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Charlottesville – 550 E Water Street

Your Downtown Charlottesville Community Bank—Open Now!

Bank of the James recently opened our new state-of-the-art branch 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. This branch offers a unique banking experience, with interactive digital displays, touch screen banking, and other new smart banking technologies. And, we are dog friendly!

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.

Monday-Friday: 9:00 am to 5:00 pm

View Our Current Promotions

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

Downtown Charlottesville


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

Phone: (434) 995-5423