Visa Debit Card

Use your Visa Debit Card to easily manage your money.

Your Bank of the James VISA debit card is a convenient, safe and smart way to manage your money. Today, a debit card is how your purchasing is done and is much simpler than writing a check. Many businesses no longer accept checks or even cash so a debit card is a must! With your debit card, you can shop anywhere VISA is accepted and make everyday purchases. These purchases are automatically deducted from your primary Bank of the James checking account. You can also use your debit card to obtain cash at any Bank of the James ATM or an ATM displaying the VISA, PLUS, American Express, Discover, MasterCard, Cirrus and Accell Exchange. Fees will be charged per transaction when using an ATM at another institution.

Now it is even easier to use your Bank of the James Debit Card!

Find the contactless symbol, tap, and your payment is complete.


Manage my cards

Staying in control of your cards is easier than ever. Our powerful card controls offer you an all-in-one dashboard for managing your cards and how they are used, viewing your transactions, and staying informed.

  • View spending by category, monthly trends, and location
  • Easily lock and unlock cards
  • Restrict purchases to location, merchant categories, or transaction types
  • Set up alerts based on transaction type, merchant category, location, or even spend limit
  • Set travel plans
  • Report cards lost or stolen 


UChoose Rewards

Earn points with every purchase and choose your reward.

You already love how convenient your debit card is, but how much more would you love yours if it was rewarding, too? Now, you’ll get more with every purchase. Every time you use your card, you earn points that reward you with exactly what you want.

Just make the same purchases you normally do:
  • Groceries
  • Gas
  • Pay Bills
  • Every purchase made with your card is earning points toward the rewards you choose

Our easy-to-use rewards website lets you keep track of your points, and shows you how to redeem them for fabulous rewards! From online shopping to once-in-a-lifetime trips… big screen TVs to big sporting events and concerts. From your favorite national stores to the local merchants you love.

Whatever you CHOOSE! Just enroll now and use your debit card the way you normally would… then watch the points pile up. It’s time to find out just how rewarding using your debit card can really be!


close up of bank of the james credit cardVisa Credit Card

The credit card that gives back.

Expand your purchasing power with the BOTJ Visa® Card. This is a rewards card where points accumulate for every qualifying net dollar you spend. You can then turn your purchases into amazing merchandise, travel or lifetime experiences by visiting Score Card Rewards.


Increase your purchasing power with our Visa Platinum Rewards card. Benefits include no annual fee and competitive rates, chip card security, fraud monitoring, travel benefits, 24/7 customer service located in the U.S., and much more. CLICK HERE to apply.


Visa is an industry leader in fraud prevention, transaction monitoring, and identity theft. Your peace of mind and protection are paramount to us, and you can feel safe when using your BOTJ Visa Card. For protection while traveling, your Bank of the James Visa Card automatically provides Travel Accident Insurance* and Auto Rental Insurance**. There are more than 24 million locations accepting Visa across the globe.


See the application’s Important Disclosures for current terms, rates, and fees. Subject to credit approval. This card is issued by TCM Bank, N.A. There’s no limit to how many points can be accumulated.

*Travel Accident Insurance: Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply. **Auto Rental Collision Damage Waiver : To activate coverage, complete the entire rental transaction with your card and decline the collision damage waiver coverage if offered by the rental company.  Restrictions apply if you have personal automobile insurance covering this theft or damage.

Conveniently access cash when you need it with an ATM card.

With an ATM card and personal identification number (PIN) you can conveniently access cash from Bank of the James ATMs, and our network of participating ATMs.

  • Access your accounts 24 hours a day, 365 days of the year
  • Use ATM machines nationwide and around the globe

Obtain cash from ATMs displaying the following identification: VISA, PLUS, American Express, Discover, MasterCard, Cirrus and Accel Exchange. Fees will be charged per transaction when using an ATM at another financial institution.