Products & Services 

Below is a list of the programs offered by Management Services, along with our partner companies. 

CDARS® (or the Certificate of Deposit Account Registry Service®)

Promontory Interfinancial Network, LLC
Promontory Interfinancial Network, LLC provides innovative, profit-building solutions to financial institutions.

Promontory’s CDARS service is a versatile tool that can help financial institutions to:
• Attract valuable relationships by offering customers access to multi-million-dollar FDIC insurance on their CD investments
• Keep the full amount of deposits on balance sheet or sell the excess for fee income
• Manage interest rate risk
• Reduce collateralization costs
• Tap cost-effective, fixed- or floating-rate funding
• Earn CD-level interest by investing their own funds through the service


VBA Check Program 
Virginia banks now have access to a strong program supported by Harland Clarke, one of the nation's leading providers of checks and other bank related services. The new VBA Check Program is decidedly different than the typical check printer endorsement. By pooling together the collective purchasing power of community banks in Virginia with banks from 12 other states, we maximize the core check program benefits available for participating banks.        





Compliance Alliance
Compliance Alliance is
an exciting and innovative
tool that represents the unified efforts of state bankers associations across the United States to provide critical compliance services to the banking industry. Compliance Alliance was formed with the belief that by working together each state banking association can more effectively reach its common goal of improving the competitive position of its member banks by helping ease the compliance and regulatory burden banks face. The Alliance understands the demands on your time and wants to provide your bank with the security of knowing everything you need for your bank to comply is readily available and easily accessible with a Compliance Alliance membership. To learn more, contact John Bowers at or 804-819-4732 

MountainSeed Appraisal Management
MountainSeed is a multi-disciplined consulting firm that specializes in meeting the needs of financial institutions across the United States. MountainSeed has refined its skill-set to specialize in Valuation related services, and Appraisal Management. MountainSeed has grown over the years through its stellar reputation in the financial services industry and its dedication to developing relationships with clients so that with a deep knowledge and appreciation of their business they can meet their needs in ways the client never thought possible. Please contact Patrick Roberts for more information at 855-640-0905 or

Thomas Compliance Associates
Thomas Compliance is a full service compliance consulting firm with seasoned compliance professionals, including several former bank regulators.    




cra solutions 

Senior Housing Crime Prevention Program
The mission of the Senior Housing Crime Prevention Foundation is to provide safe and secure living environments for our nation’s senior housing residents, HUD communities and Veterans homes through the administration of the nationally-acclaimed Senior Crimestoppers program. Funded exclusively by the banking industry, the Foundation enables banks to earn Community Reinvestment Act credit through the sponsorship of the Senior Crimestoppers program in low and moderate income senior housing facilities in each bank’s CRA assessment area. Funding for the Senior Crimestoppers program is provided in the form of community development loans, CRA-qualified investments, and recently, in the form of CRA-qualified grants.

The Foundation’s process for funding traditional loans and investments has not changed but in response to requests from the banking industry, the Foundation has developed a new grant funding option that allows banks of all sizes and charter types to provide the nationally-acclaimed Senior Crimestoppers program with less of a financial commitment for a shorter term. By becoming a partner in the Foundation through any of the available funding options, a bank can fund the Senior Crimestoppers program, earn valuable CRA credit, and gain positive public relations in its community for protecting vulnerable senior housing residents. Senior Crimestoppers is a multi-faceted program that protects the elderly from theft, abuse and financial exploitation, and is administered by the Foundation who is endorsed by the ICBA, the ABA, and bankers associations in 38 states.

For more information please contact us at 1-877-232-0859 and visit



Ranked among the Top 10 Strongest Banks in the Nation by Forbes Magazine for the past two years,  UMB Financial Corporation (NASDAQ: UMBF) is a financial services holding company headquartered in Kansas City, Mo, offering Investment & Correspondent Banking Services to nearly 1,000 institutions across the United States. UMB Correspondent Banking offers a wide range of products and services to include:  Investments, Safekeeping, Asset-Liability Management, Health Savings Accounts, Image Cash Letter and International Services.

As one of the leading credit card issuers with nearly 40 years of experience with correspondent credit cards, UMB can provide your retail and institutional customers access to a wide range of card products. They currently provide bankcard services for more than 300 financial institutions.

Partner with UMB today to explore opportunities to reduce regulatory pressure, lower business costs, and increase your non-interest income. Please contact us toll free at 800-443-5962 or email


Data and analytical tools

If you thought SNL serves only larger financial institutions, think again. SNL Financial provides up-to-the-minute news and detailed analysis of budding trends in banking and the competitive landscape for smaller depository institutions as well. SNL enables community banks to evaluate balance sheets relative to peers, optimize their branch footprint and marketing strategy, assess potential acquisitions, manage shareholder expectations and ultimately grow their business. Contact SNL to learn more about their robust suite of tools for community banks.

Contact Information
Julie Jones



Equias Alliance delivers nonqualified benefit and BOLI portfolio services to banks across the United States via its team of consultants and technical support personnel. With some of the most experienced consultants in the industry located in 11 regional offices, Equias Alliance offers a near-seamless approach from design to implementation. Their team has helped more than 700 banking organizations recruit, retain, and reward executives, directors and employees critical to each bank’s success. For more information, please contact Jim Olson at or 804-784-7216.

Securities offered though ProEquities, Inc., a Registered Broker/Dealer, and member FINRA and SIPC. Equias Alliance LLC is independent of ProEquities, Inc. 


WolfPAC Integrated Risk Management® (WolfPAC) is a secure, web-based Enterprise Risk Management solution with over 20 application tools used to automate the identification of risks, threats, and control gaps.  The Vendor Management Module provides institutions with a one stop solution suite to manage third party relations beginning with due diligence and ending with robust monitoring program.  The Business Continuity Solution suite helps institutions create and manage a disaster recovery and business continuity plan that is aligned and linked with impact analysis and risk assessment of locations, business functions, technologies, and non-technology vendors.  In addition, the WolfPAC suite includes a comprehensive risk assessment platform that allows institutions to embrace and adopt an Enterprise Risk Management program.  Quarterly methodology updates are designed to align with changing business environments and emerging compliance and examination standards.  A robust suite of reports allows management to analyze their control gaps and benchmark risk profiles against peers. WolfPAC keeps institutions safe and sound, and maximizes the outcome of strategic objectives. 

Contact Information
Dan Daly

For more information, please visit        







Thumbprint Signature Program
Lower your bank's check fraud by participating in VBA's Thumbprint Signature Program. The Thumbprint Signature Program offers an easy inexpensive way to deter check fraud without inconveniencing customers.   Order Form   

Uveritech Counterfeit Detection Scanner 
VBA Management Services is pleased to offer a new product that will assist in protecting your bank and your merchants from counterfeit fraud. The Uveritech teller-helper Counterfeit Detection Scanner is a simple device that instantly and discretely verifies currency, credit cards, driver's licenses and other important documents.  Order Form 

Funding & Capital Sources

ANOVA Financial Corporation
ANOVA provides banks and depositors high yielding liquid investment alternatives that are FDIC Insured up to $10 million by depositing funds into “well capitalized” banks that are seeking wholesale and reciprocal deposits. ANOVA’s public funds program frees up your collateral commitments on public funds deposits up to $10 million and our wholesale funding is a cost effective alternative that requires no collateral and has no credit limits.

Plexus Capital, LLC
With offices in Charlotte and Raleigh, North Carolina, Plexus Capital provides growth capital to middle market companies through investments in debt and equity securities.  Plexus operates as a licensed Small Business investment Company (SBIC) with approximately $255 million under management across two funds. Plexus looks to invest between $4 million and $15 million of mezzanine debt in high growth businesses producing revenues of $15 million to $100 million in a subordinated position to the existing senior lender. The 5 founding partners of Plexus have been active in the middle market for an average of 22 years by investing in companies needing capital for growth, acquisitions, recapitalizations and transfers of ownership. 

For more information, please visit or contact Robert Gefaell ( at (704) 927-6247 or Mike Becker ( at (919) 256-6342.


VBA Identity Theft Program 
The VBA Identity Theft Program can improve identity security for your organization and your accountholders. Our partner, NXG Strategies, specifically designed this program to increase identity security in your organization – benefits include proactive fraud and security breach monitoring for your institution and breach response planning for all consumer accounts, as well as fully managed identity theft research and recovery services for your consumer accountholders and employees.

Join the program and make it a success with your bank:
• Red Flag and data breach mitigation
• Professional identity theft and risk research and recovery services for your accountholders
(Personal Advocate assigned to do the legwork)
• Support from NXG Strategies – including education, marketing assistance and a customized website to access reports, education, tips, etc.
• Additional choices of leading-edge identity theft detection and recovery tools – credit monitoring, internet monitoring, expense reimbursement, and more


ABA Insurance Services
Endorsed by the VBA, this bank-owned and banker directed program covers banks across the country with D&O, Bond and related insurance from an A.M. Best A+ rated carrier. Recognized for underwriting and claims handling expertise, the insurance program dates back twenty-five years. For the 23rd consecutive year, a distribution has been declared, totaling $77.9 Million to date. For more information, visit, or contact Patricia Williams at 1-800-274-5222 or

Bankers Insurance, LLC  
Bankers Insurance, LLC is a full-service, independent insurance agency headquartered in Richmond, VA with 11 other offices located throughout the Commonwealth of Virginia and one in Asheville, North Carolina.  Through partnerships with many of the major insurance carriers, Bankers Insurance is able to offer complete insurance packages, whether commercial, employee benefits, personal or individual life and health, at competitive prices.  Bankers Insurance specializes in many niche markets, among them are bank or financial institutions, energy dealers, equipment dealers, medical malpractice and lawyers' professional liability. 

Based in Chapel Hill, North Carolina, Investors Title Insurance Company (ITIC) underwrites land title insurance for owners and mortgagees through agencies and branch offices. ITIC is the lead insurance company of its holding company, Investors Title Company, which is publicly held and traded on NASDAQ under the ticker symbol "ITIC." Investors Title is a growth company with superior financial stability and ability to pay claims.  




For 38 years Investors Title has been partnering with financial institutions to establish lender owned title insurance agencies. Our experience in working with over 500 financial institutions has enabled us to provide unparalleled agency support, resulting in a very profitable fee income opportunity for the owner banks. Our goal is to assist financial institutions of all sizes to successfully engage in the distribution of title insurance. 


ZurichZurich in North America (“Zurich”) insures thousands of financial institutions in the United States and has been delivering insurance solutions for 100 years.  Zurich, a leader in financial institutions insurance, has the products to provide coverage for the risks associated with: 

  • Repossessed properties, including environmental protection 
  • Losses from mortgage operations 
  • Allegations of mismanagement against directors and officers 
  • Security and privacy of customer data 
  • Fleet and auto liability 
  • Property, Liability and more… 

Zurich’s financial institution products, services and dedicated team expertise can help your lending institution prosper in a more regulated, competitive and risk-filled world.  

Zurich North America – Financial Institutions
5209 Fairvista Drive
Charlotte, NC 28269
Phone: (704) 516-7442

Contact: Mr. Mark Alan DeLawter





Investment services

Virginia Community Development Corporation
As a catalyst organization, the Virginia Community Development Corporation (VCDC) creates opportunities for investor and project sponsor partners to revitalize communities through affordable housing and community development. VCDC is a 501(c)3 Certified non-profit organization that takes a leadership role in providing the experience, services and coordination necessary to make this innovative approach to investing work. Since 1990, they have successfully launched 14 tax-credit equity funds and we have assisted in the development of nearly 100 properties throughout Virginia with technical assistance and equity investments. By balancing the interests of our partners, VCDC delivers an above-market rate of return on investment as well as worthwhile affordable housing and historic renovation projects—resulting in changed lives and thriving communities. For more information please visit or contact Arild Trent, Investor Relations Director, at or 804-343-1200, extension 116. 


Merchant Card Processing is specifically designed for banks that currently have merchant credit card and debit card processing and to offer a turnkey program for those banks interested in entering this field. 


Under the nationally-negotiated contract with Xerox, VBA members are eligible to receive Preferred Level major account pricing when purchasing or leasing Xerox products designed to increase your productivity and save you money.

If your bank is looking for professional quality outputs—fast, easy, and affordable—Xerox benchmark digital copiers/printers will enable you to produce high-quality, high-impact, professional documents. Plus, software like Xerox® ConnectKey™ can help your bank control in-office print costs, leverage mobile printing capabilities and best of all, keep the confidential information you print secure. What’s more, Managed Print Services can increase productivity and give you the tools you need to gain control over your printing costs. Xerox offers the widest array of document-related business services and solutions at prices you can afford.

Click here for more information.

Online job postings
The Virginia Bankers Career Center can help you to streamline your hiring process by providing:

• Incredible exposure for job listings
• Economical pricing
• Easy online management

Join the only online career center exclusively dedicated to bank jobs in Virginia. Please contact Suzie Allen for more information at or 804-819-4706.



UPS offers a discount to all VBA members on Next Day Letters, Packs and Packages. UPS also offers discounts on Second Day Air AM Letters, Package and as well as Worldwide Express Letters, Documents, and Packages. Current users will need to re-enroll to receive the benefits from this program. 


Office Depot
Office Depot, founded in 1986, is the world's leading seller of office supplies and an industry leader in every distribution channel - from retail stores and contract delivery to catalogs and e-commerce.

As an Office Depot customer you will have access to Office Depot's exclusive Business Services Division website, strategic brand name partnerships, multi-billion dollar buying power, and ease in economizing your bank's operations.  Enjoy customer service from Office Depot that is unmatched in the industry.

VBA Member Employee Discount Program Registration:

Members interested in participating in this program can now sign-up online at

Program Highlights
• Up to 80% off Manufacturers Suggested List Price.
• A core list of 175+ frequently ordered, deeply discounted products featuring many high use commodity items.
• Your own customized list of an additional 75 items using the same steeply discounted pricing matrix as the core list. This additional 75 list is where a banker would want to include items that are specific to their organization, such as toner and ink jet cartridges.
• For miscellaneous items outside the core and custom tailored list you can choose any other product in the Business Services Division full line catalog at 10% off retail published prices (excludes technology products).
• Free, next-day delivery by Office Depot truck or UPS, depending on your location.
• Access to the award winning Business Services Division website for placement of orders, online catalog, stock availability, order history, product returns, and usage reports.
• The support of a local account manager who is responsible for total account management customer satisfaction.
• In addition to office supplies you'll also receive discounts on office furniture, print/copy services, custom business forms, stationery supplies, promotional products, lunchroom and janitorial provisions.
• Discount program for member employees.
• The Office Depot team will provide you with on-going creative and innovative procurement solutions by identifying preferred product and process improvement opportunities.

Contact Information:
Louise Shin
Manager, Territory Development II
(804) 651-3276 

Retail and Design/Build Services

PWCampbell is a design/build firm that offers a full range of services including strategic facility planning, market demographic research, retail branding, merchandising, site selection, space planning, green (LEED) building design, architecture and engineering, construction management, and total furniture coordination. For over 100 years, PWCampbell has been serving the banking industry in the mid-Atlantic region with quality design and construction. The benefits of working with PWCampbell have been enjoyed by numerous Virginia banks and extend well beyond facility planning. PWCampbell has increased their Virginia bank clients’ profitability and market share, and enhanced their operational efficiencies through their many services and the banking experts employed by PWCampbell.

Retail investment and insurance services

Infinex Financial Group
Infinex Financial Group is a leading provider of investment and insurance services for community  banks.  Infinex was formed by state banking associations and community banks, is owned by community banks and operated for the benefit of the participating banks.  The VBA's partnership with Infinex provides a successful working template to bring the worlds of banking, investments and insurance together while avoiding a competitive environment in which banks find themselves competing against their primary business partners.

Whether you are a self directed brokerage program or full service brokerage, insurance and financial planning services, our customized, turnkey program can ensure a successful, profitable business line is in place. 

For additional information, contact Lee A. Sauvain at 804-325-4800, or