Ensure your money is working for you at all hours — while accessing the funds you need, when you need them.
Multiple deposit accounts? Keep things centralized and simplified with a ZBA account.
- Perfect for companies with multiple divisions, stores, or operating units
- More than one ZBA can be linked to the primary account
- Multiple account balances are concentrated into one, centralized account
- Funds are disbursed to individual ZBA accounts only when necessary to cover checks or debits
- Concentrate funds, eliminating idle balances and simplifying account management
- Maintain required balances for disbursements while maximizing excess balances
- Transactions flow through separate accounts for audit purposes while balances are consolidated for funding
- Eliminate the need for manual transfers between bank accounts
- Separate statements for each account
We've all heard the phrase, "work smarter, not harder." Sweep Services does this for your business automatically. Every night, excess funds are swept back into an overnight investment account. There, your funds are maximized via competitive interest.
And should it be necessary, money is automatically swept back over to cover account activity. Sweep Services always work in your favor without actually requiring any work on your part.
- Linked to your Blue Ridge Bank checking account(s)
- Predetermine amount that remains in account to cover expenses
- Excess funds swept to a money market account, where they earn interest
- Funds are swept back into checking at any time to cover additional account activity
- Keep idle funds working hard in your favor
- Maximize interest bearing balances
- Very little effort required
- Maintain target balances across the board
Smooth operations require monetary flexibility. An operating line of credit can offer that flexibility in the form of an anytime source of funds. Once established, your line of credit can easily be withdrawn at any time.
Access even more funds in the future by paying down your balance. Count on flexibility in repayment, too — we’ll work closely with you to customize repayment in line with your operation.
- Competitive rates for several ongoing business expenses:
- Capitalize on trade discounts
- Finance accounts receivable or inventory
- And more
- Funds available at any time without applying for a separate installation
- Simply initiate a telephone or online transfer
- Accommodating repayment terms, customized to your business's unique situation
- Revolving credit – as the principal is repaid, more funds become available to re-borrow
- Only pay interest on the part that's used
- Local, Blue Ridge decision-making and processing
- Thorough, attentive service every step of the process
Meet your BRB treasury team.
Bettie Dunnavant
VP, Treasury Management Officer
Central Virginia and Valley Region
[email protected]
540-967-8903
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificate of Deposit Specials
| Term | Interest Rate | APY | Minimum Balance |
|---|---|---|---|
| 5 Months | 4.44% | 4.50% | $1,000 |
| 10 Months | 4.13% | 4.20% | $1,000 |
Annual Percentage Yield (APY) accurate and effective as of 9/30/2024. This is a limited time offer and may be withdrawn at any time. Minimum balance to open and to obtain APY is $1,000. Certain restrictions and conditions may apply. Fees may reduce earnings. Early withdrawal fee may apply. All figures in examples are for product explanation and are based on a 5-month and 10-month term. Ask us for complete details.
Certificates of Deposit
| Term | Rate | APY | Minimum Balance |
|---|---|---|---|
| 3 - 5 Months | 1.00% | 1.00% | $1,000 |
| 6 Month | 1.05% | 1.05% | $1,000 |
| 7 - 11 Months | 1.10% | 1.10% | $1,000 |
| 12 - 17 Months | 1.24% | 1.25% | $1,000 |
| 18 - 23 Months | 1.29% | 1.30% | $1,000 |
| 24 - 35 Months | 1.34% | 1.35% | $1,000 |
| 36 - 47 Months | 1.39% | 1.40% | $1,000 |
| 48 - 59 Months | 1.44% | 1.45% | $1,000 |
| 60 Months and Longer | 1.49% | 1.50% | $1,000 |
The Minimum Opening Deposit and Minimum Balance Requirement is $1,000 for Terms 60 Months or less and $25,000 for Terms 72 Months or greater.
Please see our Disclosure information
Checking and Savings Accounts
| Product | Interest Rate | APY | Balance |
|---|---|---|---|
| Charitable Account | 0.10% | 0.10% | |
| Health Savings Account | 0.15% | 0.15% | |
| Jackpot Savings | 0.10% | 0.10% | |
| Savings Accounts | 0.10% | 0.10% | |
| Golden Advantage Plus | 0.025% | 0.03% | $0.00-$2,499.99 |
| Golden Advantage Plus | 0.05% | 0.05% | $2,500.00-$49,999.99 |
| Golden Advantage Plus | 0.075% | 0.076% | $50,000.00 and Greater |
| Youth Savings Account | 0.10% | 0.10% |
Please see our Disclosure information
Golden Advantage Certificate of Deposits and Specials
| Term | Interest Rate | APY | Minimum Balance |
| 12 months | 4.23% | 4.30% | $1,000 |
| 30 months | 1.34% | 1.35% | $1,000 |
| 36 months | 1.39% | 1.40% | $1,000 |
| 60 months | 1.49% | 1.50% | $1,000 |
**Annual Percentage Yield (APY) accurate and effective as of 9/30/2024. This is a limited time offer and may be withdrawn at any time. Minimum balance to open and to obtain APY is $1,000. Certain restrictions and conditions may apply. Fees may reduce earnings. Early withdrawal fee may apply. All figures in examples are for product explanation and are based on a 12-month, 30-month, and 60-month term. Ask us for complete details.
Jumbo Certificates of Deposit
| Term | Rate | APY | Minimum Balance |
|---|---|---|---|
| 1 - 2 Months | 1.00% | 1.00% | $100,000 |
| 3 - 5 Months | 1.09% | 1.10% | $100,000 |
| 6 Months | 1.15% | 1.15% | $100,000 |
| 7 - 11 Months | 1.19% | 1.20% | $100,000 |
| 12 Months and Longer | 1.34% | 1.35% | $100,000 |
The Minimum Opening Deposit and Minimum Balance Requirement is $1,000 for Terms 60 Months or less and $25,000 for Terms 72 Months or greater.
Please see our Disclosure information
Kasasa Cash*
| Balance | Minimum Deposit to Open | Interest Rate | APY |
|---|---|---|---|
| $100 - $15,000 | $100 | 4.89% | 5.00% |
| $15,000+ | NA | 0.05% | 0.05% |
| All balances if qualifications not met | NA | 0.01% | 0.01% |
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- Have at least 10 debit card purchases post and settle
- Be enrolled and receive eStatement notice
- Have at least 1 direct deposit or 1 ACH auto debit post and settle
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month.
Kasasa Saver*
| Balance | Minimum Deposit to Open | Interest Rate | APY |
|---|---|---|---|
| $0 - $100,000 | $0 | 2.96% | 3.00% |
| $100,000+ | $0 | 0.05% | 0.05% |
| All balances if qualifications not met | $0 | 0.01% | 0.01% |
Qualifications
Qualifying for your Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- Have at least 10 debit card purchases post and settle
- Be enrolled and receive eStatement notice
- Have at least 1 direct deposit or 1 ACH auto debit post and settle
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month.
Money Market
| Balance | Rate | APY |
|---|---|---|
| $0.00 - $24,999.99 | 0.25% | 0.25% |
| $25,000.00 - $49,999.99 | 0.35% | 0.35% |
| $50,000.00 - $249,999.99 | 0.50% | 0.50% |
| $250,000.00 and Greater | 0.65% | 0.65% |
Municipal Money Market
| Balance | Rate | APY |
|---|---|---|
| $1,000.00 and Greater | 0.15% | 0.15% |
Signature Money Market*
| Balance | Rate | APY |
|---|---|---|
| $0.00 - $24,999.99 | 0.00% | 0.00% |
| $25,000.00 - $49,999.99 | 0.00% | 0.00% |
| $50,000.00 - $249,999.99 | 3.88% | 3.95% |
| $250,000.00 and Greater | 3.88% | 3.95% |
*Annual Percentage Yield (APY) accurate and effective as of 9/30/24. The minimum balance to obtain interest on the Signature Money Market is $50,000. An $11 service fee applies if the account balance falls below the minimum balance. This offer is for new money not currently on deposit with Blue Ridge Bank.