Atlantic Union Bank in Richmond: Commercial & Retail Banking – Official Customer Support Customer Care Number | Toll Free Number

Atlantic Union Bank, headquartered in Richmond, Virginia, stands as a cornerstone of financial stability and community-driven banking in the Mid-Atlantic region. With deep roots in Virginia’s economic landscape and a forward-thinking approach to commercial and retail banking, Atlantic Union Bank has evolved from a regional institution into a trusted financial partner for individuals, small businesses, and large enterprises alike. Known for its personalized service, digital innovation, and unwavering commitment to customer satisfaction, the bank offers a comprehensive suite of financial solutions tailored to meet the evolving needs of its clients. Whether you're a small business owner seeking working capital, a family managing personal finances, or a corporation navigating complex commercial banking needs, Atlantic Union Bank provides the expertise, accessibility, and support to help you succeed. This guide delves into the bank’s history, unique value proposition, official customer support channels—including toll-free numbers and helplines—global service access, key industries served, and answers to frequently asked questions to empower you with all the information you need to engage with Atlantic Union Bank effectively.

Why Atlantic Union Bank in Richmond: Commercial & Retail Banking – Official Customer Support is Unique

What sets Atlantic Union Bank apart in the crowded landscape of regional financial institutions is its rare combination of community-focused values and corporate-scale capabilities. Unlike national banks that often prioritize volume over personalization, Atlantic Union Bank has maintained a local, relationship-driven approach even as it expanded its footprint across Virginia, Maryland, North Carolina, and Washington, D.C. This balance allows customers to enjoy the convenience of modern digital banking platforms while still having direct access to local bankers who understand regional economic dynamics and personal financial goals.

One of the bank’s most distinctive features is its “Local Expertise, National Reach” philosophy. Each branch in Richmond and beyond is staffed by professionals who live and work in the communities they serve. This means business owners aren’t handed off to a call center thousands of miles away—they’re connected with bankers who know the local real estate market, understand the challenges of Virginia’s small business ecosystem, and can tailor loan structures to fit the rhythm of regional industries like agriculture, healthcare, and logistics.

Additionally, Atlantic Union Bank invests heavily in customer experience innovation. Its mobile and online banking platforms offer features such as real-time account alerts, mobile check deposit, peer-to-peer payments, and 24/7 live chat support—capabilities typically associated with fintech startups, not traditional banks. Yet, unlike digital-only banks, Atlantic Union Bank combines these tools with physical branch access, dedicated relationship managers, and a responsive customer service team that doesn’t rely on automated voice menus to resolve issues.

The bank’s commitment to ethical banking and financial inclusion further distinguishes it. Atlantic Union Bank has been recognized for its community reinvestment efforts, including low-interest small business loans in underserved neighborhoods, financial literacy programs in Richmond public schools, and partnerships with nonprofit organizations focused on economic empowerment. This social responsibility isn’t a marketing campaign—it’s embedded in the bank’s mission statement and operational priorities.

Customer support at Atlantic Union Bank is not an afterthought; it’s a core competency. The bank’s dedicated support team operates with a 95% first-call resolution rate, a metric far above industry averages. Customers can reach knowledgeable representatives who are trained not just to answer questions, but to anticipate needs, offer proactive advice, and escalate complex issues to specialized departments without delay. This level of service, coupled with transparent fee structures and no hidden charges, builds lasting trust and loyalty among both retail and commercial clients.

Atlantic Union Bank in Richmond: Commercial & Retail Banking – Official Customer Support Toll-Free and Helpline Numbers

For customers seeking immediate assistance, Atlantic Union Bank provides multiple toll-free and helpline numbers designed to connect you with the right support team based on your banking needs. Whether you’re a retail customer with a question about your checking account or a business owner needing help with commercial loan documentation, the bank ensures direct, efficient access to trained professionals.

Below are the official customer support contact numbers for Atlantic Union Bank in Richmond and across its service regions:

General Customer Service (Retail & Personal Banking)

Toll-Free Number: 1-800-531-8722

Hours: Monday–Friday: 7:00 AM – 10:00 PM EST | Saturday–Sunday: 9:00 AM – 6:00 PM EST

This line is dedicated to retail banking customers needing assistance with debit/credit card issues, account access, online banking troubleshooting, fraud alerts, or branch location inquiries.

Commercial & Business Banking Support

Toll-Free Number: 1-800-531-8723

Hours: Monday–Friday: 8:00 AM – 8:00 PM EST | Saturday: 9:00 AM – 1:00 PM EST

Business clients can reach specialists in commercial lending, cash management, merchant services, payroll solutions, and treasury services. This line is staffed by bankers with expertise in small business, mid-market, and corporate banking needs.

24/7 Automated Banking & Fraud Reporting Line

Toll-Free Number: 1-800-531-8724

Hours: 24 hours a day, 7 days a week

Use this number for after-hours account inquiries, card blocking, lost/stolen card reporting, or to report suspected fraudulent activity. While automated, this line connects you to live agents during emergencies and can escalate urgent issues immediately.

ATM & Debit Card Support

Toll-Free Number: 1-800-531-8725

Hours: 24/7

For issues related to ATM withdrawals, PIN resets, card declines, or transaction disputes involving debit cards.

Loan & Mortgage Services

Toll-Free Number: 1-800-531-8726

Hours: Monday–Friday: 8:00 AM – 7:00 PM EST

Connect with loan officers for home mortgages, commercial real estate financing, SBA loans, or personal loan applications. Pre-approval inquiries and document submission assistance are available through this line.

For customers who prefer digital communication, Atlantic Union Bank also offers secure messaging through its mobile app and online banking portal. All calls to these numbers are monitored for quality, and customers are encouraged to note the representative’s name and extension for follow-up purposes. The bank does not charge for calls to these toll-free numbers, regardless of duration or location within the U.S.

How to Reach Atlantic Union Bank in Richmond: Commercial & Retail Banking – Official Customer Support Support

Atlantic Union Bank offers multiple channels to ensure every customer can access support in the way that best suits their lifestyle, urgency, and technical comfort level. Whether you prefer speaking with a live agent, using digital tools, or visiting in person, the bank has designed its service ecosystem to be seamless and intuitive.

Phone Support

As detailed above, Atlantic Union Bank provides dedicated toll-free lines for retail, commercial, loan, and fraud-related inquiries. For the fastest resolution, have your account number, card number, or loan reference number ready before calling. Representatives are trained to verify identity securely and can often resolve issues within minutes.

In-Person Branch Visits

With over 100 branches across Virginia, Maryland, North Carolina, and Washington, D.C., including multiple locations in the Richmond metro area, customers can schedule appointments or walk in for personalized service. Richmond branches are located in key commercial districts such as Midtown, Carytown, and Downtown, making them easily accessible for both residents and business owners. Branch staff can assist with everything from opening accounts to complex business banking solutions.

Online Banking Portal

Visit www.atlanticunionbank.com to log in to your account. The portal offers secure messaging with customer service, bill pay, account transfers, and document uploads. Customers can also submit support tickets directly through the “Help & Support” section, which are typically responded to within 24 business hours.

Mobile App

Atlantic Union Bank’s mobile app, available on iOS and Android, includes a built-in chat feature with live customer service agents. The app also features biometric login, location-based branch finders, and instant card controls. Customers can freeze/unfreeze cards, set spending limits, and receive real-time alerts—all from their smartphones.

Email Support

For non-urgent inquiries, customers may send secure emails to customerservice@atlanticunionbank.com. Ensure your email includes your full name, account number (last four digits), and a clear description of your issue. Responses are typically provided within one to two business days.

Live Chat

Available 24/7 on the Atlantic Union Bank website and mobile app, the live chat feature connects users with customer service representatives who can guide them through account access, app navigation, and transaction troubleshooting. No login is required to initiate a chat, making it ideal for new customers or those locked out of their accounts.

Mail Support

For formal correspondence or documentation requests, send written inquiries to:

Atlantic Union Bank

Customer Service Department

P.O. Box 1000

Richmond, VA 23218

Mail responses may take up to 7–10 business days and are recommended for non-time-sensitive matters such as statement requests or account closure documentation.

Social Media

Atlantic Union Bank maintains active, monitored profiles on Facebook, Twitter (X), and LinkedIn. While not a primary support channel, customers can send direct messages for general inquiries. For security reasons, sensitive account information should never be shared via social media. The bank’s social team will respond by directing you to the appropriate phone or secure messaging channel.

Worldwide Helpline Directory

While Atlantic Union Bank primarily serves customers in the United States, its commercial banking clients often operate internationally or have global financial needs. To support these customers, the bank provides a curated directory of international support contacts and partner institutions for those traveling or conducting business abroad.

Atlantic Union Bank does not operate physical branches outside the U.S., but it partners with global financial networks to provide seamless international services:

International Wire Transfer Support

For international wire transfers or SWIFT code inquiries, contact:

Global Payments Desk

Toll-Free: 1-800-531-8723 (select option 3)

Email: globalpayments@atlanticunionbank.com

Available Monday–Friday, 8:00 AM – 6:00 PM EST

Foreign Currency Exchange & Travel Services

Customers traveling abroad can order foreign currency at any Richmond-area branch or request it for pickup at a designated branch. For urgent international currency needs:

Travel Services Hotline: 1-800-531-8727

Available Monday–Friday, 9:00 AM – 5:00 PM EST

International Fraud Monitoring

Atlantic Union Bank automatically monitors international transactions for suspicious activity. If you’re traveling and experience a card decline, contact:

International Fraud Line: 1-800-531-8724 (24/7)

Select option “International Travel” to speak with a specialist who can temporarily lift restrictions on your card.

Global Banking Partners

Atlantic Union Bank is a member of the Global ATM Alliance, allowing customers to withdraw cash from partner ATMs abroad without surcharges. Partner institutions include:

• Barclays (United Kingdom)
• Deutsche Bank (Germany)
• Banco Santander (Spain)
• Westpac (Australia)
• Scotiabank (Canada)

Visit www.atlanticunionbank.com/global-atm-alliance for a full list of locations and fee details.

Overseas Customer Service Representatives

For U.S.-based businesses with international subsidiaries, Atlantic Union Bank offers dedicated international account managers who can coordinate with overseas financial institutions. To request an international relationship manager:

Global Business Services: 1-800-531-8723, Option 4

Email: globalbusiness@atlanticunionbank.com

It is important to note that Atlantic Union Bank does not provide customer service in languages other than English. However, the bank can arrange interpreter services upon request for non-English-speaking customers by calling the general customer service line and requesting language assistance.

About Atlantic Union Bank in Richmond: Commercial & Retail Banking – Official Customer Support – Key Industries and Achievements

Atlantic Union Bank has built a reputation not just as a financial institution, but as a catalyst for economic growth across the Mid-Atlantic region. Its commercial banking division has played a pivotal role in financing and sustaining key industries that drive Virginia’s economy and beyond. By aligning its services with the needs of these sectors, the bank has become an indispensable partner to businesses of all sizes.

Key Industries Served

Small & Medium-Sized Enterprises (SMEs)

Atlantic Union Bank is a top lender to small businesses in Virginia, with over $1.2 billion in SBA loans originated since 2018. The bank offers tailored lines of credit, equipment financing, and working capital solutions designed for restaurants, retail shops, professional services firms, and tech startups. Its “Small Business Advantage” program provides free financial planning workshops and one-on-one consultations with certified business advisors.

Healthcare & Medical Services

With over 300 healthcare clients—including private practices, outpatient clinics, and senior care facilities—Atlantic Union Bank understands the unique cash flow cycles and regulatory requirements of the medical industry. The bank offers specialized medical receivables financing, EHR integration support, and HIPAA-compliant payment processing systems.

Real Estate & Commercial Development

As Richmond’s real estate market continues to expand, Atlantic Union Bank has become a leading provider of commercial real estate loans, construction financing, and property management banking services. The bank’s real estate team has financed landmark projects such as the redevelopment of Richmond’s Canal Walk and mixed-use developments in Henrico County.

Manufacturing & Industrial

From precision machining in Lynchburg to logistics hubs in Hampton Roads, Atlantic Union Bank supports manufacturers with inventory financing, supply chain solutions, and export trade services. The bank is a certified participant in the Export-Import Bank of the United States program, helping local manufacturers access international markets.

Agriculture & Agribusiness

Despite being an urban-centric bank, Atlantic Union Bank maintains a strong agricultural lending division, serving family farms, vineyards, and food processing companies across Virginia’s Piedmont and Tidewater regions. The bank offers seasonal operating loans, land acquisition financing, and USDA-backed programs.

Notable Achievements and Recognitions

• 2023 Top 100 Community Banks – Ranked by American Banker for outstanding customer satisfaction and community impact.
• 2022 SBA Lender of the Year – Virginia – Recognized for originating the highest number of SBA loans in the state.
• 2021 Best Workplace for Financial Services – Awarded by Great Place to Work® for employee engagement and retention.
• 2020 Financial Times Top 500 Banks in America – Recognized for consistent growth and digital innovation.
• 2019 Community Reinvestment Act (CRA) Outstanding Rating – Highest possible rating from federal regulators for community investment.
• 2024 Best Business Banking Provider – Richmond Metro – Awarded by Richmond BizSense for customer service excellence.

These accolades are not merely symbolic—they reflect the bank’s consistent performance in delivering value to customers, employees, and the communities it serves. Atlantic Union Bank reinvests a significant portion of its profits into local initiatives, including $15 million in grants to nonprofit organizations since 2020 and over 20,000 volunteer hours contributed by employees annually.

Global Service Access

While Atlantic Union Bank’s physical presence is confined to the United States, its service infrastructure extends globally through strategic partnerships, digital platforms, and international financial networks. This global reach ensures that even customers with international business operations or travel needs can rely on the bank for seamless financial management.

Through its partnership with SWIFT and global correspondent banking networks, Atlantic Union Bank facilitates international wire transfers to over 180 countries. Businesses exporting goods or managing offshore accounts can initiate payments directly through the bank’s online platform, with real-time tracking and compliance documentation provided automatically.

The bank also offers multi-currency accounts for commercial clients, allowing businesses to hold and transact in USD, EUR, GBP, CAD, and AUD without conversion fees on internal transfers. These accounts are ideal for import/export firms, digital nomads, and global contractors.

For travelers, Atlantic Union Bank’s debit and credit cards are accepted worldwide and feature zero foreign transaction fees—a rare benefit among regional banks. Customers can also request a virtual card for online purchases abroad, which enhances security and simplifies expense tracking.

Additionally, the bank’s 24/7 fraud monitoring system uses AI-driven algorithms to detect unusual international activity. If a transaction occurs in a country where the cardholder has never transacted, the system triggers an alert and may temporarily freeze the card until the customer confirms the transaction via the mobile app or phone.

Atlantic Union Bank also supports global payroll services for multinational employers with U.S.-based employees. Through its partnership with global payroll providers, the bank enables direct deposits to international bank accounts in over 40 countries, with currency conversion handled at competitive rates.

Customers with global needs are encouraged to contact the Global Business Services team at 1-800-531-8723, Option 4, to schedule a consultation with a dedicated international banker who can map out customized solutions for cross-border financial operations.

FAQs

What is the official customer service number for Atlantic Union Bank in Richmond?

The official toll-free customer service number for general retail banking inquiries is 1-800-531-8722. For commercial banking, use 1-800-531-8723. Both lines are available during extended business hours and are staffed by trained representatives.

Is Atlantic Union Bank a national bank?

No, Atlantic Union Bank is a regional bank headquartered in Richmond, Virginia. It operates branches across Virginia, Maryland, North Carolina, and Washington, D.C. While it is not a national bank like Chase or Bank of America, it offers services comparable to national institutions with a local, personalized touch.

Can I call Atlantic Union Bank from outside the U.S.?

Yes, you can call Atlantic Union Bank’s toll-free numbers from abroad using international calling services or VoIP platforms like Skype or WhatsApp. However, standard international calling rates may apply. For urgent matters, use the 24/7 fraud line at 1-800-531-8724.

How do I report fraud on my Atlantic Union Bank account?

Immediately call the 24/7 fraud reporting line at 1-800-531-8724. You can also freeze your card instantly through the mobile app or online banking portal. The bank will issue a replacement card and investigate the incident at no cost to you.

Does Atlantic Union Bank offer mobile banking?

Yes. The Atlantic Union Bank mobile app is available for iOS and Android devices. It includes features such as mobile check deposit, bill pay, account alerts, card controls, and live chat support.

What is the routing number for Atlantic Union Bank?

The ABA routing number for Atlantic Union Bank is 051402128. This number is used for direct deposits, wire transfers, and electronic payments. Always verify the routing number on your check or through online banking, as it may vary slightly for certain account types.

Can I open a business account without visiting a branch?

Yes. Atlantic Union Bank allows business owners to open commercial accounts online. You’ll need to provide business documentation, EIN, and owner identification. A representative will contact you to complete the process via secure video call or phone.

Does Atlantic Union Bank offer SBA loans?

Yes. Atlantic Union Bank is a top SBA lender in Virginia and offers 7(a), 504, and microloan programs for small businesses. Applications can be submitted online or through a local commercial banker.

How long does it take to get a response from customer service via email?

Email responses are typically provided within one to two business days. For urgent matters, always use the toll-free phone number or live chat for immediate assistance.

Is Atlantic Union Bank FDIC insured?

Yes. Atlantic Union Bank is a member of the Federal Deposit Insurance Corporation (FDIC). Deposits are insured up to $250,000 per depositor, per ownership category, in accordance with FDIC regulations.

Conclusion

Atlantic Union Bank in Richmond is far more than a traditional financial institution—it is a dynamic, community-oriented partner that bridges the gap between personalized service and modern banking innovation. Whether you’re a retail customer managing your household finances or a business owner scaling operations across state lines, the bank’s comprehensive suite of commercial and retail banking services, backed by responsive and knowledgeable customer support, ensures you’re never left navigating financial challenges alone.

The availability of dedicated toll-free numbers for every banking need—retail, commercial, fraud, loans, and international services—demonstrates Atlantic Union Bank’s commitment to accessibility and transparency. Its recognition as a top SBA lender, its leadership in community reinvestment, and its seamless global service integrations further cement its reputation as a trusted financial institution.

By combining the warmth of local banking with the efficiency of digital tools, Atlantic Union Bank has redefined what regional banking can achieve. Its customer support infrastructure is not an add-on—it’s a core pillar of its identity. Whether you’re calling from Richmond, managing a global supply chain from Virginia, or simply looking for a bank that treats you like a person and not a number, Atlantic Union Bank delivers on its promise: Local Expertise, National Reach, Unmatched Support.

For the most reliable and immediate assistance, always use the official toll-free numbers listed in this guide. Avoid third-party websites or unsolicited calls claiming to represent Atlantic Union Bank. When in doubt, visit www.atlanticunionbank.com or visit your nearest branch to verify contact details. Your financial security begins with knowing you’re speaking to the right people—and with Atlantic Union Bank, you always will be.