Bank of Clarke County is headquartered in Berryville and is the 25th largest bank in the state of Virginia. It is also the 926th largest bank in the nation. It was established in 1881 and as of December of 2019, it had grown to 175 employees at 12 locations. Bank of Clarke County has an A+ health rating.
Have been there 20+ years over 200k a year in deposits. Now they cannot stand behind their products and services they offer. Gone down hill!!!!!!!!
They claim they offer Overdraft Protection up to $500 for the type of account I opened.
My account had positive balance at the time a check came through that was under the $500 overdraft Protection Thursday. The bank sent the check back Friday and charge me $35 dollar return check fee. A deposit came in Monday for 3k. I called Monday and asked why the bank sent the check back based on it was under the $500 overdraft protection on the account. Branch Manger stated" the overdraft protection is up to the discretion of Branch Manager and overdraft protection is not guaranteed ". That is not what is stated on the banks web site or on the paper work I signed to open the account.
Point here is a bank should not be offering a Overdraft Protection up to $500 if they are not going to stand behind what they advertise.
My wife (black) and I (white) went in this bank with a check that was initiated for error corrections (It was a legal and legit check). Before even getting to Christy's (bank employee) teller both you could sense she had an attitude. She vigoursly scanned over all the checks (appeared to be trying to find a problem) and then went to the one check with the error corrections and initials and said she can't take the check and accused my wife of writing a bad check as if she was some kind of criminal. We then spoke to the bank branch manager Harry in Berryville and he said to have them put a hold on it, but they have to take it. We went back in and Christy still refused to take the check. We spoke to the manager there and told her we spoke with Harry, she said no still. Harry called and finally they took it and put a hold for a week on a perfectly good check (the check cleared in the other bank fast). The bank of clarke county refused to remove the hold even though the check had cleared in the other bank. I am writing to all those out there who are miniorities, if you have a problem with Christy or other's at the pleasant valley branch please complain and we can get her removed. You don't need to be discriminated and treated like criminals by this horrible teller.
|FDIC Certificate #||6123|
|Return on Assets - YTD||1.21%|
|Return on Equity - YTD||11.31%|
|Annual Interest Income||$35.3MM|
|Assets and Liabilities|
|Assets||Q4 2019vs Q4 2018||$871.3MM$792.4MM|
|Loans||Q4 2019vs Q4 2018||$636.8MM$598.5MM|
|Deposits||Q4 2019vs Q4 2018||$772.5MM$703.5MM|
|Equity Capital||Q4 2019vs Q4 2018||$92.3MM$84.2MM|
|Loan Loss Allowance||Q4 2019vs Q4 2018||$5.0MM$5.4MM|
|Unbacked Noncurrent Loans||Q4 2019vs Q4 2018||$2.2MM$2.8MM|
|Real Estate Owned||Q4 2019vs Q4 2018||$183.00K$106.00K|
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