Account FAQs

Here are some frequently asked questions (with answers, of course) to help ease the transition of your account(s).

We don't want you to miss a beat while managing your accounts.

These answers help you transition to our new products.


If you have any questions about the transition, start here. This is the information you need related to support hours and details for your Atlantic Union Bank accounts. We're working to minimize, or avoid, any disruption to your normal routine.

What are the hours of operation for the Customer Care Center?
The Atlantic Union Bank Customer Care Center hours are Monday through Friday, 8:00 a.m. to 8:00 p.m. and Saturday, 9:00 a.m. to 5:00 p.m.

How do I set up my new Automated Telephone Banking?
Beginning, Monday, May 20, at 8 a.m., please call 800-990-4828 and follow the prompts. The first time you access Atlantic Union Telephone Banking, the system will prompt you to enter your tax identification number or social security number. You will be asked to set up a personal identification number (PIN) for future access to your account.

What other ways can I reach the bank for support?
We offer many ways to receive assistance besides calling us, including web self-service, live chat, social media servicing, or emailing us at Customer.Advocate@AtlanticUnionBank.com.

Will the bank have extended support hours for conversion?
In order to help facilitate your transition, the Atlantic Union Customer Care Center will offer 24-hour personal online banking assistance from Monday, May 20 through Friday, June 7.
 

Will there be changes to my account?
There may be some changes to the terms and conditions of your account. Your account was carefully reviewed and matched to the new account it most closely resembles. Please read the Deposit Account Products section of our Customer Account Guide and the Important Account Information book that you received in the mail. to learn more about the products that are changing.

Will my account number change?
Most will not change. However, in a few rare cases, there will be account number changes. If you are impacted, you will receive correspondence with your old and new account numbers. 

Do I need to order new checks?
Unless you are notified otherwise, your existing checks will continue to be processed. However, to ensure you have no problems with check acceptance, all customers will receive a starter set of checks with the new Atlantic Union Bank branding. 

Additionally, you’ll receive a 50% off coupon for your first order.  Orders can be placed online with Deluxe or by calling Deluxe at 877-838-5287. Do not order checks from the phone number or website listed in your current checkbook. Atlantic Union Bank uses a different check company who can ensure you have the right account and routing number, as well as the correct branding on your checks.

How will my transactions be posted?
ACH, ATM and debit card transactions will be posted in order of the date and time on which they occurred, if known, and before any checks written by you. Certain other non-check transactions such as service charges will be posted in order of dollar amount, from highest to lowest. Checks will be paid in order of check number. Please see the Important Account Information book that was mailed to you for details.

What do I need to do to ensure that my direct deposits and automatic drafts continue?
Your direct deposits and automatic drafts will continue to be processed as usual. After May 20, please notify each originator (e.g., your payroll department for direct deposits) of your new Atlantic Union Bank routing number (051403164) and account number. We will also send an automated notice of change to your ACH originators on your behalf. 

Will my current overdraft transfer or line of credit protection still be available?
If enrolled, you will continue to have overdraft protection. Please see the enclosed Important Account Information book for details.

Does Atlantic Union offer discretionary overdraft privilege?
We do offer discretionary overdraft privilege on all personal accounts. Please see the Important Account Information book that was mailed to you for more information.

Will I get a final statement from Access National Bank and Middleburg Bank?
Customers with checking, savings and/or money market accounts (except for Money Market IRAs) will receive a final, partial statement by mail after May 17 reflecting your transactions and posted interest through May 17. If you currently receive paperless statements, they will continue after May 17.
 

Can I continue to use my current debit card? 
Yes, your current debit card will continue to work. We’ll send you a new Atlantic Union Bank debit/ATM card later this year.

Can I continue to use CardValet?
Unfortunately, you will not be able to use CardValet after 2 p.m. on Friday, May 17. Please call our Customer Care Center at 800-990-4828 if you wish to turn off your debit card.

Will the daily purchase and withdrawal limits change?
Please refer to the Important Account Information book that was mailed to you for more information.

Will I still be able to use my current credit card?
Yes, you can continue to use your current credit card until you receive and activate your new Atlantic Union Bank credit card later this year.

Will my loan or line of credit account number change? 
Most account numbers will not change. However, in a few rare cases there will be account number changes. If impacted, you will receive a separate correspondence with your old and new account numbers.

Will my loan payment still be automatically deducted from my account?
If you have set up automatic payments or transfers, they will continue with no interruption.

Can I use my current HELOC and line of credit checks?
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.

Will I need to mail my loan or Home Equity payment to a different address?
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 automatic payments that are mailed to the bank to reflect this address.

Will I need to mail my residential mortgage payment to a new address?
No, you will continue to mail this payment to the same address.

Will I continue to receive my loan or line of credit statements at the same time each month?
Yes, you can expect to receive your loan statements around the same time.

What happens to my FDIC coverage? 
Atlantic Union Bank is a federally insured institution, meaning your deposits are insured up to certain limits determined by FDIC. Currently, the standard deposit insurance amount is $250,000 per depositor, per insured bank.  Any deposits you have at Middleburg or Access National Bank will be combined with any deposits you have at Atlantic Union Bank and will continue to be insured through FDIC coverage. This combined balance will determine coverage limits for FDIC insurance.  

Certificates of Deposit (CDs) opened at Access National Bank or Middleburg will be separately insured until the earliest maturity date and will be renewed to a product offered at Atlantic Union Bank.

Where can I get more information about FDIC insurance coverage?
The FDIC has a tool called EDIE (Electronic Deposit Insurance Estimator) that can assist you with calculating your FDIC coverage limits. Before you begin, identify all the deposit accounts that you have at Middleburg Bank, Access National Bank and Union Bank & Trust (soon to be Atlantic Union Bank). Then, follow the steps on EDIE to calculate your coverage. For additional information regarding FDIC insurance coverage, we encourage you to explore the FDIC website or call 877-ASK-FDIC (877-275-3342).
 

May 16


2 p.m.
While Access National and Middleburg debit cards are being transitioned, some customers may experience temporary limits to large purchases until Monday, May 20 at 8 a.m. Please plan accordingly.
 
5 p.m.
Access National and Middleburg branches will close.
 
Access National and Middleburg Customer Support will close.
 
AccessConnect® Online Banking will go into view-only mode.
 
Access National Bill Pay will no longer be available.

May 16


AccessConnect® Online Banking and Telephone Banking will not be available

May 19


8 a.m.
Atlantic Union Bank Online Banking will be available.
 
Atlantic Union Bank Personal Mobile App will be available.
 
Customers can access Atlantic Union Bank Telephone Banking and create new PINs.
 
Atlantic Union Bank Customer Care Center will be available to assist all customers.

Apr 28


Critical Client Verification Period begins. Please be sure to log in and verify your information.
 
ACH & Wire customers should download and activate the Atlantic Union Bank Business Authenticator mobile app.

May 15


Critical Client Verification Period ends at 5 p.m. (ET).

May 16

 
AccessConnect® Online Banking will be available until 5 p.m. (ET).

May 19


Atlantic Union Bank Business eBanking and Business Mobile App will be available at 8 a.m. (ET).

Atlantic Union Bank Customer Care and Treasury Services Support will be available at 8 a.m. (ET).