To open an account online, have your mobile phone nearby, access to your personal email and:

• Be at least 18 years old
• Reside in VA, MD, NC or DC
• Have a Social Security number
• Have a government-issued ID

You may do so either by visiting a local branch or by calling our Customer Care Center at 800.990.4828.

You can update your information in Online or Mobile Banking, by visiting a local branch or by calling our Customer Care Center at 800.990.4828.

You can close an account by visiting a local branch or calling our Customer Care Center at 800.990.4828.

Simply conduct a transaction such as making a deposit, withdrawal, transfer or using your debit or ATM card within every two-year period.

We’ll mail you a pre-dormant notification letter 30 calendar days prior to your account going into a dormant status detailing actions you can take to keep your account active, such as conducting a transaction on your account or scheduling an appointment with a Banker.

Atlantic Union Bank will mail you an additional letter called a dormant account notice. This notice informs you that your account is now in a dormant status and provides steps you’ll need to take to reactivate your account.

Once an account is considered dormant, and if there is no further activity generated by the account holder after a period of time that is determined by your state, the account will be considered abandoned. Abandoned bank accounts escheat to the state after five (5) years in Virginia and North Carolina and three (3) years in Maryland and Washington, DC. This means that we will be required to turn over your account to the state, and the state will become the custodian of that property.

At that time, we will mail a due diligence letter to accounts with a value of $100 or more for Virginia and Maryland and $50 or more for Washington, DC and North Carolina. The letter not only makes you aware of the impending transfer but also lets you know the steps you need to take to claim your property prior to that occurring.

Atlantic Union Bank offers a range of personal and business banking products, including checking and savings accounts, money market accounts, certificates of deposit (CDs), credit cards, lending solutions, home loans, home equity lines of credit, insurance solutions and wealth management services.

Requirements vary by account. Please refer to your account disclosure for more details.

An overdraft happens when there are not enough available funds in your account to cover a transaction.

Overdraft Services are options that help manage transactions when there are insufficient funds in your account.

Atlantic Union Bank offers many options for Overdraft Services and allows you to determine how you want them managed. Learn more about Overdraft Services.

For Businesses, learn more about Business Overdraft Services.

If your account has a negative balance, you’re expected to make a deposit as soon as possible to bring the balance back to at least zero.

Limits may apply depending on the account type and transaction method. For example, mobile check deposits, ACH transfers and ATM withdrawals may have daily or monthly limits. Also, transfers from a savings account are subject to the excessive transaction activity fee as disclosed in our truth-in-savings disclosures.

Customers using Zelle have a single transaction maximum of $1,000, a daily send maximum of $1,000 and a monthly send maximum of $3,000.

You can easily transfer money between accounts through Online and Mobile Banking or by visiting a local branch.

You can send money to another bank using ACH transfers, wire transfers or Zelle®.

Transfer limits and cut off times vary by transaction type and account.

Funds availability depends on the type of deposit and when it’s made. Some deposits, such as direct deposits, may be available immediately while others may take longer.

You can order checks through Online Banking or by contacting our Customer Care Center at 800.990.4828.

Atlantic Union Bank may place holds on certain deposits to verify funds. Hold times vary based on deposit type and history.

Sign the back of the check and, if it is a mobile check deposit, also write “For Mobile Check Deposit Only.”

Mailing addresses vary by product. Please refer to your statement or contact us at 800.990.4828 for the correct address.

Your account’s Current Balance is the amount in your account after all transactions, credits and debits have been posted to your account at the end of each business day. It does not change throughout the day.

Your account’s Available Balance is the portion of your account balance that is available for you to use immediately. This balance will reflect any processed and pending transactions on your account, such as when you used your debit card to make a purchase or withdraw money from the ATM, and any holds that Atlantic Union Bank may place on your account. It can change throughout any given day based on the transactions you make.

A pending transaction is a transaction that has not been posted to your account but is reflected in your available balance. A debit card purchase may be pending until the merchant sends in the final transaction for payment. Remember, in situations where you include a tip (such as restaurants) or estimated authorization amount (such as gas stations and hotels), the final transaction amount submitted by the merchant may differ from the original pending transaction amount.

Generally, check deposits received by the cut-off time on business days will be available the next business day. But in some circumstances, Atlantic Union Bank will place holds on deposits which will delay when those funds will be available to you. There are several factors that contribute to a hold decision, including a review of your account history and the amount of the item presented. If we do place a hold on your deposit, you will be notified of the dates the funds will be available for payment or withdrawal. You will also be able to see any holds placed and check your available balance in Online and Mobile Banking, or by calling Customer Care at 800.990.4828. Please review our Consumer Deposit Account Agreement and Business Deposit Account Agreement for more information.

Yes, Atlantic Union Bank offers Free Checking that features no monthly maintenance fees and no minimum balance requirement.

Visit Atlantic Union Bank's rate page to see all our rates.

Visit Atlantic Union Bank's rate page to see all our rates.

Interest rates for deposit accounts and loans vary by product. Current deposit rates are available on our website.

Fees vary by account type and may include monthly maintenance fees, overdraft fees and transaction-related fees. Please refer to your deposit account disclosure and our fee schedule for details.

Many accounts allow you to avoid monthly fees by meeting certain requirements, such as maintaining a minimum balance, receiving qualifying direct deposits or linking eligible accounts. Requirements vary by account.

Yes, Atlantic Union Bank offers several products with students in mind, including PRISM Checking, PRISM Savings, Visa Signature College Real Rewards Credit Card and Greenlight.

Atlantic Union Bank's routing number is 051403164.

Atlantic Union Bank offers accessibility features in our digital services and accommodations at our branches.

Yes, Atlantic Union Bank currently offers Spanish support by calling our Customer Care Center at 800.990.4828.

You can request alternative formats by contacting our Customer Care Center at 800.990.4828 or visiting a local branch.

You can find our branch locations, ATM locations and current hours using the Locations & ATMs tool on the Atlantic Union Bank website.

Our Customer Care Center is open Monday-Friday, 7am–8pm and Saturday, 7am–5pm. You can reach them by calling 800.990.4828. You can also reach our Live Chat by logging into Online Banking.

Please reach out to your local branch directly for this information.

Yes. Some personal checking and savings accounts can be opened online or through a scheduled video appointment.
Account owners must be 18 or older and be able to provide their name, address, date of birth, a valid U.S. Taxpayer Identification Number and a government-issued photo ID. Specific requirements depend on the account type.

You can monitor your account balance and transactions through Online Banking and the Mobile Banking app. Atlantic Union Bank also offers alerts and push notifications to help you stay informed.

You can set up balance, transaction and security alerts through Online Banking and the Mobile Banking app.

You can enroll in Online or Mobile Banking by visiting our website and selecting “Enroll Your Personal Account” from the login dropdown in the top right of the screen and following the on screen instructions. Businesses can enroll in Online and Mobile Banking by visiting a local branch.

Online Banking and the Mobile Banking app give you convenient, secure access to manage your accounts anytime, anywhere. You can:

• View account balances and transaction history
• Transfer money between your accounts
• Pay bills and set up recurring payments
• Deposit checks using mobile check deposit in the Mobile Banking app
• Send and receive money with Zelle®
• Set up account alerts and notifications
• Manage debit and credit cards
• Update account preferences and contact information
• Check your credit score for free with Savvy Money.
• Enroll in Greenlight, the free debit card and money app for kids of all ages. 
• Create new savings goals or support charities that are near and dear.

If you need help with tasks not available online, our Customer Care Center at 800.990.4828 and local branches are always available to assist.

You can reset your password by selecting the “Forgot password?” option on the Mobile Banking app login screen or AtlanticUnionBank.com and completing the verification steps.

Mobile check deposits allow you to deposit checks using the Mobile Banking app. Deposit limits and daily cut off times apply and may vary by account.

If you’re locked out, select “Forgot Login ID” and follow the prompts to reset your credentials or contact our Customer Care Center at 800.990.4828 for assistance.

Yes. In Online and Mobile Banking you will find the tools to not only monitor your credit score, but to also keep track of your financial footprint.

Online Bill Pay allows you to pay bills electronically, one-time or on a recurring basis, through Online Banking. Most standard bill payments do not have a fee.

You can schedule recurring payments within the Bill Pay feature through Online Banking or the Mobile Banking app.

Yes. You can enroll in Zelle^® through Online Banking or the Mobile Banking app by following the enrollment prompts.

You can locate fee free ATMs using the Locations & ATMs tool on our website.

Consumer debit cards are activated by calling 1.866.633.5293. This number will also be on the sticker affixed to your card. Business debit cards are activated at an AUB ATM. You’ll need the PIN and the card to activate.

Contact the issuer immediately at 800.344.5696 so the card can be blocked and a new one issued.

You can change your PIN by visiting a local branch, an AUB ATM or by calling our Customer Care Center at 800.990.4828.

You can dispute a transaction by contacting our Customer Care Center at 800.990.4828 or by visiting a local branch.

Yes. Eligible debit and credit cards can be added to supported digital wallets by following the wallet provider’s instructions.

Access your account through Online Banking or the Mobile Banking app to dispute a transaction, or call 800.344.5696.

Protecting your personal information is important to us. Atlantic Union Bank uses security measures required by federal law to help guard against unauthorized access and use, including safeguards for our computer systems, secure storage and controlled access to our facilities. Our employees are required to adhere to internal policies and standards designed to protect your information and ensure they are handled responsibly. We also encourage customers to follow recommended security practices.

If you suspect fraud or notice unauthorized activity, contact us immediately through our Customer Care Center at 800.990.4828.

Atlantic Union Bank provides guidance on how to identify and report phishing, smishing and quishing attempts through our Security & Fraud resources.

Best practices include regularly monitoring your accounts, using account alerts, protecting your login credentials and staying aware of common fraud tactics.

Atlantic Union Bank explains how we collect, share and protect your personal information in our Consumer Privacy Notice and Online Privacy Notice, available on our website.

A mortgage is a loan used to buy a home or refinance an existing property. You borrow money and agree to repay it over time.

Atlantic Union Bank offers a range including fixed-rate mortgages, FHA loans, VA loans, jumbo loans and refinancing options. Each has unique benefits depending on your goals and financial situation. There are also state and local housing finance agency programs for which you may qualify. Please ask a loan officer for more information.

Consider factors like how long you plan to live in the home, current interest rates, your credit profile and monthly budget. Our mortgage specialists can help you compare options and find the best fit.

Our expert mortgage specialists will walk you through the process, but normally it requires proof of income, credit history, tax returns and other details about your assets and debts.

Approval times vary, but many applications are processed within a few days. Pre-qualification can make the process even faster.

Pre-qualification is a preliminary estimate of how much you may borrow based on basic financial information. Pre-approval involves a deeper review of your finances and provides a conditional commitment, as well as peace of mind, from the bank. This can allow you to compete with cash buyers in a tight real estate market.

Down payments typically range from 0%–20% of the home’s purchase price, depending on the loan program. There are loan options with low or no down payment requirements as well as assistance programs. To find applicable programs, please use our Down Payment Resource.

Closing costs cover fees for services like appraisals, title searches and legal documentation. They generally total 2%–5% of your loan amount. There are programs available designed to help homebuyers cover some or all of their closing costs. Our STAR (Steps Toward Achieving Results) Affordable Lending Program and Closing the Gap Loan are designed to make owning a home an affordable reality, as are a variety of state and local grant programs. For more information and to see if you qualify, please reach out to a mortgage lending expert.

Yes, Atlantic Union Bank offers first-time homebuyer programs, down payment assistance and government-backed options to make purchasing a home more accessible.

A HELOC is a variable rate revolving line of credit that allows you to borrow against the equity in your home. It works much like a credit card so you can draw funds as needed during the draw period and repay over time.

A fixed-rate advance allows the borrower to select a fixed-rate term and payment for a new advance or for any outstanding advances taken previously. Available terms include 5, 10, 15 and 20 years. This option provides more stability. For example, a $20,000 advance with a term of 15 years at 8.00% would have a payment of $95.57 each month. For more information, please stop by a local branch as these must be set up in one of our branches.

To open a Home Equity Line of Credit, borrowers can apply online or schedule an appointment to come into a branch to submit their application. Our HELOC offers the ability to lock in all or a portion of the outstanding balance into a fixed term. To take advantage of a fixed-rate HELOC advance, please talk to a banker.

With AUB's Home Equity Line of Credit, you have the best of both worlds! The main line is a variable rate with interest only payments. At any time, you can take all or a portion of the outstanding balance and lock into a fixed rate. This combination gives ultimate flexibility for any funding need and interest rate environment. Fixed rates must be set up in one of our branches.

If you need money now, you may be eligible for an Access Now loan that allows you to borrow against the approved credit limit without waiting for full approval and is paid off when you receive your HELOC funds.

Please visit our HELOC webpage to see our rates.

Wealth management is a comprehensive financial service that helps you grow, protect and transfer your assets through investment management, financial planning, liquidity and credit management, tax strategies and estate planning.

Yes. Wealth advisors commonly coordinate with your tax and legal professionals to help align investment, tax and estate strategies with your broader financial plan.

It may be a good fit if you have multiple financial goals, complex assets or accounts, business or equity compensation or want ongoing guidance rather than managing everything on your own.

Advisors consider your goals, time horizon, income sources, risk tolerance, tax situation and family needs, then design and adjust strategies as your life and markets change.

Wealth banking is a personalized banking and lending service designed for clients with higher income or net worth, offering tailored solutions, dedicated support and enhanced convenience.

Wealth banking typically offers a dedicated banker, custom credit and deposit solutions, higher transaction and deposit limits and access to specialized services not available in standard accounts.

Wealth banking includes tailored deposit accounts, customized credit lines and mortgages, cash-management solutions and coordination with wealth, trust and lending specialists.

You retain digital and branch access but gain a single point of contact, priority service channels and more proactive outreach around opportunities or issues.

Atlantic Union Bank Wealth Management's investment philosophy is built on broad diversification and strategic asset allocation tailored to each client’s unique objectives. Portfolios are managed by an experienced portfolio manager, dedicated to aligning your investments with your specific financial goals.

We maintain strict objectivity by avoiding proprietary products. By utilizing a transparent mix of individual stocks, bonds and low-cost ETFs and mutual funds, we prioritize minimizing expenses while maximizing the quality of your portfolio construction.

Atlantic Union Bank charges one transparent fee for investment management/fiduciary services that is competitive within the marketplace.

Atlantic Union Bank can serve as Trustee or Co-Trustee for most types of trusts. We also can serve as Successor Trustee and step into the role of Trustee after the death of a current Trustee. Atlantic Union Bank also settles estates and postmortem trust administration for clients that have died and need a fiduciary to settle their affairs.

Yes, Atlantic Union Bank is. A fiduciary must first consider the needs, goals and wishes of the client above all else.

Atlantic Union Bank offers personal loans and lines of credit, vehicle loans, overdraft lines of credit, home loans and home equity lines of credit.

Yes, Atlantic Union Bank offers multiple types of credit cards to meet your needs.

Depending on the product, you can apply online, by phone or at a local branch.

You will typically be provided with status checks along the way, but you can always check the status in the same way that you applied.

At the time of application, you can request payments to be applied from any AUB checking, savings or money market account. This may even qualify you for a discount on your loan.

For personal and home loans, there are no pre-payment penalties.

As part of the application process, you will need to provide personal contact information, employment information, loan request information (purpose, term, amount) and additional documentation such as identification, recent pay stubs or tax returns. Additional documentation may be required depending on individual circumstances.

Payments are typically required monthly.

Atlantic Union Bank offers business checking accounts, business savings, business CDs, financing options, treasury management and merchant services.

In addition to the deposit itself, you'll need business formation documents, a tax ID number and identification for authorized signers.

Yes. Atlantic Union Bank offers merchant services, payroll solutions and treasury management tools for businesses.

You can request checks, debit cards and user access through your business banker, relationship manager or Customer Care Center at 800.990.4828.

Authorized administrators can manage user permissions through Online Banking.

Yes, Atlantic Union Bank offers Flex Business Checking, Flex Business Checking Plus, Nonprofit Interest Checking, IOLTA Checking and Analyzed Business Checking.

Yes. Remote Deposit Capture is a quick, easy and secure way to deposit checks. It eliminates trips to the bank and paper handling errors.

To submit a Loan Payoff Request, please send a fax to 800.430.3914 and any request must include the customer’s signed authorization. Expected turnaround for a loan payoff request is three business days.

To release a Lien or research a Title, please fax a full title search along with a copy of the Deed of Trust to 800.783.4503. Upon receipt, our Real Estate Collateral team will review the information and complete the request. Be sure to include your contact information if the team has any questions.

All subordination requests should be directed to a local Atlantic Union Bank branch or our Customer Care Center at 800.990.4828.

Below is a list of the required documents that are needed for a subordination request.

• Copy of the commitment letter showing the new loan amount.
• Copy of the appraisal or other information used to determine the property value to confirm LTV is still acceptable.
• Copy of the title work to determine the lien position Atlantic Union Bank will be in following subordination.
• Copy of new lender’s application (if possible to ensure the applicant will still qualify).
• Proof of Income
• Subordination fee - check made payable to Atlantic Union Bank for $150.

Once those documents are received, a loan officer will start the process. If there are any questions or more information is needed, a loan officer will reach out using the contact information provided. For updates on a Subordination Request, please call our Customer Care Center at 800.990.4828.

If you need additional help, you can contact our Customer Care Center at 800.990.4828, schedule an appointment or visit a local branch.

For more information on our culture and new opportunities, please visit www.atlanticunionbank.com/about/careers.

Atlantic Union Bank’s ownership interest in Bearing Insurance Group, LLC gives you access to competitive rates and comprehensive coverage. Bearing Insurance is one of the Mid-Atlantic’s largest independent agencies and offers a wide range of policies.

Our Commercial Banking team supports a wide range of industries including, but not limited to, Asset-Based Lending, Capital Markets, Community Association & Property Management Banking, Equipment Financing, Government Contractors, Government Vehicles & Equipment, Healthcare Services, Manufacturing & Distribution, Nonprofits, Professional & Support Services, Real Estate & Construction, SBA Lending and Specialty Vehicle Financing.