Preferred Checking

It's the concierge level for your checking account.
Apply Now View Rates

The preferred way to bank. You could get a $600 cash bonus* when you open a Preferred Checking account. Offer ends 8/31.

Tiered interest paid monthly
Free Online & Mobile Banking
Unlimited non-Atlantic Union Bank, surcharge-free ATM withdrawals

This account's benefits take your checking to a higher level.

If you want to experience our highest level of checking, Atlantic Union Bank's Preferred Banking Checking account sets the bar. Get access to exclusive discounts and maximize your money with higher rates paid on higher balances.

  • Unlimited free non-Atlantic Union Bank ATM withdrawals (including fees charged by other banks)
  • Add any image you'd like to your debit card with Design Mine™
  • Access to thousands of ATMs nationwide through the SUM® ATM Network
  • Free personal checks for life, any available style
  • Bank on your time with Online Banking, and Mobile Banking
  • Use Apple Pay®, Google PayTM or Samsung Pay® for quicker payments
  • 0.35% discount on new loans when you use an automatic payment from your account*
  • Complimentary Estate Planning and Financial Planning services
  • Free identity theft resolution services
  • No Overdraft Protection transfer fees
  • Free 3 x 5 safe deposit box (or 50% off any other size)
  • Qualifies for Loyalty Savings, Money Market, CD and IRA accounts, where you can earn premium rates
  • Maintain a $25,000 minimum daily balance in this account or a $50,000 combined balance in personal Atlantic Union Bank deposit, installment loan and line of credit accounts to avoid a $25 monthly service charge
  • $25 to open
  • FDIC insured, up to the FDIC established limits

Free Identity Theft Resolution

Atlantic Union Bank automatically enrolls qualifying personal checking customers1 into an Identity Theft Resolution Service FREE of charge


*This is not a commitment to lend or extend credit. All loans, credit and collateral are subject to approval.

CyberScout® is a service provided by CyberScout, LLC ("CyberScout").

1Free ID Theft Resolution Services are available to Free Checking customers with a monthly direct deposit of $500 or greater, or any other Atlantic Union Bank personal checking account.

*$600 Bonus- In order to qualify for the $600 cash bonus, you must (1) Open a new  personal Preferred Checking account by August 31, 2020, AND (2) Maintain the account for a minimum of 180 days, AND (3) Establish a recurring qualified direct deposit with combined deposits totaling $30,000 or more within 180 days of account opening. 

A “qualified direct deposit” is a direct deposit of a paycheck, pension, Social Security or other eligible regular monthly income, electronically deposited by an employer or an outside agency into your new checking account.  Cash bonus is only available to new-to-Atlantic Union Bank checking customers who have not had a personal checking account with us within the last 12 months. Limit one cash bonus offer per new customer. Bonus may not be combined with any other offers.  Atlantic Union Bank reserves the right to alter the terms of the promotion or end it at any time.  All accounts are subject to approval. 

Cash Bonus Payment- Cash bonus will be credited to your new checking account in March 2021, no later than March 31, 2021 after all terms of offer are met. Your checking account must be open and in good standing to receive cash bonus award. Cash bonus value will be reported to IRS as taxable income.