Banking the Way it Ought to Be

Since 1957


Life Happens! We understand unexpected overdrafts occur from time to time - Overdraft coverage can help.


What is overdraft coverage?

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. 

Overdraft Coverage Options
The choice is yours. Consider these ways to cover overdrafts:

1. Overdraft Privilege -

This allows you to overdraw your account up to the disclosed limit for a fee to pay a transaction.
Blue Ridge Bank may provide you a specific Overdraft Privilege limit depending on the type of account you have. New consumer and business checking accounts will receive a $100 Introductory Overdraft Privilege limit at account opening that will be increased to up to $700 after 30 days in good standing for consumer accounts or up to $800 after 60 days in good standing for business accounts.
Please be aware that the Overdraft Privilege amount is not included in your available balance displayed through internet banking, mobile banking, or Blue Ridge Bank ATMs.
When Overdraft Privilege is used, the Overdraft Fee of $30 will be imposed for overdrafts created by checks, ACH, in-person withdrawals, or by other electronic means if your account is overdrawn more than $5. If your consumer account is overdrawn by $5 or less, there is no fee. If multiple items overdraw your account on the same day, each item will be assessed the appropriate fee. This is a lower fee than Blue Ridge Bank charges for items returned to the payee due to insufficient funds.
What if I don't want Overdraft Privilege? 
You can request to discontinue Overdraft Privilege service in its entirety at any time by contacting us at 864-638-5444 or sending us an email at Without Overdraft Privilege, your insufficient funds items will be returned to the payee and/or declined at the point of purchase. You will be charged the standard Return Fee of $35 for all returned items.
What if I want Blue Ridge Bank to pay my ATM and everyday debit card overdrafts (Extended Coverage)?
If you want us to authorize and pay overdrafts caused by ATM and everyday debit card transactions (Extended Coverage), please review our Reg E Opt into ATM/POS Debits . Once reviewed, please complete the secure form on this page. 
You can also print and sign the Reg In Opt into ATM/POS Debits and email to or stop by any of our locations.
NOTE: Business accounts automatically have access to Overdraft Privilege for ATM and everyday debit card transactions (Extended Coverage).

2. Overdraft Protection Link to Another Account -

Overdraft Protection applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account. The cost is $0 per transfer.




Opt in for POS/ATM Transactions Form

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