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Charlottesville – 550 E Water Street

Your Downtown Charlottesville Community Bank

Bank of the James invites you to visit our newest location at 550 E Water Street in downtown Charlottesville. This office serves as our Charlottesville headquarters, and includes a full-service retail banking office, as well as mortgage, commercial lending, and business banking offices.

We want to take time to acknowledge our customers and say “thank you”. The Charlottesville community has been exceptionally supportive, and is largely responsible for our success. We are grateful for each and every person who has trusted BOTJ to be their bank of choice.  If you are looking for a new banking relationship, we would love to meet you. We look forward to growing and succeeding with you as we move forward together.

Bank of the James is a local bank located conveniently in downtown Charlottesville, Virginia.

As a local bank, we understand that community is important. When you walk through the doors of our main office in Charlottesville, we want you to feel welcomed and at home. Our office is located on Water Street in Charlottesville’s Downtown Mall, close to UVA and many popular bars and restaurants. Our Charlottesville staff members can assist you with any of your banking needs, including mortgages, personal banking, business banking, loan solutions, and more. 

After your appointment, you can walk the Downtown Mall and do some shopping at a number of local boutiques, or dine at a number of restaurants. Some of our favorite places are Tavola and Bang. We invite you to make an appointment with us and see what makes our office, and our Charlottesville family, so special. 

Currently available by appointment only. ATM also available

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Downtown Charlottesville


  • Full Service Lobby
  • ATM
  • Night Deposit
  • Checking and Savings Accounts
  • Personal Lending
  • Home Equity Loans and Lines
  • Mortgages
  • Online and Mobile Banking
  • Business Banking Solutions
Personal Banking
FREE checking accounts, debit cards, savings accounts and more!
Business Solutions
Business loans, cash management and more- our experienced staff helps your business grow.
Loan Solutions
Whether you are buying a vehicle, home or land, our team is here to help you.
Mobile Banking
Pay bills, check balances, transfer money.
Open an Account Online
Open a checking or savings account in 10 minutes!

What Our Customers Are Saying

I am so excited to have Bank of the James in downtown Charlottesville. The staff is very professional and always makes me feel welcome. Highly recommend!
Susan DeChellis
Susan DeChellis
14:21 30 May 19
This place to be
Birch Jones
Birch Jones
00:09 03 Jun 18
Michelle Thomas
Michelle Thomas
00:28 31 Aug 18
Jared Feury
Jared Feury
17:47 17 Jan 17
Jamie is awesome and always goes above and beyond for his clients! I highly recommend him for all your real estate needs!
Erin Bruce
Erin Bruce
21:09 12 Jul 19
Westminster has a great banker, Sherry is great at what she does. She gets you in and out in a timely manner. I hope she never leaves us here at Westminster, and we don't want her to leave. if you all could we would love to have her full-time here, we need her more than twice a week.
Darryl Morton
Darryl Morton
17:42 06 Dec 19
Emma Brown has helped me on several occasions at the bank. She is wonderful - friendly, professional, and very efficient. I have really appreciated her help and give her 5 stars!
Greg Hayden
Greg Hayden
23:18 20 Dec 19

Downtown Charlottesville


550 E. Water Street, Suite 100, Charlottesville, VA 22902

Phone: (434) 995-5423