Maximum Yield (MY) Checking

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.


  • 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®
  • Unlimited withdrawals at MoneyPass® network ATMs per statement cycle - over 20,000 ATMs nationwide
  • No monthly service charge


  • Electronic statements*
  • 12 or more debit or credit MasterCard® point-of-sale purchases per statement cycle*
  • 1 ACH direct deposit or payment per statement cycle*

*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. Interest Rates and Annual Percentage Yields are current as of March 7, 2014. 


Rate Information: This account is an interest bearing account. The interest rate and annual percentage yield will depend upon the balance in the account as shown on the Rate Chart. The interest rate and annual percentage may change. At our discretion, we may change the interest rate on the account weekly. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited you will not receive the accrued interest.  

Limitations: You must deposit $100 to open this account. This account is all electronic and requires an active e-mail account and enrollment in NetTeller online banking. It also requires a Blue Ridge Bank Debit MasterCard®. To meet requirements an account holder must receive electronic statements, complete 12 or more debit or credit MasterCard® point-of-sale purchases, and receive 1 ACH direct deposit or payment per statement cycle. View the Deposit Account Agreement.

Account Fees: No minimum balance requirements, no monthly service charge. A charge of $25 will be assessed on the account if closed within 180 days from the date of opening.  Fees could reduce earnings in the account.

Bounce Protection: Bounce Protection Privilege of $400.  Click Bounce Protection Customer Overdraft Policy dated 9.8.11 to view the customer overdraft policy.


Start earning today!