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. It accepts checking, savings, and individual retirement 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; 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 comprising safe deposit boxes, traveler's checks, direct deposit of payroll and social security checks, automatic drafts for various accounts, and 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. It operates 13 full service locations, 3 limited service branches, 1 loan production offices, and 3 mortgage production offices. The company was incorporated in 1998 and is headquartered in Lynchburg, Virginia.