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Welcome, Blue Ridge Bank Customers.

Here’s where you’ll find all the helpful details for your upcoming transition to FNBO.

Frequently Asked Questions

Our goal is to make this transition as seamless as possible. For most customers, day-to-day banking activities will continue much as they do today, and you'll continue working with the same friendly, knowledgeable team members you've come to know and trust in your community.

Please bookmark this URL and visit it for more updates.

What's staying the same:

  • Most deposit account numbers are expected to remain the same. If any updates are needed, we'll communicate directly with affected customers and provide guidance every step of the way.
  • Direct deposits and automatic transfers, including BillPay, are expected to continue without interruption.
  • Most existing Blue Ridge Bank products and services, including personal checks, debit cards and online banking services, will continue to be available. Should any products or services be affected by the transition, we'll provide information and next steps to impacted customers.
  • For customers with lending accounts: Your current loan terms and payment process are expected to remain the same. We'll keep you informed as we introduce future enhancements to your lending experience.

What's changing:

  • Effective October 1, 2026, overdraft fees will be eliminated from all personal checking accounts.
  • Effective October 1, 2026, Blue Ridge Bank and Trust Co., a division of FNBO, will no longer offer money orders, payroll cards or prepaid gift cards.
  • Important: If you have deposit accounts at both Blue Ridge Bank and Trust Co. and FNBO, your combined balances may exceed FDIC insurance limits. Please review the enclosed FDIC insert and consider consulting with your banker to ensure maximum protection for your deposits. Learn More

FAQs

No action is needed at this time. You can continue banking as you do today, and we'll keep you informed along the way as we prepare for the transition to FNBO.

Yes. You'll continue working with the same trusted team members who know you and your banking needs.

Most deposit account numbers are expected to remain the same. If any updates are needed, we'll contact affected customers directly and provide clear guidance and support throughout the process.

You can continue using your Blue Ridge Bank debit card and checks. If any changes are required in the future, we'll provide advance notice and instructions before they take effect.

No changes to branch hours are planned at this time. We will notify customers in advance if any future updates are made.

Until the transition is complete, please continue banking at your Blue Ridge Bank and Trust Co. locations. You can find branch and ATM locations using the Blue Ridge Branch & ATM Locator.

Yes. You can continue using MoneyPass® ATMs just as you do today. There are no changes to ATM access at this time.

If you have deposit accounts at both Blue Ridge Bank and Trust Co. and FNBO, your combined balances may exceed FDIC insurance limits. We encourage you to review the FDIC information provided and speak with your banker if you have questions about your coverage. Learn more on the FNBO Operating Names page.

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FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer.

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Only deposit products are FDIC insured.

 Investment Products are: NOT FDIC INSURED • NOT A DEPOSIT OR OTHER OBLIGATION OF THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT GUARANTEED BY THE BANK • MAY LOSE VALUE

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