Have questions on completing this application?  Reach out to creditcardservices@mybrb.bank or call (888) 331-6521. 

Blue Ridge Bank Business Credit Card Application

I. Business Information

Blue Ridge Bank personal credit cards are offered only to residents located in the following states:  VA, NC, SC, GA, TN, KY, WV, MD and DC.  Any applications received from states outside of these will be automatically declined.
Type of business: *

II. Cards for You and Your Employees

You may authorize to use your account the person(s) identified as your “authorized user(s)”. Each authorized user will be issued a card. The authorized user must affix his or her signature on the reverse side of the card. The persons you list below are designated as authorized users. For each card issued, you must designate an individual credit limit. The individual credit limits will be added to determine the total credit limit (credit limits are subject to approval.)
 Cardholder's Name (to appear on card)SSNCredit Limit
Emp Card
Emp Card
Emp Card
Emp Card

III. Authorized Contact

The Authorized Contact will be authorized to access account information on behalf of the Business entity, as well as to make changes to the accounts, including but not limited to, requesting credit line increases and additional cardholders.

IV. Owner or Authorized Officer Acknowledgement and Information

Important Information about procedures for opening a new account: To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify and record identity information on each person who opens an account. What this means for you: When you open an account, we will ask for your name, physical address, date of birth, social security number, and other information that will allow us to identify you. We reserve the right to request additional information.

V. Signature

By signing below, I acknowledge and agree on behalf of the Business entity and myself as the Authorized Officer; (1) that all information provided in connection with this Request Form is correct; (2) that the Bank may investigate and exchange reports regarding information on the Authorized Officer and the Business entity with credit reporting agencies and others; (3) that the account will be used for business purposes only; (4) to all terms of the Business Credit Card Agreement; (5) that my Financial Institution may release information about the Authorized Officer and Business entity and their accounts; (6) that the Business entity and I, personally and in my individual capacity, will each be liable for all charges, fees and finance charges on all the cards and accounts issued pursuant to this request or my other future requests to add additional cards or accounts. (In the case of a non-profit organization, the Authorized Officer will not be personally liable as set forth in #6 above, only the  business entity will be liable.)
Signature *

VI. Disclosures

The following information for each individual, if any, who, directly or indirectly, through any contract, arrangement, understanding, relationship or otherwise, owns 25 percent or more of the equity interests of the legal entity listed above: *If there is only one owner, please mark NA in the rest of the spaces. *
 NameOwnership %Date of BirthAddressSSN
1. This document, and any future changes to it, is your contract with us. We will refer to this document as your “Agreement” or “Credit Card Agreement”; these terms also include any changes we may make to this document from time to time.

2. The words "we", "us" and "our" mean Blue Ridge Bank, N.A. or any subsequent issuer or holder of your account.

3. The words "you" or "your" mean each and all of those who are granted, accept, or use the account and any person who has guaranteed payment of the account. You consent and agree to these terms and conditions, and also to the terms contained on the Card, sales drafts, credit adjustment memos and cash advance drafts, signed by or given to you or any authorized user of your Cards. You will be bound by this Agreement and responsible for paying all amounts owed. You agree with the terms and conditions of this agreement when you accept, sign or use your Card.
4. You agree and consent to an investigation of your credit standing prior to the issuance of a Card to you, and at any time thereafter, and authorize disclosure of such information relating to your credit standing to third parties.
To help the United States fight the funding of terrorism and money laundering activities, U.S. law requires all financial institutions to obtain, verify, and record information that identifies each customer that opens an account. 
What this means for you: When you open an account with us, we will ask for your and/or your business’s legal name, address, date of birth, tax identification number, and other identifying information that will assist us with identifying you and/or your business. We may also ask to see your photo identification (driver’s license) or other identifying documents. For businesses, we may ask for copies of certified articles of incorporation, an unexpired government-issued business license, a partnership agreement, or other documents that indicate the existence and standing of the entity. 
1. Use of Card. You can use your card to purchase goods and services at participating merchants. We will add the amount of each purchase to the part of your account we will call purchases. Subject to your available credit line, you can also obtain cash advances (loans) by presenting your credit card at any participating financial institution, or by using a designated Automated Teller Machine (ATM), provided a Personal Identification Number (“PIN”) has been issued to you. You may make cash advance withdrawals totaling not more than $500 each from compatible ATM terminals, not to exceed your credit limit. Terminals or terminal operators may have other limits on the amounts or frequency of cash withdrawals. You will not be liable for the unauthorized use of the card or PIN issued to you which occurs before we receive notification orally or in writing of loss, theft or possible unauthorized use of a card or PIN. Lost or stolen cards or PINS should be reported immediately to us by notifying CUSTOMER SERVICE, P.O. Box 31112, Tampa, FL 33631-3112, and Telephone (866) 563-1335. When using your card, you agree to provide identifying information and sign the appropriate drafts, when necessary. Failure to sign a draft does not relieve you of liability for purchases made or cash received. The use of this card for illegal transactions is prohibited.

2. Authorized Cardholders. At the Business’ request, the Bank may issue Cards to Authorized Cardholders. The Business is solely responsible for distributing any Cards sent to the Business and for safeguarding them following receipt. The Business acknowledges that the Cards are for the Authorized Cardholders only. Unless the Business notifies the Bank otherwise in writing, the Business authorizes and directs the Bank to issue renewal or replacement Cards to each Authorized Cardholder on or before the expiration of each Card. The Business acknowledges and agrees that Cards are not assignable or transferable, by operation of law or otherwise. The account will include a sub-account for each Authorized Cardholder. The name of the Authorized Cardholder and Cardholder Account number will be imprinted on the Card issued for a Cardholder Account, along with the Business’ name. The Business may elect to have each Cardholder Account billed individually to the Authorized Cardholder or to have a combined bill sent to the Business. Under either billing program, the Business is liable for all payments due in connection with the Account and the Cardholder Accounts, according to the terms of this Agreement. 
3. Balance Transfers. Balance transfer means a transfer of funds to another creditor initiated by us at your request. Balance Transfers include Transaction fees and adjustments associated with any Balance Transfer.

4. Credit Limit. Your “Credit Limit” is the maximum amount of Transactions (purchases, cash advances, and balance transfers), interest, finance charges, plus any other charges that we allow you to owe on the account at any time. You will be advised of the Credit Limit when the card is issued. You promise not to allow the outstanding balance to exceed the Credit Limit. However, if you exceed the Credit Limit, you are still responsible to pay the outstanding balance to us. We do not give up any of our rights under this Agreement and can require that you immediately pay any amount in excess of the Credit Limit. We may establish a maximum cash advance amount that is less than the Credit Limit. This cash advance limit is the Cash Limit. 
1. Membership Fees. As a condition to issuance of any Cards and our continued willingness to extend credit in connection with your account, you agree that there is no annual membership fee for your account, unless otherwise noted in the fee disclosure provided to you. Any membership fee noted entitles you to MasterCard Cards, and you agree to pay a fee for each additional Card requested. Please see the Credit Card Disclosure for fees charged.

2. Interest Charges. You shall pay Interest Charges as shown on your monthly statements, for each billing period in which there is a cash advance or the Previous Balance is not paid in full prior to the Closing Date of the billing statement. For cash advance fees, please see the Business Credit Card Disclosure. We figure the Interest Charges on your account by applying the Daily Periodic Rate to the entire “Balance Subject to Interest Rate.” The additional charge for cash advances shall not apply to any cash advance obtained under a separate credit agreement with you and written in connection with these regulations. The “Balance Subject to Interest Rate” is the “average daily balance,” of the account (including current transaction). To get the “average daily balance,” we take the beginning balance of the account each day, add any new cash advances, credit purchases and other charges, and subtract any payments or credits, unpaid late charges, unpaid membership fees and unpaid Interest Charges. This gives us the daily balance. Then, we add up all of the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the “AVERAGE DAILY BALANCE.” Interest Charges for credit purchases begin on the date the purchase is posted to the account unless the Previous Balance shown on the statement is paid in full prior to the Closing Date of the statement. Credit purchases made during the statement period and the Previous Balance will be excluded from the calculation of the “average daily balance” if the Previous Balance shown on the front of the statement was paid in full prior to the Closing Date of the statement. The Interest Charges for cash advances begin on the date the advance is posted to the account. You may avoid additional Interest Charges on your account by paying in full the New Balance shown on the account’s monthly statement that is at least 26 days after the Closing Date for that statement.

3. Finance Charges. A FINANCE CHARGE accrues on every purchase and cash advance from the day each advance is posted to your account to the day payment of the advance is credited. However, you can avoid paying a FINANCE CHARGE on current billing cycle purchases (those itemized on a statement) if you paid in full the new balance on your previous statement so that we receive and credit it on or before the due date indicated on that statement.
HOW WE DETERMINE THE AMOUNT OF FINANCE CHARGE: The FINANCE CHARGES for a billing cycle are computed by applying the daily periodic rate to the average daily balance multiplied by the number of days in the billing cycle OR the monthly Periodic Rate to the average daily balance of Credit Purchases (and, if applicable, Cash Advances), which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance is determined by adding to the Previous Balance of Credit Purchases (and, if applicable, Cash Advances) any new Credit Purchases posted to your account (and, if applicable, Cash Advances as of the transaction date or the first day of the billing cycle in which posted, whichever is later) and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges or overlimit fees. 
4. Variable Annual Percentage Rate. The current Daily Periodic Rate and corresponding Annual Percentage Rate for new accounts are disclosed on the accompanying Card mailer. These rates may vary monthly based on the current market Prime Rate. The Annual Percentage Rate is based on the highest prime rate published in The Wall Street Journal “Money Rates” table, PLUS a margin. For more information on current margin(s), please refer to the Credit Card Disclosure. We read the WSJ Prime rate on the 15th of each month and any change in your rate will be reflected as of the 30th day of that same month (“Change Date”). Beginning on the date an adjustment in the rate is effective and until the next Change Date, the Daily Periodic Rate then in effect will be applied to the balance in the account to determine the Interest Charges. An adjustment in the Daily Periodic Rate and corresponding Annual Percentage Rate will apply both to the outstanding balances in the account and to new cash advances, (including any balance transfers from other credit card accounts), credit purchases, and other charges. An increase or decrease in the Index Rate will cause an increase or decrease in the Daily Periodic Rate and corresponding Annual Percentage Rate and may increase the amount and number of minimum payments. If the Index Rate ceases to be made available, we may substitute a substantially similar index and margin. 
5. How We Will Calculate Your Variable Annual Percentage Rates. We calculate variable Annual Percentage Rates by adding a margin to the highest U.S. Prime Rate published in the Money Rates section of The Wall Street Journal on the 15th of each month and any change in your rate will be reflected as of the 30th day of that same month. The Annual Percentage Rate may increase or decrease each month if the Prime Rate changes. Any new rate will be applied as of the first day of your billing cycle during which the Prime Rate has changed. If the Annual Percentage Rate increases, you will pay a higher interest charge and may pay a higher minimum payment. The Prime Rate is simply a reference index and is not the lowest interest rate available. If The Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate.

6. Late Fees. If you don’t pay at least the minimum payment by the due date, you’ll be charged a late payment fee of $30. In addition, if you make a late payment, you will be in default and you may be subject to interest rate increases.
7. Overlimit Fees. If your new balance exceeds your credit limit as of a billing cycle closing date you will be charged an over limit fee of $30.
8. Replacement Fees if Card is Damaged. If your Card is damaged and/or you request that a new Card be issued to you, you will be charged a $5.00 replacement Fee. This will be added to your current cycle purchases and reflected on your monthly statement.
9. Expedited Delivery Fee. You may be charged this Fee if you request and we agree to arrange for expedited delivery of any Card to you (for example, by an overnight delivery service). The amount of the Expedited Delivery Fee will depend on the type of delivery you choose to receive, and will be disclosed to you when you request expedited delivery. If you then confirm and we honor your request, we will charge the fee.
10. Additional Fees. For a listing of fees charged in association with your card, please see the Business Credit Card Disclosure accompanying this Agreement. These charges will not be imposed if your request is in connection with or delivery of the documents in response to an alleged billing error under Regulations E or Z issued by the Board of Governors of the Federal Reserve System. Fees imposed will be posted to your account.
1. Monthly Statements.
If the Business selected Corporate Billing, at the end of each monthly billing cycle in which the Account has a closing credit or debit balance of more than $1 or for which interest is charged, the Bank shall furnish to the Business a billing statement reflecting all transactions posted to all Cardholder Accounts, all fees and charges imposed under this Agreement, any credits to the Account, and the Total Minimum Payment Due for the Account. The Business agrees to review promptly each Business Statement and to instruct each Authorized Cardholder to do so for each Individual Statement. If the Business or an Authorized Cardholder believes that a Statement is incorrect or needs additional information about a transaction shown on a Statement, the Business agrees to notify the Bank in writing within sixty (60) days of the date of the Statement on which any disputed charge or error first appeared. If the Business does not notify the Bank within this time period, the Business waives any rights with respect to the disputed amount to the fullest extent permitted by law. The notice must include the following information: both the Business’ name and the name of the Authorized Cardholder; the Cardholder Account Number; the dollar amount of any dispute or suspected error; the reference number for any questioned transaction; and a brief description of the dispute or suspected error. 
2. Payment.
The Business agrees to pay the Bank for all purchases and cash advances made under your account and/or all Cardholder Accounts, together with all Finance Charges and any fees and other charges according to the terms of this Agreement. You shall pay within 26 days after each statement Closing Date the full amount billed (the “New Balance”). Payments may be mailed to Blue Ridge Bank, P.O. Box 71050, Charlotte, NC, 28272. Payments may be made, in person, at a Blue Ridge Bank office. Payments received after 5:00 p.m. EST on any processing day or at any time on any non-processing day will be considered as payments made on the following processing day. 
3. How We Apply Payment. Subject to applicable law, the Bank reserves the right to allocate payments to the Account or any Cardholder Account, as applicable, among interest, fees, Purchases, Balance Transfers, Cash Advances and any other amounts due in any manner it chooses. The Bank may allocate payments to balances subject to a special, reduced rate offer before any other balances due on the Account or any Cardholder Account, as applicable, regardless of the order in which those balances were created.

4. Security Interest and Right of Setoff. The Business grants the Bank a continuing lien and security interest in and upon, as well as a right of setoff against, any and all monies, deposit accounts, securities and other property of the Business now or hereafter held or received by the Bank or any of the Bank’s affiliates, whether for safekeeping, pledge, custody, transmission, collection or otherwise, as security for all amounts that the Business may owe to the Bank under this Agreement.
1. Default. The Business promises to observe and comply with the terms of this agreement and promises not to permit an event of default to occur. Upon the occurrence of any one or more of the following events of default: (a) the Business fails to pay at least the Minimum Payment when due on two occasions within any 12-month period; or (b) the Business ceases to operate, becomes insolvent or the subject of bankruptcy or insolvency proceedings, or fails to observe any covenant or duty contained in these regulations, if such event or breach materially impairs the ability to pay amounts due; the full amount of the account for which the default occurred (including unpaid Interest Charges) shall, at the Banks option become immediately due and payable if the Business does not cure the default within 15 calendar days after notice is mailed to your address, or given as otherwise provided by law. The Bank has this right, without notice and opportunity to cure, if the default is your third default within 12 months and you are notified of the prior two defaults and you cured those defaults.

2. Termination. Your consent to these regulations may be terminated at any time by surrendering all Cards issued to the Business or any Cardholders or at your written request, but such termination shall not affect your obligations as to any balances or charges outstanding at the time of termination or any of the terms or conditions hereof in connection therewith. Your termination shall be binding on each person in whose name the Card is issued. We may terminate your privilege to use the Cards if you move out of our service area, as we may define from time to time. Unless sooner terminated, the privilege to use the Cards shall expire on the date shown on the Cards. At any time, without liability to you and without affecting your liability for credit previously extended, your privilege to use the Cards may be revoked or limited by us in our absolute and sole discretion to the extent not prohibited by law. The Cards are and shall remain our property and you agree to surrender them to us upon demand.
1. Foreign Transactions. Transactions made in foreign countries and foreign currencies will be billed to you in U.S. dollars. The exchange rate for transactions in a foreign currency will be a rate selected by MasterCard from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate MasterCard itself receives, or the government mandated rate in effect for the applicable central processing date. The exchange rate in effect on the central processing date may differ from the rate in effect on either the transaction date or the posting date. The exchange rate is subject to change by MasterCard.

2. We May Sell Your Account. We may at any time, and without notice to you, sell, assign or transfer your account, any amount due on your account, this Agreement, or our rights or obligations under your account or this Agreement to any person or entity. The person or entity to which we make any such sale, assignment or transfer shall be entitled to all of our rights and shall assume our obligations under this Agreement, to the extent sold, assigned or transferred.

3. Disputes. We are not responsible for refusal by any merchant, financial institution or automated equipment to honor or accept a card. Except as provided in the Federal Truth-in-Lending laws (as indicated in the Summary of Billing Rights below), we have no responsibility for merchandise or services you obtain with a card and any dispute concerning merchandise or services will be settled between you and the merchant concerned. 
4. Liability for Unauthorized Use of the Account. The Business agrees to notify the Bank immediately if the Business or any Authorized Cardholder knows or suspects that any Card is lost, stolen, or otherwise subject to unauthorized use. The use of a Card at any time, even if the Authorized Cardholder no longer is employed or associated with the Business, shall not constitute unauthorized use, subject to applicable law. The Business may be liable for unauthorized use of any Card as well as any fraud involving the use of a Card.

5. Indemnification. The Business shall indemnify and hold harmless the Bank, its affiliated, and their respective directors, officers, employees and agents, from and against any and all losses, claims, damages, expenses, liabilities, judgments, settlements, or other amounts, including reasonable attorneys’’ fees (collectively, “Losses”) resulting from, relating to, or arising out of this Agreement; provided however, that the Business shall have no obligation to indemnify the Bank, it’s affiliates, or their respective directors, officers, employees , or agents against any losses to the extent, that such Losses result from, arise out of, or relate to the gross negligence or willful misconduct of the Bank, its affiliates, or their respective director, officers, employees or agents.

6. Setoff. We may (without prior notice and when permitted by law) set off against any account held by you with Blue Ridge Bank for any due and payable debt you owe us now or in the future under this Agreement, to the extent of such debt. We will not be liable for the dishonor of any check when the dishonor occurs because we set off a debt against any account. You agree to hold us harmless from any claim arising as a result of our exercise of our right of setoff.

7. Collection Costs. You agree to pay all collection costs, including reasonable attorney’s fees, if we start collection proceedings, whether or not any such case is adjudicated in a court of law.

8. Permission to use monthly statements, etc. as evidence if you go to court for any reason, with photocopies. If we go to court for any reason, we can use a copy, microfilm, or microfiche of any monthly statement or other document to prove that you owe us or that a transaction has taken place. The copy, microfilm or microfiche will have the same validity as the original.

9. Reference to Benefits Guide. We may offer you certain benefits and services with your account. Any benefits or services are not a part of this Agreement, but are subject to the terms and restrictions outlined in the Benefits Guide and other official documents provided to you from time to time by or on behalf of Blue Ridge Bank. We may adjust, add, or delete benefits and services at any time and without notice to you.

10. Change of Address You must notify us promptly when you change your address. Any failure by you to notify us of any address shall not constitute any defense under this Agreement. We will send all correspondence, including collections correspondence, to your last known address. We may also change your address if so, notified by the post office or others.

11. Validity. No determination by any court or other governmental authority that any provision of this Agreement is invalid or unenforceable in any instance shall affect the validity or enforceability of (i) any other provision of this Agreement, or (ii) such provision of this Agreement in any circumstance not controlled by such determination. Each provision of this Agreement shall be valid and enforceable to the fullest extent allowed by, and shall be construed whenever possible as being consistent with, all applicable laws.
✓ This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.
✓ Notify us in case of errors or questions about your bill.
✓ If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet of paper at:
Card Services
P.O. Box 31112
Tampa, Florida 33631-3112
✓ Write to us as soon as possible. We must hear from you no later than 60 days after we sent you your first bill on which the error or problem appeared. You can call us on the telephone, but doing so will not preserve your rights.
✓ ln your letter, give us the following information:
o Your name and account number
o The dollar amount of the suspected error
o Describe the error and explain, if you can, why you believe there is an error
✓ If you need more information, describe the item you are not sure about.
✓ If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur.
Your Rights and Our Responsibilities After We Receive Your Written Notice:
✓ We must acknowledge your letter within 30 days, unless we have corrected the error by then.
✓ Within 90 days, we must either correct the error or explain why we believe the bill was correct.
✓ After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you ques1ion, including FINANCE CHARGES, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question.
✓ If we find that we made a mistake on your bill, you will not have to pay any FINANCE CHARGES related to any questioned amount. If we didn't make a mistake, you may have to pay FINANCE CHARGES; and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date it is due.
✓ If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within 10 days telling us that you still refuse to pay because you claim there is an error, we must tell anyone we report you to that you have a question about your bill. We must tell you the name of anyone to whom we provided information about your account. We must tell anyone we report you to that the matter has been settled between us when it finally is.
✓ If we do not follow the rules, we cannot collect the first $50.00 of the questioned amount, even if your bill was correct.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases:
✓ If you are dissatisfied with the goods or services that you purchased with your credit card and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount on the purchase.
✓ To use this right, all of the following must be true:
1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.00. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM do not qualify.
3. You must not have fully paid for the purchase.
✓ If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:
Card Services
P.O. Box 31112
Tampa, FL 33631-3112
✓ While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigations, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.
Authorized Officer Signature *
Authorized Officer Signature
By Submitting this application you 1) agree that all provided information is accurate and 2) you have read and agreed to all terms listed within this application *