Frequently Asked Questions

There may be some changes to your account. We’ve done our best to keep your experience very similar to what you have today. Details of your product changes are included in the Consumer Deposit Account Disclosure Guidebook and the Business Deposit Account Disclosure Guidebook. If you have a deposit account, you will receive a letter and Guidebook in the mail detailing the difference between your current Sandy Spring Bank account(s) and your new Atlantic Union Bank account(s). Your new account benefits and features are effective October 13, 2025.

In most cases, no. You may continue to use your account as you do today. If there is a change, you will be contacted directly.

No, you may continue to use your Sandy Spring Bank checks until you run out. Contact Atlantic Union Bank when you are ready to reorder.

You don’t need to do anything except verify them. Existing direct deposit and automatic drafts will continue as scheduled unless your account number changes. You will be notified directly if your account number is subject to change.

Yes, you will receive a final statement in the mail from Sandy Spring Bank.

Please see all overdraft service and fee information here: Personal or Business

In some cases, there will be account number changes. If your account number is changing, you will receive a separate correspondence with your old and new account numbers.

Yes, there will be no interruption to existing automatic payments.

Yes, you can continue to use your existing checks. You will receive a separate communication if you are issued new checks because your account number has changed.

Yes, you can expect to receive your loan statements around the same time each month.

Yes, after October 10, if not directed to do so sooner, please mail to:

Atlantic Union Bank Attn: Payment Processing
P.O. Box 71120
Charlotte, NC 28272-1120

For Online Bill Pay, please remember to update any automatic payments that are mailed to the bank to reflect this address.

Yes, you can expect to receive your loan statements around the same time each month.

The last day to log in to your Sandy Spring Bank Online Banking is October 10.

Log in to your Atlantic Union Bank Personal Online Banking account beginning Monday, October 13.

No, you will not need to re-enroll. Current Online Banking users will be able to use Atlantic Union Bank’s Online Banking beginning October 13. More information related to your first login will be sent closer to conversion in October.

Most usernames will remain the same. If your username must change, we will contact you via email and mail closer to the conversion in October.

Yes, your last 90 days will be available.

If you are enrolled in electronic statements, you will be able to view the last 12 months of your statements online with the exception of your September statement. This statement will be mailed to you.

To adjust your delivery preference, select "Statement Delivery Preferences" within the Service Center of your Online Banking. 

At conversion, you will not be able to access historical tax documents. If you need access to historical tax documents, please visit a branch.

Yes, most major establishments will be transferred over and available to pay. We encourage you to confirm that your payees are accurate when you first log in to Atlantic Union Bank's Online Banking.

There should be no disruption to your payments. We encourage you to confirm that your payees are accurate when you first log in to Atlantic Union Bank's Online Banking.

eBills will not transfer, so you will need to set up eBills along with any associated payment preferences.

Custom created alerts will not carry over and you will need to set them up again. We encourage you to review your alerts upon first login.

Yes, you'll need to download the Atlantic Union Bank mobile app. You can log in and begin using it starting October 13.

You'll be able to access Online Banking on October 13. Prior to this, please ensure your phone number and email contact information are current. This will help ensure a smooth log in experience.

From the web:

1. Go to AtlanticUnionBank.com
2. Click the LOGIN box and select “Online Banking.”
3. Enter your username and the password and click “Log In.” We will send you specific details about your username, if it needs to change, and your password as we get closer to welcoming you to Atlantic Union Bank.

In order to help facilitate your transition, we have experts available through phone and chat.

Reach out to the Atlantic Union Bank Customer Care Center beginning October 13, at 800.990.4828 Monday through Friday, 7am to 8pm ET, and Saturday, 7am to 5pm ET.

If you have logged into Online Banking, you may use the chat feature within Help and Support. 

There will be no changes to your account terms. Clients should expect to receive their loan statement around the same time.

In a few cases, there will be account number changes. If so, we will send the information you need about this account number modification.

No, we do not send year-end loan summary statements.

Starting October 10, please mail payments to:

Atlantic Union Bank
Attn: Payment Processing
P.O. Box 71120
Charlotte, NC 28272-1120

For Online Bill Pay, please remember to update any auto-payments that are mailed to the bank to reflect this address.

We will send you specific information about your login credentials as we get closer to welcoming you to Atlantic Union Bank.

Yes. Your last 90 days will be available.

Yes. All scheduled bill payments will be transferred. We encourage you to confirm that your payees are accurate when you first log in to Atlantic Union Bank's Online Banking.

Please update incoming wire instructions with the routing transit number for Atlantic Union Bank - 051403164. We will continue to accept wires using the Sandy Spring Bank routing transit number.

Incoming Foreign Wire Instructions

For incoming foreign wires, there is no immediate need to change your incoming foreign wire instructions, as your current incoming wire instructions will still work. However, we encourage you to update your incoming foreign wire instructions. Please follow this link for Atlantic Union Bank's wire instructions.

No changes are needed, but you will need to reconnect.

Yes. We offer Direct Connect and Web Connect for Atlantic Union Bank customers. Web Connect allows you to download your transactions directly from your bank’s website and import them into Quicken® or Quickbooks™.

Yes, you’ll need to download the Atlantic Union Bank mobile app.You can log in and begin using it starting October 13.

You’ll also need to download Symantec VIP if you use a soft token today.
Download iPhone® App
Download AndroidTM App

If you use a hard token, we’ll send you a new one.

Not at this time. You will continue to deposit remotely the same way; however, daily deposit limits have been established. Your Remote Deposit Capture services will be updated in the near future. You can expect to receive communication in advance of those changes.

If you are enrolled in electronic statements, you will be able to view the last 12 months of your statements online with the exception of your September statement. This statement will be mailed to you.

To adjust your delivery preference, select "Statement Delivery Preferences" within the Service Center of your Online Banking. 

Yes, you'll need to download the Atlantic Union Bank mobile app. You can log in and begin using it starting October 13.

Yes, most major establishments will be transferred over and available to pay. We encourage you to confirm that your payees are accurate when you first log in to Atlantic Union Bank's Online Banking.

Entering and approving ACH and Wire transactions will be different. Additionally, daily limits have been established to help protect your account. You can learn more by watching a short video titled “One-Time Commercial Payments”.

We invite you to watch a series of short Business Online Banking Demo Videos to help you and your company get familiar with Atlantic Union Bank’s Business Online Banking platform.