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CD 5-year Account from Blue Ridge Bank, National Association with 0.50% APY and $10,000 minimum deposit

This bank is very bad. I am posting my story here now, hoping to make a reference for those friends who want to become their customers.

I was very excited when I saw Blue Ridge Bank, N.A. on Google because they provide a free checking account. Then I called them on the second working day, but unfortunately, none of them answered my call. I didn’t give up, I emailed them, excitingly, I received their reply via email the next day. Then, I told them my needs and all the problems I faced during the pandemic. Soon I received their reply, and they told me that their free checking account can meet my needs, and those problems I face will not affect me to open a free checking account. I remember very clearly that I confirmed to them twice about these issues, they still told me that these problems would not affect me as their customer. So far I have been very excited and happy. Next, they asked me to submit an account opening application on their website, the second month after my application was submitted, they finally responded to me, and they asked me to send me my IDs to them, and sign an application, and I also deposited 100$ into my new account via wire transfer and paid a wire transfer receiving fee of 16$ (they cannot make deposits through ACH.). Then the next day they sent me the online banking details. All this seems perfect. But unfortunately, the problem started a month later, suddenly they sent me an email and asked me to provide more documents to be able to continue to use my account. I was very surprised and tried to explain to them again the problems I am facing during the pandemic. Then they understood my difficulties and gave me a month to prepare these documents. Unfortunately, during the pandemic, the relevant departments were unable to answer the phone.

Really, I was very disappointed after I got online banking details, because the UI of their online banking page is very bad and the mobile app is also very difficult to use. In fact, they hope to close my account and I don't feel any pity.

At the beginning of July, I was suddenly unable to login to my online banking account. Then I sent an email and called them to ask them why. They did not reply to my emails, but just called me back and told me that they would help me to reset my online bank account. And they never told me that my account has been closed, as of today, they have not wanted to refund my money. I am very angry. I have sent them another email and called them. Ah, I just hope they can refund my money.

If you want to be their customer, please don't trust their sales, because they won't tell you the truth. Put another way, they just want your money.