Overdraft Privilege

With our busy lives, it’s easy to make mistakes such as forgetting to deposit a check, make a transfer, or deduct your last debit charge from your balance. A simple error or balance miscalculation can lead to an unexpected shortage of funds.

Blue Ridge Bank may have the solution you’re looking for with our Overdraft Privilege program.  Overdraft Privilege is not a line of credit.  However, if you inadvertently overdraw your account, we will have the discretion to pay the overdraft, subject to your Overdraft Privilege. Please click “HERE” for the Discretionary Overdraft Privilege Disclosure.

Blue Ridge Bank will not pay overdrafts for ATM or everyday debit card transactions unless you have given your consent by opting in to the payment of these overdrafts. Please click “HERE” for more information about opting into extend your Overdraft Privilege coverage.

Blue Ridge Bank is a member of the FDIC, which insures deposits up to $250,000 under the FDIC's general deposit insurance rules.