Personal Banking
Banking That Looks Out for You
Earn more on everyday checking, lock in a CD rate before it moves, or borrow from a banker who knows your name and gives you a real answer — not an auto-reply.
Personal Banking
| DECISION BASICS | |
| Top Checking APY |
4.50% APY* (Kasasa)
|
| Top CD APY |
3.75% APY**
|
| Branches |
27 across VA & NC
|
Personal Lending
Borrow With a Banker in Your Corner
A kitchen you've been dreaming about, a new truck, debt you'd like behind you, or a card that actually rewards you — your local BRB banker helps you find the right fit, not just stamp an application.
Home Equity & HELOC
That project you've been putting off, a tuition bill, or rising costs — the equity in your home can help, with a quick answer from someone local.
Auto, RV & Boat Loans
Terms up to 84 months and underwriting that moves on your timeline — not a national waiting line.
Personal Term Loans
One steady payment and one banker you can call by name — for repairs, big moments, or finally consolidating that debt.
Personal Credit Cards
Cash back or travel rewards — pick the one that fits how you actually spend, with 0% intro APR on qualifying cards.
Checking Accounts
Checking That Finally Gives Something Back
Whether you're a student finding your footing, a family juggling it all, someone who's served, or 55 and better — there's a BRB checking account that fits your life and skips the monthly fees.
Kasasa Cash® Checking
Earn 4.50% APY on your everyday balance — plus up to $20/month in nationwide ATM fee refunds. No minimum balance to earn.
Simply Checking
Straightforward everyday checking. No monthly maintenance fee, no minimum balance, free debit card, and Zelle® built in.
Golden Advantage
Designed for members 55+. Complimentary checks, up to 4 ATM reimbursements, exclusive CD & Money Market rates, and dedicated service.
First Honor Checking
A checking account that honors those who serve. Interest on your balance, 5 domestic ATM fee refunds, free cashier's checks, and free stop payments.
Savings & Growth
Give Every Dollar a Job
Keep flexible savings within reach for the unexpected, lock in today's rate with a CD for a goal you can see coming, and let tax-advantaged accounts do the heavy lifting for healthcare and retirement.
Bank Services
Local Bank. Right in Your Pocket.
Full digital banking comes free with every BRB account — manage your money anytime, from anywhere.
And when you'd rather talk it through, your banker is still just a call away.
Digital Banking
Full account access online and on mobile, included free with every account.
Pairs Well With
Make everyday banking easier
Checking works best when money movement, savings, and card access are connected.
Digital Banking
Mobile deposit, alerts, bill pay, Zelle®, and wallet access.
Explore
Checking Accounts
Checking That Finally Gives Something Back
Whether you're a student finding your footing, a family juggling it all, someone who's served, or 55 and better — there's a BRB checking account that fits your life and skips the monthly fees.
Kasasa Cash® Checking
Earn 4.50% APY on your everyday balance — plus up to $20/month in nationwide ATM fee refunds. No minimum balance to earn.
Simply Checking
Straightforward everyday checking. No monthly maintenance fee, no minimum balance, free debit card, and Zelle® built in.
Golden Advantage
Designed for members 55+. Complimentary checks, up to 4 ATM reimbursements, exclusive CD & Money Market rates, and dedicated service.
First Honor Checking
A checking account that honors those who serve. Interest on your balance, 5 domestic ATM fee refunds, free cashier's checks, and free stop payments.
Savings & Growth
Give Every Dollar a Job
Keep flexible savings within reach for the unexpected, lock in today's rate with a CD for a goal you can see coming, and let tax-advantaged accounts do the heavy lifting for healthcare and retirement.
Bank Services
Local Bank. Right in Your Pocket.
Full digital banking comes free with every BRB account — manage your money anytime, from anywhere.
And when you'd rather talk it through, your banker is still just a call away.
Digital Banking
Full account access online and on mobile, included free with every account.
Pairs Well With
Make everyday banking easier
Checking works best when money movement, savings, and card access are connected.
Digital Banking
Mobile deposit, alerts, bill pay, Zelle®, and wallet access.
ExploreChecking Accounts
Checking That Finally Gives Something Back
Whether you're a student finding your footing, a family juggling it all, someone who's served, or 55 and better — there's a BRB checking account that fits your life and skips the monthly fees.
Kasasa Cash® Checking
Earn 4.50% APY on your everyday balance — plus up to $20/month in nationwide ATM fee refunds. No minimum balance to earn.
Simply Checking
Straightforward everyday checking. No monthly maintenance fee, no minimum balance, free debit card, and Zelle® built in.
Golden Advantage
Designed for members 55+. Complimentary checks, up to 4 ATM reimbursements, exclusive CD & Money Market rates, and dedicated service.
First Honor Checking
A checking account that honors those who serve. Interest on your balance, 5 domestic ATM fee refunds, free cashier's checks, and free stop payments.
Savings & Growth
Give Every Dollar a Job
Keep flexible savings within reach for the unexpected, lock in today's rate with a CD for a goal you can see coming, and let tax-advantaged accounts do the heavy lifting for healthcare and retirement.
Bank Services
Local Bank. Right in Your Pocket.
Full digital banking comes free with every BRB account — manage your money anytime, from anywhere.
And when you'd rather talk it through, your banker is still just a call away.
Digital Banking
Full account access online and on mobile, included free with every account.
Pairs Well With
Make everyday banking easier
Checking works best when money movement, savings, and card access are connected.
Digital Banking
Mobile deposit, alerts, bill pay, Zelle®, and wallet access.
ExploreHelpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHICH CHECKING ACCOUNT IS RIGHT FOR ME?
It comes down to how you like to bank. Kasasa Cash® pays high yield on your everyday balance, Simply Checking skips the monthly fee, Golden Advantage is built for folks 55 and better, and First Honor gives back to military and first responders. Not sure? A banker will happily help you compare.
IS DIGITAL BANKING REALLY FREE ON EVERY ACCOUNT?
It sure is. Every BRB personal account comes with full digital banking at no charge — Zelle®, mobile deposit, bill pay, real-time alerts, and a Personal Finance Manager to keep it all in view.
HOW DO I OPEN AN ACCOUNT?
Most accounts open online in just a few minutes. Or stop by any of our 27 branches across Virginia and North Carolina and we'll get you set up in person.
ARE MY DEPOSITS INSURED?
Yes — your deposits are FDIC insured up to $250,000 per depositor, per ownership category.
{endAccordions}
Checking Accounts
Checking That Finally Gives Something Back
Whether you're a student finding your footing, a family juggling it all, someone who's served, or 55 and better — there's a BRB checking account that fits your life and skips the monthly fees.
Kasasa Cash® Checking
Earn 4.50% APY on your everyday balance — plus up to $20/month in nationwide ATM fee refunds. No minimum balance to earn.
Simply Checking
Straightforward everyday checking. No monthly maintenance fee, no minimum balance, free debit card, and Zelle® built in.
Golden Advantage
Designed for members 55+. Complimentary checks, up to 4 ATM reimbursements, exclusive CD & Money Market rates, and dedicated service.
First Honor Checking
A checking account that honors those who serve. Interest on your balance, 5 domestic ATM fee refunds, free cashier's checks, and free stop payments.
Savings & Growth
Give Every Dollar a Job
Keep flexible savings within reach for the unexpected, lock in today's rate with a CD for a goal you can see coming, and let tax-advantaged accounts do the heavy lifting for healthcare and retirement.
Bank Services
Local Bank. Right in Your Pocket.
Full digital banking comes free with every BRB account — manage your money anytime, from anywhere.
And when you'd rather talk it through, your banker is still just a call away.
Digital Banking
Full account access online and on mobile, included free with every account.
Pairs Well With
Make everyday banking easier
Checking works best when money movement, savings, and card access are connected.
Digital Banking
Mobile deposit, alerts, bill pay, Zelle®, and wallet access.
ExploreHelpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHICH CHECKING ACCOUNT IS RIGHT FOR ME?
It comes down to how you like to bank. Kasasa Cash® pays high yield on your everyday balance, Simply Checking skips the monthly fee, Golden Advantage is built for folks 55 and better, and First Honor gives back to military and first responders. Not sure? A banker will happily help you compare.
IS DIGITAL BANKING REALLY FREE ON EVERY ACCOUNT?
It sure is. Every BRB personal account comes with full digital banking at no charge — Zelle®, mobile deposit, bill pay, real-time alerts, and a Personal Finance Manager to keep it all in view.
HOW DO I OPEN AN ACCOUNT?
Most accounts open online in just a few minutes. Or stop by any of our 27 branches across Virginia and North Carolina and we'll get you set up in person.
ARE MY DEPOSITS INSURED?
Yes — your deposits are FDIC insured up to $250,000 per depositor, per ownership category.
{endAccordions}
*APY=Annual Percentage Yield. APYs accurate as of 4/1/2025. Rates may change after account is opened. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000.99 receive APY of 4.50%; and (3) balances over $15,001.00 earn 0.05% interest rate on the portion of the balance over $15,001.00 and over. If qualifications are not met on Kasasa Cash, all balances earn 0.01% APY. Qualifying transactions must post and settle to Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. Transfers between accounts do not count as qualifying transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.
**Annual Percentage Yield (APY) accurate and effective as of 08/10/2026. This is a limited time offer and may be withdrawn at any time. Minimum balance to open and to obtain APY is $1,000.00. 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, 10-month term, 15-month term, and 23-month term. Ask us for complete details.
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.