Online Banking
Personal Desktop Banking
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If your business isn’t enrolled in Desktop Banking, contact us today! Put the power of online banking to work for your business!

101 Jacksonville Circle
P.O. Box 215
Floyd, VA 24091

Phone numbers:

Toll Free:

Credit Cards:
Customer Service: 1-888-295-5540
Lost or Stolen Cards: 1-800-444-6938

To report a lost or stolen VISA® DEBIT Card,
call 1-800-554-8969.

To Activate and Select or Change
your PIN on a VISA® Debit Card,
Call 1-800-567-3451

Personal Banking

No two customers are the same.
Neither Are Their Banking Needs.

For more than a century, Bank of Floyd has helped families in our community protect, nurture and invest their money wisely in good and bad times. Whether you're just starting out, buying a home, planning for retirement or simply wanting to prepare for what's next, we offer a wide array of checking, savings and loan options.

Neighbors helping neighbors.
That's what we do.

Experience the Difference at Bank of Floyd.

Click below to learn more.

Bank of Floyd - Personal Banking


We make it easy to bank your way.

Bank of Floyd - Personal Banking

There are never any hidden fees or surcharges – just simple, straight forward and smart checking options. And affordable: any of our great accounts are only $50 to open!

Plus, when you open your new checking account with us, we’ll say "thanks" by welcoming you with a free gift at account opening! Stop in and find out how easy it is to switch to Bank of Floyd. Stop in and Experience the Difference!

Simply Free Checking

A free account with no strings attached!

50 N’ Better Checking

The perfect account if a signer is 50 or better!

VIP Interest Checking

The perfect account if you have direct deposit or an automatic payment!

Platinum Checking

The perfect account for those who keep a higher balance!

Order Checks

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Bank of Floyd - Personal Banking

A marathon, not a sprint.

Managing your money wisely for the long haul requires a blend of patience, foresight and smart decision-making. Whether you're saving for vacation, college, retirement or just a rainy day, we offer a range of flexible options to help you safeguard and grow your hard-earned money.

Bank of Floyd: For today...and tomorrow.

Money Market Account

You may make six (6) preauthorized or automatic transfers or withdrawals from your account each four (4) week or similar period, including ACH, bill pay, online banking transfers and transfers by check, debit card or similar order payable to a third party.

Money Market Silver Account

You may make six (6) preauthorized or automatic transfers or withdrawals from your account each four (4) week or similar period, including ACH, bill pay, online banking transfers and transfers by check, debit card or similar order payable to a third party.

Statement Savings

Junior Statement Savings

Certificates of Deposit

Individual Retirement Accounts (IRA)

Traditional IRA

Roth IRA

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Bank of Floyd - Personal Banking

Your Dreams + Bank of Floyd: A Winning Combination

Want to finance a large purchase? No worries, Bank of Floyd has your back.

We offer:

Getting started is easy; just click here to access our personal financial statement form (you will need Microsoft Excel to access the form) For assistance, please contact your local branch to speak with one of our lenders.

Home Loans

Local Control Means Fast, Fair Decisions by Your Neighbors

Home Equity Options

Our home equity options allow you to take advantage of the great rates and tax benefits that borrowing based on your home's equity may provide. You can use your credit line or fixed rate loan to help cover the cost of everything from college tuition or a steep medical bill to a new car or that home improvement project you've been mulling for years.

We'll be delighted to sit down with you and help design a loan package that's right for you.

Home Equity Lines of Credit

Home Equity Loan

Home Mortgage Loans

Buying a home is the biggest purchase most of us will ever make. Let us help you make the most of it with our suite of mortgage options. Whether it's a starter home, a larger house to accommodate a growing family or a hard-earned vacation home, Bank of Floyd is to help you unlock the front door and move right in.

Consumer Credit Cards

We offer a variety of credit cards to meet your needs. Become a card member and enjoy a wide range of benefits including competitive introductory rates and your choice of rewards programs.

Bank of Floyd - Personal Banking

Learn More or Apply Now

Online account access provides the quickest and easiest way to:

Once you receive your credit card, simply access your account by clicking on the link below.

Access Your Account

Other Personal Loans

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Banking Online

Bank of Floyd - Personal Banking

Money Management at Your Fingertips

Online Banking

Life today is 24/7 for many of us. We understand. That's why we offer secure, online access to your Bank of Floyd accounts.

Click Enroll Now and enjoy the convenience of banking when you want.

Click below to learn more.

Bill Pay

The fast, easy way to pay bills anytime and anywhere. With Bill Pay, you can:

And with Bill Pay, you have access to Popmoney.


Email it. Text it. Pay people anytime with Popmoney.

Popmoney is an innovative personal payment service that eliminates the hassles of checks and cash. Now, sending and receiving money is as easy as emailing and texting.

With Popmoney you can send money to friends, family or almost anyone. All you need is their name and email address or mobile telephone number to move money from your bank account to theirs.

Popmoney is easy and convenient for everyone. Users simply receive money in their eligible account online at their bank (if it's a member of the Popmoney network) or at, saving them a trip to the bank or ATM.

How can you use Popmoney? Like this:

Already enrolled in Bill Pay? It's easy to use Popmoney.

  1. Login to your Online Banking account.
  2. Select the "Pay Bills" tab.
  3. Click the "Popmoney" tab.

Not signed up for Online Banking and Bill Pay yet? Sign up today! Click Enroll Now.

Mobile Banking

It's like having Bank of Floyd in your back pocket.

Carry your smartphone with you everywhere you go? Bank of Floyd understands. That's why we make it easy for you to access your accounts securely anywhere, anytime from your smartphone. Take advantage of online banking and bill pay features easily through your mobile browser. You can even get account updates via text messages and deposit checks to your account!

(Please note that message and data rates may apply depending on your mobile plan.)

With Mobile Banking, your information is fully secure. With multiple layers of authentication, you'll never have to worry about the wrong people getting your information. A personal password and phone activation code keep your information safe.

For iPhone, Android and Blackberry users, you can download an app for customized online banking (and we're developing apps for other phone models).

Mobile Banking is available to anyone currently enrolled for our Internet Banking service. Just login to your account and enroll using any device other than your mobile phone for Mobile Banking. You will need to have your mobile phone with you during the enrollment process. Visit our Online Education Center for detailed enrollment instructions or stop in your local branch and we'll help you enroll.

Enroll in Mobile Banking today!

Click here to access our online demos of some of Bank of Floyd's online banking services.

Helpful Tips for using Mobile Check Deposit

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Other Products & Services

Everything you need from people you know and trust.

Bank of Floyd - Personal Banking

Bank of Floyd offers a host of products and services to make your banking as convenient and worry-free as possible. Other products & services include:

Please contact your local branch to inquire about the availability of these and other convenient services.