With the Maximum Yield (MY) Checking and Savings accounts, you are only 12 swipes and a few simple requirements away from earning premium interest!*

MY Checking
Open a  MY Checking account and earn 2.05%* (APY) the easy way!
The MY Checking account is a convenient, interest-bearing, paper-free account with simple requirements and a competitive rate.* 

Features
  • Earn interest on all balances*
  • $100 to open
  • No minimum balance
  • No monthly service fee 
  • Free online and mobile banking
  • Free mobile deposit
  • Free text banking 
  • Free online bill pay
  • Free Debit MasterCard® with digital wallet access now available!
  • Unlimited withdrawals at MoneyPass® network ATMs per statement cycle - over 20,000 ATMs nationwide
  • Nationwide ATM fee refunds up to $25 per statement cycle**

Requirements 
Simply meet these requirements to earn premium interest:
  • Must have 12 or more debit or credit MasterCard® point-of-sale purchases each monthly cycle 
  • Must have one ACH direct deposit or payment set up
  • Must have an active email account
  • Must be registered to receive electronic statements 
  • Must be registered for online banking
  • Must apply for a FREE Blue Ridge Bank debit MasterCard® 
 

*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 (APY) will depend upon the balance in the account as shown on the Rate Chart, and rate may change without notice. 

**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.
MY Savings
Enjoy additional premium interest by opening a MY Savings account! If you meet qualifications to earn premium interest in your MY Checking, you will also earn additional interest in your MY Savings.
 
Features
  • Earn interest on all balances1
  • $25 to open
  • No minimum balance
  • No monthly service fee
  • Free online and mobile banking
  • Free mobile deposit
  • Free text banking

Requirements
To earn additional premium interest in a MY Savings account, simply meet these requirements:
  • Must have a MY Checking account
  • Must meet the monthly requirements for the MY Checking account:
    • Must have 12 or more debit or credit MasterCard® point-of-sale purchases each monthly cycle 
    • Must have one ACH direct deposit or payment set up
    • Must have an active email account
    • Must be registered to receive electronic statements 
    • Must be registered for online banking
    • Must apply for a FREE Blue Ridge Bank debit MasterCard® 

(1)Premium interest on balances up to $25,000 when monthly requirements are met in your MY Checking account. Tiered interest on balances over $25,000 or if requirements are not met in your MY Checking account. You are allowed (6) transfers per monthly statement cycle. $1 excess item fee for each withdrawal in excess of (3) per monthly statement cycle. A charge of $25 will be assessed on the account if closed within 180 days of opening.

The interest rate and annual percentage yield (APY) will depend upon the balance in the account as shown on the Rate Chart, and rate may change without notice.