Bank of the James Financial Group Inc

Bank of the James Financial Group Inc. operates as the bank holding company for Bank of the James that provides general retail and commercial banking services to individuals businesses associations and organizations and governmental authorities in Virginia the United States. It offers checking savings individual retirement and health care saving accounts as well as other time deposits including money market accounts and certificates of deposit. The company also offers loans to small- and medium-sized businesses for the purchases of equipment facilities upgrades inventory acquisition and various working capital purposes; commercial and residential construction and development loans; commercial real estate mortgage loans; residential mortgage loans; and secured and unsecured consumer loans such as lines of credit and overdraft lines of credit as well as personal automobile installment demand and home equity loans for personal family or household purposes. In addition it provides other banking services including safe deposit boxes traveler's checks direct deposit of payroll and social security checks automatic drafts for various accounts treasury management and credit card merchant services. Further the company offers securities brokerage and investment services; and telephone and internet banking services comprising online bill pay as well as acts as an agent for insurance and annuity products. The company was founded in 1998 and is headquartered in Lynchburg Virginia.