TREASURY MANAGEMENT
Spend Less Time Chasing Your Cash Flow
Put payables on autopilot, get paid faster, shut the door on fraud, and see exactly where you stand in real time — with BRB's local treasury team a phone call away.
Treasury Management
| DECISION BASICS | |
| Primary Need |
Cash flow & payments
|
| Fraud Controls |
Positive Pay
|
| Payment Rails |
ACH, wire, card
|
| Cash flow tool |
First 2 months free*
|
Built Around Your Day
Reclaim the Hours You Spend Moving Money
Pick the part of your cash flow you want to fix — receivables, payables, digital, or fraud — and see exactly what BRB puts to work for you.
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Receivables
Receivables
- Remote Deposit Capture
- Make deposits from your office 24/7 — skip the trip to the bank.
- ACH Service
- Reduce collection times by automatically collecting payments.
- Merchant Services
- Accept Mastercard, VISA, Discover, and American Express.
- Lockbox
- A secure P.O. box your clients use to send payments and cut down fraud.
Payables
Payables
- Positive Pay
- Review potentially fraudulent checks and decide to pay or return them.
- ACH Services
- Direct deposit payroll, consumer payments, and automated vendor payments.
- Wire Transfers
- Securely initiate domestic and international wires.
Digital Banking
Digital Banking
- Mobile & Online Banking
- Manage your business from anywhere with in-app support messaging.
- Cash Management Platform
- Our upgraded platform brings payments, collections, and reporting into one dashboard — try it free for 2 months*.
Fraud
Fraud
- Check Positive Pay
- Review potentially fraudulent checks before they impact your accounts.
- ACH Positive Pay
- Pre-approve ACH transactions and get notified of unexpected items.
{endNavtabs}
Helpful Answers
Treasury Management FAQ
Get straightforward guidance on how BRB treasury tools fit your business.
{beginAccordion}
WHAT IS TREASURY MANAGEMENT?
Treasury management is a set of banking tools that help your business move money efficiently, get paid faster, protect accounts from fraud, and see your cash position in real time — all from one platform.
IS THERE A COST TO GET STARTED?
New customers on our cash management platform get their first two months on us,* with no commitment to get started. Your local treasury team will walk you through the services that fit your business.
WHO DO I CONTACT FOR HELP?
You'll work directly with BRB's local treasury team — real people who know your name and your business. Reach out any time and we'll connect you with the officer for your region.
HOW DOES POSITIVE PAY PROTECT MY BUSINESS?
Positive Pay lets you review potentially fraudulent checks and ACH transactions before they clear, so you can pay or return items before they impact your accounts.
CAN I ACCEPT CREDIT CARD PAYMENTS?
Yes. Our Merchant Services let you accept Mastercard, VISA, Discover, and American Express, expanding the ways your customers can pay you.
{endAccordion}
Bettie Dunnavant
VP, Treasury Management Officer — Piedmont Region
Charlottesville, Gordonsville, Louisa, Mineral, Orange
Brad Ferguson
VP, Treasury Management Officer — Central Valley, Greater Triad
Harrisonburg, Luray, Martinsville, Greensboro - NC
Christinne Pearson
AVP, Sr. Treasury Management Services Officer — Central VA (Colonial Heights), Hampton Roads
Hampton Roads, Suffolk, Richmond Metro
Dale Schuurman
Market President, Hampton Roads
Hampton Roads, Suffolk
Frank Besosa
SVP, Senior Relationship Manager
Charlottesville, Richmond Metro
HJ
Heather Jones
SVP, Director of Treasury Management
JP
James Phillips
SVP – Managing Director of Wealth, Wealth Advisor
N. Chesterfield, VA
Jeremy Spilman
Market President, Central Valley Region
Harrisonburg, Luray
Judy Fay
VP, Treasury Management Officer — Northern Neck Region
Northern Neck
SD
Stephanie Diffenderfer
AVP, Sr. Treasury Management Services Officer
Central VA, Richmond
People Who Know Your Name
Meet Your BRB Treasury Team
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{{ christinne-pearson-team }}
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Built Around Your Day
Reclaim the Hours You Spend Moving Money
Pick the part of your cash flow you want to fix — receivables, payables, digital, or fraud — and see exactly what BRB puts to work for you.
{beginNavtabs}
Receivables
Receivables
- Remote Deposit Capture
- Make deposits from your office 24/7 — skip the trip to the bank.
- ACH Service
- Reduce collection times by automatically collecting payments.
- Merchant Services
- Accept Mastercard, VISA, Discover, and American Express.
- Lockbox
- A secure P.O. box your clients use to send payments and cut down fraud.
Payables
Payables
- Positive Pay
- Review potentially fraudulent checks and decide to pay or return them.
- ACH Services
- Direct deposit payroll, consumer payments, and automated vendor payments.
- Wire Transfers
- Securely initiate domestic and international wires.
Digital Banking
Digital Banking
- Mobile & Online Banking
- Manage your business from anywhere with in-app support messaging.
- Cash Management Platform
- Our upgraded platform brings payments, collections, and reporting into one dashboard — try it free for 2 months*.
Fraud
Fraud
- Check Positive Pay
- Review potentially fraudulent checks before they impact your accounts.
- ACH Positive Pay
- Pre-approve ACH transactions and get notified of unexpected items.
{endNavtabs}
Helpful Answers
Treasury Management FAQ
Get straightforward guidance on how BRB treasury tools fit your business.
{beginAccordion}
WHAT IS TREASURY MANAGEMENT?
Treasury management is a set of banking tools that help your business move money efficiently, get paid faster, protect accounts from fraud, and see your cash position in real time — all from one platform.
IS THERE A COST TO GET STARTED?
New customers on our cash management platform get their first two months on us,* with no commitment to get started. Your local treasury team will walk you through the services that fit your business.
WHO DO I CONTACT FOR HELP?
You'll work directly with BRB's local treasury team — real people who know your name and your business. Reach out any time and we'll connect you with the officer for your region.
HOW DOES POSITIVE PAY PROTECT MY BUSINESS?
Positive Pay lets you review potentially fraudulent checks and ACH transactions before they clear, so you can pay or return items before they impact your accounts.
CAN I ACCEPT CREDIT CARD PAYMENTS?
Yes. Our Merchant Services let you accept Mastercard, VISA, Discover, and American Express, expanding the ways your customers can pay you.
{endAccordion}
Treasury Workflow
Connect how money comes in and goes out
Treasury is most useful when payables, receivables, fraud controls, and checking are designed as one workflow.
*This offer is open to Blue Ridge Bank clients who have never been enrolled in our Cash Management Platform. Clients who have previously used this service prior to October 1st, 2025, does not qualify. These waived fees only apply to the Cash Management platform fees and does not cover other services. After two calendar months cash management users will pay $30 per month. Fees can be offset with earnings credit. Blue Ridge Bank reserves the right to change the terms and conditions of this offer at any time.
Kasasa Cash CalculatorDisclaimer
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
Buy vs. Lease CalculatorDisclaimer
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
CD CalculatorDisclaimer
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%
Savings Goal CalculatorDisclaimer
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
Simple Loan CalculatorDisclaimer
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
Business Certificates of Deposit Rates
| Term | Interest Rate | APY* | Min. Balance |
|---|---|---|---|
| 3 – 5 Months | 1.49% | 1.50% | $1,000 |
| 6 Months | 1.59% | 1.60% | $1,000 |
| 7 – 11 Months | 1.69% | 1.70% | $1,000 |
| 12 Months | 1.79% | 1.80% | $1,000 |
| 13 – 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+ | 1.49% | 1.50% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Business Money Market Rates
| Balance | Rate | APY** |
|---|---|---|
| $0 – $24,999.99 | 0.25% | 0.25% |
| $25,000 – $49,999.99 | 1.00% | 1.00% |
| $50,000 – $99,999.99 | 1.50% | 1.53% |
| $100,000 – $249,999.99 | 2.00% | 2.03% |
| $250,000 – $499,999.99 | 2.20% | 2.23% |
| $500,000 – $999,999.99 | 2.55% | 2.58% |
| $1,000,000 – $2,999,999.99 | 2.74% | 2.78% |
| $3,000,000 – $4,999,999.99 | 2.94% | 2.98% |
| $5,000,000 and Greater | 3.18% | 3.23% |
**Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Business Savings Rates
| Balance | Rate | APY* |
|---|---|---|
| $500.00 | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Business with Interest Rates
| Balance | Rate | APY* |
|---|---|---|
| $3,000.00 | 0.10% | 0.10% |
*APY accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $100.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Certificate of Deposit Specials Rates
| Term | Rate | APY* | Min. Balance |
|---|---|---|---|
| 5 Months | 3.71% | 3.75% | $1,000 |
| 10 Months | 3.94% | 4.00% | $1,000 |
| 15 Months | 3.94% | 4.00% | $1,000 |
| 23 Months | 3.99% | 4.05% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. Limited-time offer. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Charitable Checking Rates
| Product | Interest Rate | APY* |
|---|---|---|
| Charitable Account | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Consumer Certificates of Deposit Rates
| Term | Interest Rate | APY** | Min. Balance |
|---|---|---|---|
| 3 – 5 Months | 1.49% | 1.50% | $1,000 |
| 6 Months | 1.59% | 1.60% | $1,000 |
| 7 – 11 Months | 1.69% | 1.70% | $1,000 |
| 12 Months | 1.79% | 1.80% | $1,000 |
| 13 – 17 Months | 1.89% | 1.90% | $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+ | 1.49% | 1.50% | $1,000 |
**Annual Percentage Yield (APY) effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
First Honor Checking Rates
| Product | Rate | APY* |
|---|---|---|
| First Honor Checking | 1.50% | 1.51% |
*Annual Percentage Yield (APY) for First Honor Checking is 1.51%. APY accurate and effective as of 10/15/26. Rates may change after account is opened. Fees may reduce earnings. Minimum balance to open account is $50.00. A $10 service fee applies if the account balance falls below the minimum balance requirement of $1,000.
Golden Advantage Certificate of Deposit & Specials Rates
| Term | Interest Rate | APY* | Min. Balance |
|---|---|---|---|
| 12 Months | 3.99% | 4.05% | $1,000 |
| 30 Months | 4.04% | 4.10% | $1,000 |
| 36 Months | 1.39% | 1.40% | $1,000 |
| 48 Months | 1.44% | 1.45% | $1,000 |
| 60 Months | 1.49% | 1.50% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. Golden Advantage members (age 55+) receive a rate bonus over standard CD specials. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Golden Advantage Money Market
| Balance | Rate | APY* |
|---|---|---|
| $2,500.00 and Greater | 2.83% | 2.88% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026 This rate is subject to change. Minimum balance to open is $2,500.00. Avoid the monthly service fee by maintaining a $2,500.00 minimum daily balance. Certain restrictions and conditions may apply. Fees may reduce earnings.
Golden Advantage Plus Checking Rates
| Balance | Interest Rate | APY* |
|---|---|---|
| $0.00 – $2,499.99 | 0.03% | 0.03% |
| $2,500.00 – $24,999.99 | 0.05% | 0.05% |
| $25,000.00 – $49,999.99 | 0.05% | 0.05% |
| $50,000.00 and Greater | 0.08% | 0.08% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Health Savings Rates
| Product | Rate | APY‡ |
|---|---|---|
| Health Savings Account | 0.15% | 0.15% |
‡Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open and to obtain APY is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Kasasa Cash® Rates
| Balance | Min. Deposit to Open | Rate | APY* |
|---|---|---|---|
| $0.01 – $15,000.99 | $100 | 4.41% | 4.50% |
| $15,001.00 and Greater | n/a | 0.05% | 0.05% |
| All balances if qualifications not met | n/a | 0.01% | 0.01% |
*APY = Annual Percentage Yield. APYs accurate as of 10/15/2026. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: domestic ATM fees are reimbursed up to $20; balances up to $15,000.99 receive 4.50% APY; balances over $15,001.00 earn 0.05%. If qualifications are not met, all balances earn 0.01% APY. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle. Fees may reduce earnings.
Kasasa Saver® Rates
| Balance | Min. Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| $0.01 – $100,000.99 | $100.00 | 2.96% | 3.00% |
| $100,001 and Greater | $100.00 | 0.05% | 0.05% |
| All balances if qualifications not met | $100.00 | 0.01% | 0.01% |
*APY = Annual Percentage Yield. APYs accurate as of 10/15/2026. Rates may change after account is opened. If Kasasa Cash qualifications are met each monthly cycle, Kasasa Saver balances up to $100,000.99 receive 3.00% APY; balances over $100,001 earn 0.05%. If qualifications are not met, all balances earn 0.01% APY. Fees may reduce earnings.
Money Market Tiered Rates
| Balance | Interest Rate | APY* |
|---|---|---|
| $0.00 – $2,499.99 | 0.25% | 0.25% |
| $2,500 – $9,999.99 | 0.50% | 0.50% |
| $10,000 – $24,999.99 | 0.75% | 0.75% |
| $25,000.00 – $49,999.99 | 1.00% | 1.00% |
| $50,000.00 – $99,999.99 | 1.25% | 1.25% |
| $100,000.00 – $249,999.99 | 2.395% | 2.43% |
| $250,000.00 – $999,999.99 | 2.49% | 2.53% |
| $1,000,000 and Greater | 2.49% | 2.53% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Avoid the $11 monthly service fee by maintaining a $2,500.00 minimum daily balance. Certain restrictions and conditions may apply. Fees may reduce earnings.
Municipal Money Market
| Balance | Rate | APY** |
|---|---|---|
| $0 – $24,999.99 | 0.25% | 0.25% |
| $25,000 – $49,999.99 | 1.00% | 1.00% |
| $50,000 – $99,999.99 | 1.36% | 1.38% |
| $100,000.00 – $249,999.99 | 1.85% | 1.88% |
| $250,000.00 – $499,999.99 | 2.05% | 2.08% |
| $500,000.00 – $999,999.99 | 2.40% | 2.43% |
| $1,000,000.00 – $2,999,999.99 | 2.59% | 2.63% |
| $3,000,000.00 – $4,999,999.99 | 2.78% | 2.83% |
| $5,000,000.00 and Greater | 3.03% | 3.08% |
**Municipal Money Market: Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open and to obtain APY is $1,000.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Personal Savings Rates
| Product | Rate | APY* |
|---|---|---|
| Personal Savings | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Youth Savings Rates
| Product | Rate | APY** |
|---|---|---|
| Youth Savings | 0.10% | 0.10% |
**Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $10. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.